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.

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Welcome 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. 

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NEW Micro-learning modules

Our new library of quick videos to help manage your super is now available. The more you know, the more you can take charge of your financial future.

Learn more

Educational videos

We've developed some short videos to help you get the most from 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

 

 

 

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.

 

 

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.
 

 

 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. 

 

 

 

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.

 

 

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.

Defined Benefit Handbook [pdf, 329.4KB]
This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
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, 5.8MB]
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.
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.
Consolidate your super form [pdf, 210KB]
Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 

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. 

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, 5.8MB]
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, 4.8MB]
Important information about Income accounts.

While you remain an employee of Australia Post or a participating employer in APSS, the administration fee that applies to your Income account is 0.05% p.a. capped for the first $800,000 of your account balance. This administration fee is deducted from your Income account and credited back to your APSS Accumulation account.

If you cease employment with Australia Post or a participating employer in APSS, this arrangement will be discontinued. The fees and costs for Income accounts outlined in the Super Savings Product Disclosure Statement for Income Account and Lifetime Pension will apply and no rebate will be applicable.

As an APSS employee you must complete the Income Account Request form linked below to be eligible for this rebate.  Please do not apply online or use the form at the back of the Super Savings Product Disclosure Statement for Income Account and Lifetime Pension.

Income account request form [pdf, 237.4KB]
Use this form to open a new Income account.
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.
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, 260.6KB]
Use this form to transfer your current insurance cover to Australian Retirement Trust.
Member application form [pdf, 101.9KB]

Use this form to apply for membership to APSS.

Binding death benefit nomination form [pdf, 290.6KB]
Use this form to make, change or cancel a binding death benefit nomination.
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.
Consolidate your super form [pdf, 210KB]
Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 
Insurance variation form [pdf, 200.6KB]
Use this form to reduce or cancel your existing insurance cover.
Restart my income account [pdf, 269KB]
Use this form to close your existing Income account and open a new Income account with additional funds.
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.

Apply today

Assess your insurance needs and easily apply online for extra insurance today.

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.

The Super Savings and Pension PDS and Guides are available at australianretirementtrust.com.au/pds.

Focused on strong long-term returns

Our Super Savings Accumulation account - Balanced option delivered 10% in 2022-23, and 8.4% p.a. over the 10 years to 30 June 2023. We outperformed the industry median over 1, 3, 5, 7, 10, 15 and even 20 years.1

1. In 2022-23, our Super Savings Balanced option returned 10% for Accumulation accounts, 9.9% for the Lifecycle option's Balanced Pool, and 11.1% for Income accounts. Over 10 years, it returned 8.4% p.a. (Accumulation) and 9.3% (Income). The Australian Retirement Trust Super Savings Balanced option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. The industry median return for the SR50 Balanced (60-76) Index comprises the 50 largest investment options with a similar asset allocation to growth style assets between 60-76%. Source: SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60-76) Index, 30 June 2023. The Super Savings Balanced option has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Members invested in the Lifecycle Investment Strategy are invested 100% in the Balanced Pool until age 55. Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees and costs and taxes (where applicable). Super Savings products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding.
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