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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APSS' super plan

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, Australian Retirement Trust is proud to take care of over $200 billion in retirement savings for more than two million members.

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. 

Changes from 1 July 2022

The documents below contain a summary of significant event and material change notification.

Educational videos

We've developed some short videos to help you get the most from your super.
Do you want to find out more about Australian Retirement Trust and how you can make the most of your membership? Our monthly webcast has been specifically designed for new members, or those that may be comparing Australian Retirement Trust to their current super fund. Register here to attend our ‘Make the most of your super’ webcast.

In this webinar, we discuss the various ways you can look after your loved ones through super.

 

 

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.

Super Savings – Corporate Insurance guide [pdf, 641KB]
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, 232.1KB]

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, 409.9KB]
Use this form to make, change or cancel a binding death benefit nomination.
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. 

Super Savings – Corporate PDS [pdf, 4MB]
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, 641KB]
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, 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, 5.7MB]
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, 232.1KB]

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, 409.9KB]
Use this form to make, change or cancel a binding death benefit nomination.
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 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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