Australian Retirement Trust was a big winner in the 2026 Finder Awards.
Full list of 2026 super winners
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 information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.
*Past performance data and fee data is for the period ending September 2026
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There are 3 ways to invest depending on how hands-on you want to be with your super. These options are detailed below:
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 High Growth 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 options | Risk | Asset allocation |
|---|---|---|
| High Growth Pool Members will be invested in the High Growth option until they're 50, which aims for high growth over the medium to long term. It invets almost entirely in growth assets, with only a very small exposure to cash. | Medium to high |
|
| Balanced Pool From age 50 to 60 your investments are gradually transitioned from the High Growth Pool to the Balanced Pool and Cash Pool on a monthly basis. | Medium |
|
| Cash Pool When you're aged 65 and over you'll be invested 80% in the Balanced Pool and 20% in the Cash option. The Cash option itself is a 100% defensive portfolio with no exposure to growth assets. | Very low |
|
If you'd prefer a bit more choice with your super, you can choose from one of these diversified 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.
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 (standard cover):
| Your age | Death cover | TPD Assist cover | Cost per week – Male | Cost per week – Female |
|---|---|---|---|---|
| 15 -21 | $62,500 | $125,000 | $4.12 | $2.40 |
| 22-29 | $125,000 | $175,000 | $7.32 | $4.60 |
| 30-33 | $250,000 | $250,000 | $13.40 | $8.39 |
| 35 | $240,000 | $240,000 | $13.40 | $8.39 |
| 45 | $132,000 | $132,000 | $15.84 | $11.32 |
| 55 | $42,000 | $42,000 | $15.84 | $11.32 |
| 65-66 | $16,000 | $16,000 | $15.84 | $11.32 |
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.
You can join this fund by completing the online application form.
Make sure you have:
The average super balance is $154,350. Compare your super balance against the average balance for your age group to see if yours is on track.
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If I have say $2000000 in the Australian Shares Fund, what are your annual fees?
Hi Sam,
We’re a review and comparison site, so we aren’t able to provide this information. Your best bet is to contact ART directly to discuss the options and potential fee discounts they’re willing to offer you.
cheers,
Sarah
I would like to change from my current fund to your Super Fund ?? I have been retired for some years now and I’m not satisfied with my current fund as I’m sick and tired of loosing money !! A reply at your earliest convenience would be appreciated !!
Hi Robert,
We’re a review site and not affiliated with ART. To contact them about transferring to their fund, you can click on the green “go to site” button in the table, or call 13 11 84.
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?
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