Australian Retirement Trust review
Merger of Sunsuper and QSuper — second-largest fund in Australia.
Who it's best for
Members who want a single default that handles the 'shift to safer assets near retirement' automatically.
The good
- Lifecycle default automatically de-risks as you approach retirement
- Merger scale has driven fees down
- Strong retirement-phase product suite
The less-good
- Lifecycle de-risking starts in your 50s — may be too conservative for some
- Less flexibility than funds with more Choice options
The numbers in detail
| MySuper product | Lifecycle |
|---|---|
| Asset mix | Lifecycle — de-risks with age |
| Fixed admin fee | $60/yr |
| % fee (investment + indirect) | 0.70% |
| Insurance default | Default death, TPD, income protection (opt-out) |
| Choice options available | 14 |
| APRA performance assessment | Performing |
How Australian Retirement Trust compares
Run Australian Retirement Trust through our fund comparison tool alongside AustralianSuper, Hostplus, and UniSuper at your actual balance — the dollar fees at $50k can look very different at $250k or $15k, and the ranking sometimes flips. You can also project your own retirement outcome with its fee and return using the retirement projection calculator.
Switching to (or from) Australian Retirement Trust
Switching supers involves four steps that matter: check the insurance you'd lose when closing, update your employer's Standard Choice form so SG flows to the right place, consolidate via myGov, and confirm the rollover lands. Our consolidation guide has the full walkthrough.
The official source
Always verify current fees, insurance terms and investment options on the fund's own PDS before making a decision. australianretirementtrust.com.au has the latest. The figures on this page are indicative and updated periodically from the APRA heatmap and the fund's PDS.
General information only — not financial advice. Super decisions are long-term; verify with a licensed adviser. Figures on this page are indicative — verify on the fund's PDS.