Product Disclosure Statements (PDS) and Guides
The following documents may need to be read in conjunction with each other.
Super Savings PDS and guides
Note that our insurance offering changes from time to time. Different features, benefits and terms may apply to members who joined before the guide's issue date. Contact us for a copy of the Insurance guide that applied when you became a member, and any notifications of insurance changes that we have previously sent you.
Please note
View recent important updates to be read in conjunction with the PDS.
We also provide a summary of significant event and material change notifications issued to members for the past two years.
Other PDS, guides and information
QSuper PDS and guides
QSuper PDS and guides
If you're a QSuper account holder, download the QSuper PDS and guides, updates, and other important information that applies to you.
Super Savings – Business PDS and guides
Visit Super Savings – Business for the Super Savings Business PDS, guides and other information about Super Savings – Business. For more information on your business plan please visit your employer’s Australian Retirement Trust microsite or contact us.
Super Savings – Corporate PDS and guides
For Super Savings – Corporate PDS, guides, updates and other information visit your employer's Super Savings – Corporate microsite or contact us. This includes Super Savings Ex-IAG & NRMA plans.
Target Market Determinations (TMDs)
Australian Retirement Trust is required to provide Target Market Determinations (TMDs) under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019. This Act ensures our approach to the design and distribution of our financial products keeps member objectives, individual financial situations and needs in focus.
