So, you need to make a superannuation account. Don't worry, it takes less than 5 minutes, and you can do it all online.
There are just a few steps to apply for a Super Savings account with us. When we create your account, it's an Accumulation type of super product, which is where your super goes before you retire.
You've opened your account, and your welcome pack is now on its way to you.
When you're with one of Australia's largest super funds, you get all the benefits of a big fund, plus the caring heart that comes with being profit-for-members.
9.58% p.a.
Returns over 10 years1
Our High Growth option has returned 9.58% p.a. over the 10 years to 31 December 2024.1 We've outperformed the industry median for our High Growth option over 1, 3, 5, 7, and 10 years.1
Past performance is not a reliable indicator of future performance.
Looking for a fund others recommend? We're rated #1 for customer satisfaction according to Finder. And financial advisers voted us Best Super Fund at the 2024 SuperRatings Super Fund of the Year Awards.
There are 2 things you'll want to do after your super account is all set up:
You may have accounts with other super funds. Consider combining any previous super accounts into your new account.
Before you consolidate your super, please consider if the timing is right and if you will lose access to benefits such as insurance or pension options, or if there are tax implications.
Then sit back and relax, knowing you've done everything you need to, and your super's in good hands. Well done!
Here's some frequently asked questions about opening a super account.
The best super fund for you depends on what you need. The best-performing super funds will offer the performance, fees, investment options, insurance, and financial advice to help you make the most of your super.
Our 2.4 million members choose us to grow their super because they know we put them first in everything we offer.
The right super fund for you depends on what you need, but there are a few things you should look for in a super fund. It’s important to check:
Compare the benefits you can get with us.
You can definitely still open a super account after turning 65, and you can both add money to it yourself or have your employer pay super into it. The rules for what you can do with your super account change at different ages. At 75, you stop being able to add extra money to your super yourself.
You might want to get financial advice about what's right for you when opening a super account after 65. When you're a member with us, the cost of financial advice about your account is included with your membership.
All Australian workers can join a super fund and open an account if they're an employee of a company (including if they're self-employed). And most contractors and temporary residents on a work visa should also get super.
Most people open a super account when they begin work and their employer starts paying super for them. (Although if you're under 18, your employer only pays super if you're working more than 30 hours a week.)
Some super funds only let you open an account if you're working in a particular industry or for a certain employer. But we're not like that – anyone can join Australian Retirement Trust (previously Sunsuper).
There's more than 2.4 million people who are growing their super by joining our fund. And you can too! Take control of your future today.
1. Past performance is not a reliable indicator of future performance.
Source: SuperRatings Fund Crediting Rate Survey - SR50 - Growth (77-90) Index and Growth (77-90) category, 31 December 2024.
Returns are after investment fees and costs, transaction costs and investment taxes, but before administration fees.
The High Growth option has identical investments to the High Growth Pool in the Lifecycle Investment Strategy. Individual returns may vary.
The High Growth option commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper Growth option. To show the returns for the High Growth option, we have used returns for the Sunsuper option up to this date.
