🤝 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 Options
Ethical Options
Est. Annual Fee
$432 on $50k
Australian Retirement Trust's default Lifecycle Investment Strategy automatically adjusts its asset allocation based on a member's age. Members under 50 are invested in the High Growth Pool, which targets around 85% growth assets and 15% defensive assets across Australian and international shares, unlisted assets such as infrastructure and private equity, fixed income, and cash. From age 50 onwards, the strategy gradually shifts into the Balanced and Cash pools to reduce risk as retirement approaches.
At an estimated $432 per year on a $50,000 balance, Australian Retirement Trust sits below the industry median of $467. The fund's significant scale — with $330 billion under management — allows it to negotiate lower investment management costs and spread administration expenses across a very large membership base, contributing to competitive pricing for members.
Australian Retirement Trust suits a broad range of Australians seeking a large-scale, profit-for-member fund with competitive fees and strong long-term returns. It is particularly well-suited for members who prefer a hands-off approach through the age-based Lifecycle default option, as well as those who value the breadth of investment choices including a dedicated Socially Conscious Balanced option.
Default Option as at 30 June 2025
| Option Name ↑ | 1 Year ↕️ | 3 Year ↕️ | 5 Year ↕️ | 10 Year ↕️ |
|---|---|---|---|---|
| Australian Shares Index | +11.07% | +9.51% | +8.88% | +9.63% |
| Balanced | +7.90% | +8.57% | +7.71% | +8.45% |
| Balanced Index | +9.34% | +9.74% | +6.88% | +7.70% |
| Balanced Risk-Adjusted | +6.47% | +5.88% | +4.85% | +6.09% |
| Bonds Index | +1.88% | +2.13% | -0.11% | +1.32% |
| Cash | +3.81% | +4.07% | +2.90% | +2.27% |
| Conservative | +4.60% | +5.15% | +4.38% | +4.89% |
| Conservative-Balanced | +6.21% | +6.76% | +6.05% | +6.60% |
| High Growth | +8.65% | +9.66% | +9.02% | +9.77% |
| High Growth Index | +10.59% | N/A | N/A | N/A |
| International Shares Hedged Index | +17.32% | +14.80% | +9.04% | +10.66% |
| International Shares Unhedged Index | +8.62% | +14.39% | +11.24% | +11.98% |
| Lifecycle - Balanced Pool | +7.57% | +8.40% | +7.58% | +8.37% |
| Lifecycle - Cash Pool | +3.81% | +4.07% | +2.89% | +2.10% |
| Lifecycle - High Growth Pool | +8.64% | +9.58% | +8.97% | +9.74% |
| Listed Property Index | +5.66% | +11.50% | +7.17% | +6.37% |
| Socially Conscious Balanced | +8.53% | +8.50% | +7.07% | +7.55% |
| Unlisted Assets | +5.82% | +6.53% | +8.18% | N/A |
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