Main region

Defined benefit

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 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.

Significant notices and updates

Product update (Super Savings) for May 2024

We’ll be making changes to administration fees and investments from 1 July 2024. Please read this Product update for more details.

Guides

Defined Benefit Handbook

This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.

Super Savings – Corporate Insurance Guide

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

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

Details of the investment option available to you, and information on determining your investor needs.

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.

Significant notices and updates

Product update (Super Savings) for May 2024

We’ll be making changes to administration fees and investments from 1 July 2024. Please read this Product update for more details.

PDS

Super Savings – Corporate Product Disclosure Statement for Accumulation Account

This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.

Guides

Super Savings – Corporate Insurance Guide

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

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

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

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

Use this form to open a new Income account.

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.

Insurance Calculator

Insurance Calculator

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

Apply today

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

Other Important Information

Changes to ongoing fees and costs factsheet

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.

Significant notices and updates

Product update (Super Savings) for May 2024

We’ll be making changes to administration fees and investments from 1 July 2024. Please read this Product update for more details.

PDS and Guides

PDS and Guides

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

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Needing a form?

Do you have to take action on your account? Access your forms here and stay on top of the things you need to do for super and retirement.

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Acknowledgement of Country

We want to respectfully acknowledge the Traditional Owners and Custodians of these lands, seas, and waters throughout Australia. We pay our respects to Elders both past and present. We acknowledge the history, the resilience and the continual contributions of Aboriginal and Torres Strait Islander peoples of their Country.