Join Australian Retirement Trust in 5 mins

I want a fund that is committed to returning profits to members, not shareholders.

For more information about the benefits and risks of opening a Super Savings account, before deciding to acquire or hold the product, please read the Super Savings Product Disclosure Statement for Accumulation account.

By clicking 'Join Now', you confirm you have received, read and understood the Privacy Information Declaration and the Product Disclosure Statement for Accumulation account.

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About you

Please enter your "First name" and "Last name" as it appears on either your Drivers License, Medicare card or Australian Passport - no middle name.

What's your first and last name?

Title

GivenName

Last Name

We recognise that individuals may identify and be recognised within the community as a gender other than the sex they were assigned at birth. For the purpose of this application, sex refers to the way you're legally recognised at the time of completing the application.

What's your sex?

Checkboxes reload content Male Female

What is your date of birth?

Date

Month

Year

What is your address?

Street address/PO Box

Street address 2

Street address 3

Suburb/Town

State

Post code

About you

By selecting Next I agree to Privacy Information Declaration and understand Australian Retirement Trust may send me follow up emails.

Fill in your contact details

Personal email address

Confirm email address

Mobile or home number

Also providing a mobile number will ensure we can reach you if we need to

Mobile Number (Optional)

About you

If you don't provide your Tax File Number (TFN), you will pay more tax on contributions and any benefits paid, and you will not be able to make some types of contributions.

Don't worry if you can't find it now, you can always add it later.

What's your Tax File Number (TFN)?

TFN (Optional)

Providing your TFN

Find my other super

Do you have another super account you'd like to consider combining into your Australian Retirement Trust account? We can find it for you using your TFN.

By selecting Yes, find my other super, you consent to Australian Retirement Trust using the Australian Tax Office (ATO) SuperMatch service to use your TFN to search for other super you may have. This super may be with other super funds or held by the ATO.

If we find money with the ATO, you also consent to Australian Retirement Trust requesting the ATO transfer these amounts into your Australian Retirement Trust account where possible. If we find money with other super funds, you’ll have the choice of whether you transfer those amounts or not.

To help keep track of your super, you also consent to Australian Retirement Trust conducting an ongoing annual search on your behalf. If at any time you wish to revoke your consent, please contact Australian Retirement Trust on 13 11 84.

Checkboxes reload content Yes, find my other super
No, skip step for now

What's your Tax File Number (TFN)?

Tax File Number

Providing your TFN

Let’s take a moment to consider your investments

Most of our members have their super in our default investment option - The Lifecycle Investment Strategy. If you’d like more control over your investments, Australian Retirement Trust offers a wide range of investment options to suit your risk profile and retirement goals.

Lifecycle Investment Strategy

The Lifecycle Investment Strategy is designed for members who want to generate wealth over the long-term, and gradually transition to lower-risk investments as they approach age 65.

Checkboxes reload content Choose the lifecycle investment strategy
Choose a different investment option(s)

If you change your mind or circumstances, you can also change your investment strategy.

You can learn more about our investment options in the Super Savings Investment Guide. For information on our fees and other costs, read the Super Savings Accumulation Guide. It’s important to understand their impact on your investment.

Choose your investment option(s)

Select one of the diversified options below or choose from our full range of investment options.

Each of these options has an allocation to growth assets. These are assets that have the potential to deliver stronger medium - to long-term returns. The trade-off is that they carry a higher risk of short-term losses. Shares are an example of a growth asset.

High Growth

A diversified portfolio with around 85% growth assets, with less risk than investing only in shares.

Choose High Growth

Balanced

A diversified portfolio with around 70% growth assets.

Choose Balanced

Conservative–Balanced

A diversified portfolio with around 50% growth assets.

Conservative–Balanced

Conservative

A diversified portfolio with around 30% growth assets.

Choose Conservative

Balanced Risk-Adjusted

A diversified portfolio with over 60% growth assets where the risk is adjusted by holding fewer shares and more bonds.

Choose Balanced Risk-Adjusted

Socially Conscious Balanced

A diversified portfolio with around 70% growth assets, investing according to an extended set of environmental, social and governance (ESG) principles.

Choose Socially Conscious Balanced

High Growth Index

A diversified portfolio of listed assets with 90% growth assets. It invests in listed asset classes that follow market indices and so will generally have lower fees than some of the actively managed diversified options.

Choose High Growth Index

Balanced Index

A diversified portfolio of listed assets with 75% growth assets. It invests in listed asset classes that follow market indices and so will generally have lower fees than some of the actively managed diversified options.

Choose Balanced Index

Full range of options

You can also choose an investment strategy that suits your risk profile and retirement goals. Refer to the Super Savings Investment Guide for the details on each option.

Customise investment

How would you like to invest?

The investment choice you make for your super can make a big difference to how much money you have in retirement.

Mix and match

In addition to our default Lifecycle Investment Strategy, we offer diversified and asset class options. Some are actively managed by us and some follow the returns of a market index, which means they cost less.

Strategy options

Investment option	Allocation
Lifecycle Investment Strategy	Enter percentage

Diversified options

Investment option	Allocation
High Growth	Enter percentage
Balanced	Enter percentage
Conservative-Balanced	Enter percentage
Conservative	Enter percentage
Balanced Risk-Adjusted	Enter percentage
Socially Conscious Balanced	Enter percentage
High Growth Index	Enter percentage
Balanced Index	Enter percentage

Asset class options

Investment option	Allocation
Australian Shares Index	Enter percentage
International Shares Hedged Index	Enter percentage
International Shares Unhedged Index	Enter percentage
Listed Property Index	Enter percentage
Unlisted Assets	Enter percentage
Bonds Index	Enter percentage
Cash	Enter percentage

	Total Percentage %
	0%

Let’s set up your insurance

Insurance in Super Savings can help protect you and your family, in the event something were to happen to you. Premiums are deducted from your super account, so there’s no impact on your take-home pay.
Before making a choice about insurance , you should consider the impact these premiums will have on the money you have in retirement.

It is important that you are aware of your Duty to take reasonable care in relation to your insurance cover. Please ensure you read the full

Set up your insurance?

Yes, set up insurance No, I don't want insurance

Standard Death and Total & Permanent Disability cover

Standard cover will automatically start when you meet all of the eligibility criteria including (but not limited to) turning 25 and reaching an account balance of $6,000.

Start cover now

You can start your cover now. Your insurance will start when we receive an SG contribution from your employer.

Start cover now

Start when eligible

You can start your cover when you meet all of the eligibility requirements including when you turn 25 and your account balance reaches $6,000.

Start when eligible

What’s your employment status?

Checkboxes reload content Permanently employed ¹
Casually employed
Self employed ²
Not employed ³

¹Permanently employed includes contractors on employment contracts of 6 months or longer and self-employed persons receiving Superannuation Guarantee contributions.

²A person who operates a business or profession as a sole proprietor, partner in a partnership or independent contractor and reports income earned from self-employment.

³Contractors employed on a contract of less than 6 months are required to select "Not employed".

When did you start working for your current employer?

Don't worry if you don't know the date, you can always add it later.

Day

Month

Year

How many hours do you work each week?

Checkboxes reload content 15 hours or more
Less than 15 hours

What’s your occupation?

Start typing - select from options below

Sorry, we can’t find your occupation. Are you eligible for White Collar cover?

Based on your occupation, you may be eligible for White Collar cover. Please confirm your eligibility based on the criteria listed on this page.

Checkboxes reload content I'm eligible for White Collar cover
I'm not eligible for White Collar cover

Let’s set up your insurance

Thanks for that, you're almost there. Based on the information provided, below is an estimate of your Death and Total & Permanent Disability Assist cover amounts and premiums, which is based on your age and gender.

Standard cover
Death cover
Total & Permanent Disability Assist cover
Weekly premium

Protect your income

Opt-In Income Protection cover can provide you with a monthly income if you can't work due to sickness or injury. Premiums are based on your age, gender, occupation and amount of cover.

Do you want Income Protection cover?

Checkboxes reload content I want Income Protection
I do not want Income Protection

What is your annual income?

Your Income $

Important details about Income Protection cover

Would you like to nominate a beneficiary?

Your beneficiary is the person you wish to receive your super when you die. You can nominate one or more beneficiaries.

Checkboxes reload content I do not want to nominate a beneficiary
I'd like to nominate a beneficiary

Full name	Relationship	Portion of benefit %
	Relationship

Add another beneficiary

You can nominate up to eight preferred beneficiaries.

Do you want to make a binding nomination?

Your preferred beneficiary nomination

Full name	Relationship	Portion of benefit %

If you want to make these nominations binding, we'll provide the binding nomination form at the end of this application.

Checkboxes reload content No, thanks
Yes, I'd like to make a binding nomination

Review your details

Please check your details are correct before submitting your application. To save or print your application: press Ctrl + P (on PC) or ⌘ Command + P (on Mac). On mobile, you'll find the print option under your share options.

By selecting Join now I apply to become a member of Australian Retirement Trust and confirm I have read and accept the Important Information and Declaration.

Let's set-up your online access

With online access you can access your account and the Australian Retirement Trust mobile app.

Check your email.

We've sent a 6-digit verification code to your email:

Resend verification code

Your digital membership card

Your digital membership card contains your member number which you'll need for online access. It also has the information you'll need to stay with Australian Retirement Trust if you decide to change jobs.

Member Name

Membership Number

Fund Name: Australian Retirement Trust

ABN: 60 905 115 063

USI (replaces SPIN): 60 905 115 063 003

13 11 84

Here’s your welcome pack!

Download your membership receipt
Please save this receipt for your records.

Download the Binding death benefit nomination form
Use this form to make a binding death benefit nomination.

Download the Selecting Australian Retirement Trust form
Use this form to ask your employer to contribute to Australian Retirement Trust.

Download the Tailored insurance cover form
If you're not eligible for automatic insurance, or you need more than what's provided, you can apply for Tailored cover.

Manage your account online

Existing Australian Retirement Trust member

From the details you provided it seems that you already are an Australian Retirement Trust member. Perhaps you joined us in the past or recently changed jobs and your new employer already registered you.

You have a few options:

If you know your login details you can login to Member Online.

If you don't know your login details or have not registered for online access try Forgot login details.

Or to confirm your membership details and get online access contact us.

Checkboxes reload content

Why Australian Retirement Trust?

Why Australian Retirement Trust?

Please enter your "First name" and "Last name" as it appears on either your Drivers License, Medicare card or Australian Passport - no middle name.

What's your first and last name?

We recognise that individuals may identify and be recognised within the community as a gender other than the sex they were assigned at birth. For the purpose of this application, sex refers to the way you're legally recognised at the time of completing the application.

What's your sex?

What is your date of birth?

What is your address?

Fill in your contact details

What's your Tax File Number (TFN)?

What's your Tax File Number (TFN)?

Lifecycle Investment Strategy

High Growth

Balanced

Conservative–Balanced

Conservative

Balanced Risk-Adjusted

Socially Conscious Balanced

High Growth Index

Balanced Index

Full range of options

Strategy options

Diversified options

Asset class options

Set up your insurance?

Standard Death and Total & Permanent Disability cover

Start cover now

Start when eligible

What’s your employment status?

When did you start working for your current employer?

How many hours do you work each week?

What’s your occupation?

Sorry, we can’t find your occupation. Are you eligible for White Collar cover?

Based on your occupation, you may be eligible for White Collar cover. Please confirm your eligibility based on the criteria listed on this page.

Do you want Income Protection cover?

Your preferred beneficiary nomination

Your digital membership card

Membership Card

Here’s your welcome pack!

Warning! Your session is about to expire