Main region

Last week we experienced intermittent technology outages that affected some of our members. We sincerely apologise for the inconvenience and have worked around the clock, prioritising our members.

Learn more
Advice for every stage of life

We can help you choose the type of advice you need. Or explore at your own pace with our calculators and tools.

Get the retirement you want

It's never too early or too late to plan your retirement. We're here to help you every step of the way.

Our 2.4 million members
(and their super monsters) come first


Awaken your super with an award-winning fund

Canstar's given us 5 stars for outstanding value retirement products. And we’re rated #1 for customer satisfaction according to Finder.1

Our awards

bar graph with upward trend icon

9.28% p.a. returns over 10 years

to 30 June 2024

Is your super working hard enough? We've outperformed the industry median over 1, 3, 5, 7, and 10 years.2

Our performance
percentage symbol within pie graph icon

Focused on lower fees

Our admin fee is $1.20 per week + 0.10% p.a. and 0.07% p.a. from general reserves (not your account).

Our fees
Become a member today

With over a century of experience,3 why not join a super fund that works for you, not shareholders.

Join us today

Support when it matters most

Awaken your superannuation, with the right tools and advice for you.

Payment iconPayment icon
Deals and discounts

Start saving money now with our Member Rewards on brands across Australia.

Claim your rewards
Payment iconPayment icon
Mobile app

Life’s easier with the Australian Retirement Trust app. Check your balance, switch investments, and more.

Download the app
Payment iconPayment icon
Financial advice

Making a plan with professional help now can make a big difference to your financial future.

Get advice
Payment icon Payment icon
Manage your super

Log in to your account to check your transactions and make extra contributions.

Add to your super
Payment iconPayment icon
Plan a better future

Plan, manage and grow your super balance with the help of our tools and calculators. They're easy to use.

Use our calculators
Payment icon Payment icon
Need more help

Live chat with us online. Available 7:00am–7:30pm AEST Monday to Friday.

Call or live chat

Latest superannuation news

5 simple retirement financial planning tips

Preparing for retirement might seem hard, but it doesn’t have to be. Use our 5 key retirement financial planning tips to help you.

Learn more

Understanding what you can claim when you work from home

If you work from home, you may be able to claim a tax deduction for some things. Check the 2 different ways to work out what you’re entitled to claim this year.

Learn more

New podcast episodes

Your guide to superannuation, retirement planning, and investing, from those in the know.

Listen to our podcasts
Emily on top of the ART monster

Join a super fund you can trust

Awaken your super today. You'll be joining over 2.4 million members (and their monsters) who trust us to manage their super savings.

Join ART

1. Finder Super Funds Satisfaction Awards 2023. Read the Finder awards methodology to learn more. Ratings and awards are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance.

2. Over the 10 years to 30 June 2024, our High Growth option returned 9.28% p.a. Our returns are after Investment fees and costs, Transaction costs and where applicable, investment taxes, but before administration fees and costs. From 1 July 2024 the Lifecycle Investment Strategy pools changed, with members under age 50 invested 100% in the High Growth Pool. Members over age 50 transition into a mix of High Growth, Balanced and Cash pools over time. Refer to the Investment Guide for more information about the Lifecycle Investment Strategy. From 1 July 2024, for members under the age of 50, the Lifecycle Investment Strategy invests 100% in the High Growth Pool. The High Growth Pool commenced on 1 July 2024 and has identical investments to the High Growth option. To show the returns for the High Growth Pool up to 30 June 2024, we have used the returns of the Growth option (which commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper Growth option) for periods prior to 28 February 2022. Actual returns will differ for individuals. Source: SuperRatings Fund Crediting Rate Survey - SR50 Growth (77-90) Index and Growth (77-90) category, 30 June 2024. The SR50 Growth (77-90) Index and Growth (77-90) category comprise selected investment options with a similar asset allocation to growth style assets between 77-90%. Past performance is not a reliable indicator of future performance. Ratings and awards are only one factor to be taken into account when deciding to invest. Investment returns are net of investment fees and costs, transaction costs, and investment taxes (where applicable). Products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding.

3. QSuper was founded in 1913 before merging with Sunsuper on 28 February 2022 to form Australian Retirement Trust.