Got Questions?
We know that super can sometimes seem complex and confusing.
Read the latest edition of Australian Retirement Trust’s APSS Member News.
Welcome to Australian Retirement Trust
We’re one of Australia’s largest super funds and proud to take care of more than $260 billion in retirement savings for over 2.3 million Australians.
Find out moreWelcome to APSS
Your employer has entrusted Australian Retirement Trust as the super fund for its employees for good reason.
Australian Retirement Trust is the super fund formed through the merger of Sunsuper and QSuper. As one of Australia’s largest super funds, over 2.3 million Australians trust us to take care of more than $260 billion in their retirement savings.
As a fund that works for members, not shareholders, we work in members’ best interests and are committed to returning profits to them as lower fees and better services.
Educational videos
We've developed some short videos to help you get the most from your super.
APSS - Invest to grow your super
Knowing how your super’s invested can help you plan for your future, with confidence.
Hear from our Chief Economist – Investments, Brian Parker and APSS Education Manager, Rob Fernandez. Brian will talk about the current challenges and opportunities in the global economy, and how these could impact your super savings. We’ll help you better understand:
- How your money is invested
- Super Savings investment options and how they’ve performed long term and over the last 12 months
- Risk, timeframe and diversification, and how they could influence your investment strategy
Super and Estate Planning webcast
This webinar discusses the types of insurance cover that may be available through a super fund and the importance of choosing who’ll get your super and insurance benefits when you die. Tax implication of death benefits paid to beneficiaries is also considered along with information about wills and a power of attorney and why they can also be important when thinking about your super.
Living your best retirement
Retirement is an exciting time in our lives and, depending on where you are in your retirement journey, there are different things for you to consider.
Join our superannuation experts for this live and exclusive member webcast specifically tailored for APSS team members.
They'll help you take charge of your super and retirement planning by discussing:
• How much income you might need
• How much super you might need to retire
• What part age pension, your super and other income might play
• How you could grow your super to and through retirement
• Investment fundamentals and how we invest your super
• When and how you may be able to access your super, including whether a transition to retirement strategy could be right for you
• About the Super Savings Income account
• Accessing financial advice and preparing financially for retirement.
Join our superannuation experts for this live and exclusive member webcast specifically tailored for APSS team members.
They'll help you take charge of your super and retirement planning by discussing:
• How much income you might need
• How much super you might need to retire
• What part age pension, your super and other income might play
• How you could grow your super to and through retirement
• Investment fundamentals and how we invest your super
• When and how you may be able to access your super, including whether a transition to retirement strategy could be right for you
• About the Super Savings Income account
• Accessing financial advice and preparing financially for retirement.
Celebrating our first year together
View our webcast which looks back on our first year together.
We’ll guide you through your defined benefit and show you the importance of spending just a few minutes now to get on top of your super admin.
We’ll help you better understand your defined benefit:
• How your defined benefit is calculated
• What your ‘Final Average Salary’ and ‘Superannuation Salary’ are, and how they affect how much money you’ll end up with in retirement
• What other parts make up your defined benefit.
Set your super up for success
A little bit of super admin and planning now could make a big difference to your retirement lifestyle. At our webinar, we’ll share your progress at APSS in taking these four important member actions:
• Move your super admin online
• Choose who gets your super when you die
• Know where you’re headed in retirement
• Advice to help you feel on top of your future
This is the first APSS webcast of a three-part series this year. So keep an eye out for our August and November invites.
Cracking the Code - Equalising Super for Women
This panel discussion hosted by Ruth Weaver, Australian Retirement Trust Education Specialist explores the important role education, guidance and accessible financial advice awareness play in addressing the current superannuation gap.
Ruth is joined by Anne Fuchs, Head of Advice and Jess Rix, Head of Member Services.
Protect you and your loved ones
The importance of Nominating a Beneficiary on your superannuation account.
Defined Benefit members
The information and documents contained on this site are unique to APSS.
However some links may take you to the Australian Retirement Trust public site which contains general information that may be relevant to you but does not take into consideration your plan-specific arrangements.
The documents here are provided for information purposes only.
The APSS plan (Defined Benefit Members) is closed to new members. For copies of information previously provided to you (including copies of the PDS) please contact us on 13 11 84.
PDS and Guides
- Defined Benefit Handbook [pdf, 329.4KB]
- This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
- Super Savings Accumulation Guide [pdf, 7MB]
- Important information about how superannuation works (including Income accounts), and more details of the fees and costs that apply to your account.
- Super Savings Investment Guide [pdf, 2.3MB]
- Details of the investment option available to you, and information on determining your investor needs.
Forms
- Authority to access information [pdf, 224.9KB]
Use this form to give authority to another person or company to access information about your Australian Retirement Trust account.
- APSS - Transfer of insurance cover [pdf, 267.4KB]
- Use this form to transfer your current insurance cover to Australian Retirement Trust.
- Change of insurance cover form [pdf, 337.1KB]
- Use this form to change your level of insurance within the standard cover provided OR to apply for Additional insurance.
- Binding death benefit nomination form [pdf, 290.6KB]
- Use this form to make, change or cancel a binding death benefit nomination.
- Insurance variation form [pdf, 215.2KB]
- Use this form to reduce or cancel your existing insurance cover.
- Income account request form [pdf, 334.7KB]
- Use this form to open a new Income account.
- Restart my income account [pdf, 354.6KB]
- Use this form to close your existing Income account and open a new Income account with additional funds.
- Consolidate your super form [pdf, 210KB]
- Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account.
Factsheets & Reports
- What happens to super when you leave your employer? [pdf, 224.7KB]
- Leaving employment as a Defined Benefit member [pdf, 191.2KB]
- Reading your 2022 APSS Defined Benefit annual statement [pdf, 193.4KB]
- How does a Defined Benefit work? [pdf, 229KB]
- Using your APSS Defined Benefit to transition to retirement [pdf, 162.3KB]
- Your super salary in APSS [pdf, 134.2KB]
- Defined Benefit Actuarial Report [pdf, 913.8KB]
- Employer and Salary sacrifice contributions for DB members [pdf, 162.5KB]
Helpful Links
Employee Accumulation and Income account members
Accumulation members were known as Rollover members prior to the transition to Australian Retirement Trust.
Income account members were known as Pension members prior to the transition to Australian Retirement Trust.
The information and documents contained on this site are unique to APSS.
However some links may take you to the Australian Retirement Trust public site which contains general information that may be relevant to you but does not take into consideration your plan-specific arrangements.
The documents listed in this section do not cover Defined Benefit or Super Savings accounts.
PDS and Guides
- Super Savings – Corporate Product Disclosure Statement for Accumulation Account [pdf, 1.2MB]
- A summary of the significant information you need about your Super Savings – Corporate account, including standard insurance and fees.
- Super Savings – Corporate Insurance Guide [pdf, 371.9KB]
- This guide details the standard and additional insurance available in your plan and the fees and costs that apply to your account.
- Super Savings Accumulation Guide [pdf, 7MB]
- Important information about how superannuation works (including Income accounts), and more details of the fees and costs that apply to your account.
- Super Savings Investment Guide [pdf, 2.3MB]
- Details of the investment option available to you, and information on determining your investor needs.
- Super Savings Product Disclosure Statement for Income Account and Lifetime Pension [pdf, 4.7MB]
- Important information about Income accounts. Administration fees deducted from your Income account is credited back to your Accumulation account in APSS while you remain an employee of Australia Post or a participating employer in the Plan.
- Target Market Determinations [pdf, 25.1KB]
- Target Market Determinations
- This page provides information about Target Market Determinations. It describes the target markets for which Australian Retirement Trust products have been designed, taking into consideration their likely objectives, financial situation and needs.
Forms
- Authority to access information [pdf, 224.9KB]
Use this form to give authority to another person or company to access information about your Australian Retirement Trust account.
- Member application form [pdf, 101.9KB]
Use this form to apply for membership to APSS.
- APSS - Transfer of insurance cover [pdf, 260.6KB]
- Use this form to transfer your current insurance cover to Australian Retirement Trust.
- Change of insurance cover form [pdf, 337.1KB]
- Use this form to change your level of insurance within the standard cover provided OR to apply for Additional insurance.
- Binding death benefit nomination form [pdf, 290.6KB]
- Use this form to make, change or cancel a binding death benefit nomination.
- Insurance variation form [pdf, 200.6KB]
- Use this form to reduce or cancel your existing insurance cover.
- Consolidate your super form [pdf, 210KB]
- Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account.
Insurance Calculator
- Insurance Calculator [xlsx, 456.3KB]
This insurance calculator is for employee members who have an Accumulation account (formerly known as a Rollover Account) only. The premiums outlined in this calculator do not apply to insurance associated with a Defined Benefit account.
To use this calculator, click on the link above and once the file has opened, select ‘Enable editing’ from the yellow ribbon at the top.
Insurance - apply today
Assess your insurance needs and easily apply online for extra insurance today.
Other important information
- Changes to ongoing fees and costs factsheet [pdf, 1.5MB]
- The information in this factsheet relates to Changes to ongoing fees and costs that came into effect on 1 July 2022.
Non-employee Accumulation and Income account members
Accumulation members were known as Rollover (non-employee) members prior to the transition to Australian Retirement Trust.
Income account members were known as Pension (non-employee) members prior to the transition to Australian Retirement Trust.
The information and documents contained in the above sections are unique to employee members of APSS. Non-employee members are not eligible to be members of the APSS plan. The links below will take you to the Australian Retirement Trust public site, which contains general information that is relevant to you.
PDS and Guides
The Super Savings and Pension PDS and Guides are available at australianretirementtrust.com.au/pds.
Download the Australian Retirement Trust app
The Australian Retirement Trust app for members is packed with features to help you manage your super on the go.
Head to the App Store or Google Play to download the Australian Retirement Trust app.
Manage your super online
We make keeping you connected to your super easy. Manage your account 24/7 through our secure Member Online portal.
