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Australian Retirement Trust superannuation fund logo - Australian super fund provider

Australian Retirement Trust Review: Fees, Performance & Key Features

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The Australian Retirement Trust Story

  • 🤝 A Landmark Merger Australian Retirement Trust was formed in 2022 through the merger of two of Australia's respected super funds, Sunsuper and QSuper. This union was established with the goal of combining the strengths and heritage of both funds to benefit a wider membership.

  • 📈 Strength in Numbers As one of Australia’s largest superannuation funds, Australian Retirement Trust manages the retirement savings for more than two million members. The fund operates on a profit-for-member basis, meaning its focus is on delivering strong long-term returns and value for its members.

  • 🎯 Retirement with Confidence From its headquarters in Brisbane, Australian Retirement Trust leverages its significant scale and global investment capability. The fund's core purpose is to help its members across the country retire well with confidence and dignity.

💰

Assets Under Management

$330 Billion

👥

Total Members

2,400,000 Members

🌱

ESG Rating

Ethical Options

💸

Est. Annual Fee

$432 on $50k

Performance Chart

Default Option as at 30 June 2025

1 Year+10.82%
3 Year+10.14%
5 Year+9.81%
10 Year+8.11%

Fees Breakdown

  • Admin Fee: 0.1% + $62 per year
  • Investment Fee: 0.64%

Fee Calculator

$
Est. Total Annual Fee: $432

Option Performance - Returns as at 31 January 2026

Option Name ↑1 Year ↕️3 Year ↕️5 Year ↕️10 Year ↕️
Australian Shares Index+7.85%+9.90%+10.38%+10.28%
Balanced+7.48%+9.59%+8.87%+8.80%
Balanced Index+8.36%+10.96%+8.04%+8.12%
Balanced Pool+7.07%+9.41%+8.74%+8.71%
Balanced Risk-Adjusted+6.53%+6.70%+5.58%+6.46%
Bonds Index+3.10%+2.57%-0.46%+1.53%
Cash+3.84%+4.04%+2.78%+2.24%
Cash Pool+3.84%+4.04%+2.76%+2.06%
Conservative+4.95%+5.76%+4.75%+5.07%
Conservative-Balanced+6.28%+7.62%+6.83%+6.87%
High Growth+7.86%+10.77%+10.49%+10.15%
High Growth Index+9.24%N/AN/AN/A
High Growth Pool+7.75%+10.68%+10.44%+10.13%
International Shares Hedged Index+16.94%+16.81%+11.49%+11.58%
International Shares Unhedged Index+8.11%+17.73%+13.48%+12.17%
Listed Property Index+6.45%+9.50%+8.13%+6.98%
Socially Conscious Balanced+8.49%+9.49%+8.35%+7.87%
Unlisted Assets+6.31%+6.68%+8.69%N/A

Want to see how Australian Retirement Trust stacks up against others?

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Best High Growth Funds

In-depth analysis of Australia's top high growth super fund options.

Default Insurance Available:Yes
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All performance and fee data shown is based on the fund's MySuper default option, unless stated otherwise. Data may be incorrect - please refer to the fund directly to ensure accuracy.