Welcome to Australian Retirement Trust

We’re one of Australia’s largest super funds and proud to take care of over $200 billion in retirement savings for more than two million members.

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Update on the progress of your account setup

The limited-service period for the transition is now complete and balances are now visible in Member Online. In the coming week you will receive a communication from Australian Retirement Trust detailing your opening balance and welcome material. In early June your previous fund will send you an exit statement by post.

After phenomenal returns in the past couple of years, share markets have been down in recent months. This has affected nearly everyone’s super balances. Short-term falls in share prices are not something Australian Retirement Trust or any super fund can control nor is it anything to do with APSS’ merger with Australian Retirement Trust. There’s no reliable way of knowing when things will settle down, but every crisis, downturn, recession, correction comes to an end eventually. For more information, please visit our Market Watch page.

Thank you for your patience during this time.

Educational videos

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

Australian Retirement Trust has been chosen as the new superannuation provider for the Australia Post Super Scheme (APSS) which will go-live on 30th April 2022. 

Australian Retirement Trust have run a series of webinars to help you understand the various aspects of the transition. You will learn:

The key benefits of being a member of APSS within Australian Retirement Trust;
•  Key dates to be aware of and the important considerations and actions you may need to take;

•  For members with Additional Accumulation Accounts (previously known as Member Savings), how Australian Retirement Trust will invest your superannuation, its investment performance, and options available to tailor your investments.

•  Insurance benefits under the APSS within Australian Retirement Trust;

•  Further support and advice available to guide you through the transition process and beyond.
 

To ensure you receive the information most relevant to you, please watch the session/s that most apply to you.

Webinar for Defined Benefit members of APSS with an additional accumulation account (previously known as Member Savings)

These sessions apply to you if you’re currently a Defined Benefit member of APSS with an additional accumulation account, previously known as ‘Member Savings’ in the APSS.

  

 

Webinar for Defined Benefit members of APSS

These sessions apply to you if you’re currently a Defined Benefit member of APSS without an additional accumulation account, previously known as ‘Member Savings’ in the APSS

 

  

 

Webinar for APSS Pension members, including Transition to Retirement

These sessions apply to you if you currently have a Transition to retirement (TTR) or APSS Pension account in APSS.

  

  

 

Webinar for Rollover non-employee members of APSS

These sessions apply to you if you are:

 •  A former Australia Post, StarTrack or Decipha employee;

 •   An employee who has an account in APSS, but are no longer receiving defined benefits or contributing

 •  A spouse member of an employee or a Family Law member

  

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. 

Super Savings – Corporate PDS (Defined Benefit members) [pdf, 578.3KB]
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, 582.5KB]
This guide details the standard and additional insurance available in your plan and the fees and costs that apply to your account.
Authority to access information [pdf, 223.8KB]

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, 328.2KB]
Use this form to transfer your current insurance cover to Australian Retirement Trust.
Change of insurance cover form [pdf, 382.1KB]
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, 373.6KB]
Use this form to make, change or cancel a binding death benefit nomination.
Personal health summary [pdf, 52.3KB]
Use this form to increase your insurance cover if your cover has been restricted to the Automatic Acceptance Limit (AAL).
Insurance variation form [pdf, 253.1KB]
Use this form to reduce or cancel your existing insurance cover.
Income account request form [pdf, 371.3KB]
Use this form to open a new Income account.
Restart my income account [pdf, 237.5KB]
Use this form to close your existing Income account and open a new Income account with additional funds.

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. 

APSS Transfer Guide (SFT) - Rollover Employee Members [pdf, 384.5KB]
Transfer guide for Rollover employee (accumulation) members of APSS.
APSS Transfer Guide (SFT) - Pension Members [pdf, 384.7KB]
Transfer guide for Transition to Retirement (TTR) and Pension members of APSS.
FAQs factsheet - APSS [pdf, 205.6KB]
Super Savings – Corporate PDS [pdf, 4.2MB]
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, 582.5KB]
This guide details the standard and additional insurance available in your plan and the fees and costs that apply to your account.
Super Savings guide [pdf, 6.7MB]
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, 6.4MB]
Details of the investment option available to you, and information on determining your investor needs.
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, 223.8KB]

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, 349.7KB]
Use this form to transfer your current insurance cover to Australian Retirement Trust.
Change of insurance cover form [pdf, 386.3KB]
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, 373.6KB]
Use this form to make, change or cancel a binding death benefit nomination.
Personal health summary [pdf, 52.3KB]
Use this form to increase your insurance cover if your cover has been restricted to the Automatic Acceptance Limit (AAL).
Insurance variation form [pdf, 247.5KB]
Use this form to reduce or cancel your existing insurance cover.
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.

Key Facts Sheet [pdf, 233.8KB]

The Insurance in super factsheet summarises the key features about the insurance cover provided in your plan.

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 Transfer guides here are provided for information purposes only.

APSS Transfer Guide (SFT) - Rollover non-employee members [pdf, 387.6KB]
Transfer guide for the following members of APSS:
Former Australia Post, StarTrack or Decipha employees 
Employees who have an account in APSS, but are no longer receiving defined benefits or contributing 
Spouse and Family Law members 
APSS Transfer Guide (SFT) - Pension Members [pdf, 384.7KB]
Transfer guide for Transition to Retirement (TTR) and Pension members of APSS.
FAQs factsheet - APSS [pdf, 205.6KB]
The Super Savings and Pension PDS and Guides are available at australianretirementtrust.com.au/pds.

Make your dreams possible, tomorrow

Without the right super fund, your retirement dreams can often feel beyond your reach. At Australian Retirement Trust, we put your interests first today to help make your retirement dreams possible tomorrow.
It’s one of the many reasons why your employer has chosen us as their default super fund. It’s also why your employer’s super fund could be right for you.

• Members-first fund
• Flexible insurance cover
• Range of investment options
• Access to simple financial advice about your account
• Get discounts with Rewards
• 24/7 access to your account

 

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