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Australian Retirement Trust | Performance, features and fees

QSuper and Sunsuper have merged to create Australian Retirement Trust. It offers a large range of different investment options, including an ethical option and a MySuper product.

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Sunsuper and QSuper merged on 28 February 2022 to create Australian Retirement Trust. Existing members of Sunsuper will remain part of Australian Retirement Trust, and the superannuation investment products will remain the same.

Australian Retirement Trust (formerly Sunsuper) performance and fees

When joining this fund you'll automatically be invested in the Lifecycle option which invests your super according to your age. After joining you can switch your investment option at any time. The investment options offered are the same as those previously offered by Sunsuper.

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Name Product Last 1 year performance (p.a.) Last 3 year performance (p.a.) Last 5 year performance (p.a.) Last 10 year performance (p.a.) Fees on $50k balance (p.a.)

Australian Retirement Trust (formerly Sunsuper for Life) - Lifecycle Balanced Pool

Finder Award
Australian Retirement Trust (formerly Sunsuper for Life) -  Lifecycle Balanced Pool
+16.31%
+11.45%
+9.58%
+10.14%
$628
Sunsuper and QSuper have merged to create Australian Retirement Trust, one of Australia's largest super funds with more than 2 million members. Its Lifecycle Balanced product invests your super in a mix of growth assets, and reduces your risk when you're near retirement.
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The information in the table is based on data provided by Chant West Pty Ltd (AFSL 255320) which is itself supplied by third parties. While such information is believed to be accurate, Chant West does not accept responsibility for any inaccuracy in such information. Chant West’s Financial Services Guide is available at https://www.chantwest.com.au/financial-services-guide . Finder offers no guarantees or warranties about the data and we recommend that users make their own enquiries before relying on this information. Performance, fees and insurance data is based on each fund's default MySuper product. Where the performance, fees and insurance data for the MySuper fund vary according to the member's age, results for individuals between 40-49 years of age have been shown. Past performance is not a reliable indicator of future performance.

What are the key features of Australian Retirement Trust?

  • Merger between Sunsuper and QSuper. Sunsuper and QSuper merged on 28 February 2022 to create Australian Retirement Trust. anyone can join Australian Retirement Trust, however there are some eligibility criteria in order to join QSuper (which is part if Australian Retirement Trust).
  • Lifecycle investment strategy. This strategy is an ideal set-and-forget investment option as it adjusts in line with your age throughout your working life.
  • MySuper authorised. The Lifecycle investment option is the authorised MySuper investment option; a low-fee, no-frills default option.
  • Flexible insurance cover. Access to death and total and permanent disability assist cover, with the option to increase or decrease your cover and add income protection insurance.
  • 20 different investment options. You can choose from a Lifecycle investment option, between a number of pre-mixed diversified options or create a build-your-own option.
  • Manage your super online or via a mobile app. Enjoy easy access to your super online or when you're out and about via the mobile app.
  • Socially responsible investing. A pre-mixed, balanced socially responsible investment option is available.
  • Earn a Retirement Bonus. When you're ready to retire and switch over to a Income account, a retirement bonus of up to $4,800 may be paid on funds moved into your new account.

What investment options does Australian Retirement Trust (formerly Sunsuper) offer?

The Super Savings product (previously Sunsuper for Life) offers 3 ways to invest depending on how hands-on you want to be with your super. These options are detailed below:

Option 1: Lifecycle investment strategy

When you apply to become a member the fund will automatically place you in its Lifecycle investment strategy (MySuper) option. Your super will be managed for you, and will be invested in a Balanced fund for the majority of your working life. It'll then gradually reduce your exposure to growth assets as you get closer to retirement.

Lifestage optionsRiskAsset allocation
Balanced Pool

Members will be invested in the Balanced option until they're 55, which aims for medium to long-term growth with a mix of growth and defensive assets.

Medium to high
  • Growth: 70%
  • Defensive: 30%
Retirement Pool

Once you turn 55, you'll be invested in the Retirement option instead of the Balanced option. The retirement option has a much lower allocation to growth assets, but still aims to achieve some growth over the short to medium term.

Medium
  • Growth: 50%
  • Defensive: 50%
Cash Pool

When you're aged 65 and over you'll be invested in the Cash option, which is 100% defensive with no exposure to growth assets.

Very low
  • Defensive: 100%

Option 2 Pre-mixed investment options

If you'd prefer a bit more choice with your super, you can choose from one of these diversified options.

Pre-mixed investment options RiskAsset allocation
Growth

This is the highest-growth option, with more than 80% asset allocation to growth investments including shares.

High
  • Growth: 86%
  • Defensive: 14%
Balanced

This is the default investment for all members under 55, unless you choose otherwise.

Medium to High
  • Growth: 70%
  • Defensive: 30%
Balanced – Index

This option has the same level of asset allocation to growth investments as the Balanced option, but it invests in indices and ETFs.

High
  • Growth: 70%
  • Defensive: 30%
Socially Conscious Balanced

This option avoids investment in companies that generate more than 5% of revenue from alcohol, tobacco, gambling, pornography, coal or nuclear power manufacturing.

Medium to High
  • Growth: 70%
  • Defensive: 30%
Diversified Alternatives

This option provides greater exposure to unlisted investments and trading strategies.

Medium
  • Growth: 52%
  • Defensive: 48%
Retirement

This option is designed for members who are close to, or have reached retirement and has less exposure to growth assets, meaning less short-term volatility.

Medium
  • Growth: 50%
  • Defensive: 50%
Conservative

This option is designed for members who seek less volatile returns for their super while maintaining some growth exposure.

Low to Medium
  • Growth: 30%
  • Defensive: 70%

Option 3: Single asset class options

This is for members who want to be hands-on with their super. You can choose to invest your balance in just one single asset option, or a mix of up to 10.

  • Shares
  • Australian Shares
  • Australian Shares - Index
  • International Shares - Index (hedged)
  • International Shares - Index (unhedged)
  • Emerging Market Shares
  • Property
  • Australian Property - Index
  • Diversified Bonds
  • Diversified Bonds - Index
  • Cash
  • Capital Guaranteed
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What insurance options does Australian Retirement Trust offer?

Members will automatically receive access to death and total and permanent disability assist cover, and have the option to increase cover and add income protection insurance, provided you meet some basic criteria.

The amount of death and TPD assist cover you will receive with your account will depend on your age and the type of cover. You also have the option to increase your level of cover, should you wish to do so.

The cost of your cover will depend on your age and gender and the cost will change with your age over time. Premiums are calculated weekly and are deducted from your account each month. Once you are retired, you can continue your insurance cover as long as you continue to hold a Super-savings account (with a minimum account balance of $1,500).

Example Death and TPD Assist cover levels and cost (new member options):

Your ageDeath coverTPD Assist coverCost per week – MaleCost per week – Female
15$62,500$125,000$2.28$1.36
25$125,000$175,000$3.92$2.68
35$240,000$240,000$7.08$4.84
45$132,000$132,000$8.44$6.76
55$42,000$42,000$8.44$6.76
65$16,000$16,000$8.44$6.76

Insurance offered is provided by AIA Australia Limited.

Note: there may be exclusions and/or restrictions which apply to your insurance cover. Check the "Insurance Guide" available via the Australian Retirement Trust website.

How do I join Australian Retirement Trust?

You can join this fund by completing the online application form.

Make sure you have:

  • A spare 10 minutes
  • Your personal details, including your name, address, date of birth and contact information
  • Your tax file number (it's not compulsory to give a super fund your TFN, but without it your fund won't be able to accept certain types of contributions from you and your benefit payments may be taxed at a higher rate than would otherwise apply)
  • Your employer's details
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DISCLAIMER: This article may contain general advice. You should consider your own personal circumstances before deciding if a superannuation product is right for you. Superannuation is a long term investment and past performance is not indicative of future performance.

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2 Responses

  1. Default Gravatar
    JerryAugust 27, 2018

    How long will takes for a payment to be made since l have made my application for my payments 5 months ago and nothing happen?

    • Avatarfinder Customer Care
      JoshuaAugust 28, 2018Staff

      Hi Jerry,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      If you are referring to your Sunsuper payment, it would be a good idea to ask the company directly. You need to make a follow up as your request might have been overlooked. Checking the status of your request would help you better know what happened to the payment.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

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