Welcome to Australian Retirement Trust

We’re one of Australia’s largest super funds and proud to take care of more than $280 billion in retirement savings for over 2.3 million Australians.

Find out more

Investment option changes

We're launching a new investment option menu on 1 July 2024. Please visit the Info hub to learn how this affects Accumulation and Income accounts.

CBA Group 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, 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. 

Disclaimer

The superannuation plan for employees of the CBA Group in Australia.

The CBA Group Super Plan is part of the Australian Retirement Trust (ABN 60 905 115 063). Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, ASFL 228975) (Trustee) is the trustee of, and issuer of interests in, Australian Retirement Trust. The Trustee is not an authorised deposit-taking institution and is not part of the Commonwealth Bank of Australia (ABN 48 123 123 124, AFSL 234945) (CBA) group of companies (CBA Group). CBA and each other member of the CBA Group, including BWA Group Services Pty Ltd (ABN 88 111 209 440), do not guarantee, or stand behind the obligations or performance of, or the repayment of capital by, any of the Trustee, Australian Retirement Trust or the CBA Group Super Plan, or other products the Trustee or Australian Retirement Trust offers. Investments in the CBA Group Super Plan, Australian Retirement Trust or any other product offered by the Trustee or Australian Retirement Trust, do not represent deposits or other liabilities of CBA or any other member of the CBA Group. Investments in the CBA Group Super Plan or Australian Retirement Trust are subject to investment risk, including possible delays in repayment and loss of income and/or capital invested.

 
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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

Accumulation Members

The information and documents contained on this site are unique to your Australian Retirement Trust plan.

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 here do not apply to Defined Benefit, Pension, Retained or Spouse members.

 Product update (Super Savings) for March 2024  
Our new investment option menu coming 1 July 2024, will apply to you if you currently have either a Super Savings Accumulation account or a Super Savings Income account.
Super Savings – Corporate Product Disclosure Statement for Accumulation Account (CBA Group Super Plan) [pdf, 1.3MB]
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, 446.5KB]
This guide details the standard and additional insurance available in your plan and the fees and costs that apply to your account.
Super Savings Accumulation Guide [pdf, 5.9MB]
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, 2.2MB]
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.
Membership application form [pdf, 1.3MB]
Use this form (at the back of the PDS) to apply for membership to CBA Group Super Plan.
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, 329.7KB]
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, 219KB]
Use this form to reduce or cancel your existing insurance cover.
Life event insurance options form [pdf, 192.5KB]
Use this form to apply for additional Death and Total & Permanent Disability cover at certain Life Events.
Personal health summary [pdf, 311.2KB]
Use this form to increase your insurance cover if your cover has been restricted to the Automatic Acceptance Limit (AAL).
Restart insurance cover form [pdf, 153KB]
Transfer of insurance cover form [pdf, 264.2KB]
Use this form to transfer your current insurance cover to Australian Retirement Trust.
New starter flyer [pdf, 398.8KB]

Quick guide to review the benefits of joining the CBA Group Super Plan with Australian Retirement Trust.

Membership application form [pdf, 1.3MB]
Use this form (at the back of the PDS) to apply for membership and set up your account in full, including opting-in to insurance cover early (if eligible). 

Defined Benefit and Lifetime Pension members

The information and documents contained on this site are unique to your Australian Retirement Trust plan.

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 here do not apply to Accumulation, Pension, Retained or Spouse members.

 Product update (Super Savings) for March 2024  
Our new investment option menu coming 1 July 2024, will apply to you if you currently have either a Super Savings Accumulation account or a Super Savings Income account.
Super Savings – Corporate Product Disclosure Statement for Defined Benefit Account (Divisions B, CB, CC, CD, CE, CF, CN and CO) [pdf, 335.4KB]
A summary of the significant information you need about your Super Savings – Corporate account, including standard insurance and fees.
Super Savings – Corporate Product Disclosure Statement for Defined Benefit Account (Divisions C, D, E, CH and CK) [pdf, 1.5MB]
A summary of the significant information you need about your Super Savings – Corporate account, including standard insurance and fees.
Defined Benefit Handbook (Division B) [pdf, 448.9KB]
This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
Defined Benefit Handbook (Division CB, CC and CE) [pdf, 356.6KB]
This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
Defined Benefit Handbook (Division CD) [pdf, 288.9KB]
This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
Defined Benefit Handbook (Division CF) [pdf, 407.8KB]
This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
Defined Benefit Handbook (Division CN) [pdf, 288.3KB]
This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
Defined Benefit Handbook (Division CO) [pdf, 350.9KB]
This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
Super Savings Accumulation Guide (Defined Benefit members) [pdf, 5.9MB]
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 (Defined Benefit members) [pdf, 2.2MB]
Details of the investment option available to you, and information on determining your investor needs.

Pension Members

The information and documents contained on this site are unique to your Australian Retirement Trust plan.

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 here do not apply to Accumulation, Defined Benefit, Retained or Spouse members.

 Product update (Super Savings) for March 2024  
Our new investment option menu coming 1 July 2024, will apply to you if you currently have either a Super Savings Accumulation account or a Super Savings Income account.
Transfer guide (SFT) - Retirement Access Transition to Retirement Income Stream (TRIS) or an Account-Based Pension members of Group Super [pdf, 706.9KB]
Transfer guide for Retirement Access Transition to Retirement Income Stream (TRIS) or an Account-Based Pension account in Group Super.
The PDS and Guides are available at australianretirementtrust.com.au/pds
The forms are available at australianretirementtrust.com.au/forms

Retained or Spouse members

Information for Retained or Spouse members of Group Super.

The information and documents contained in this section are unique to the Former CBA Group Super Plan. 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.

 Product update (Super Savings) for March 2024  
Our new investment option menu coming 1 July 2024, will apply to you if you currently have either a Super Savings Accumulation account or a Super Savings Income account.
Super Savings – Corporate Product Disclosure Statement for Accumulation Account (Former CBA Group Super Plan - Retained and Spouse) [pdf, 1.1MB]
A summary of the significant information you need about your Super Savings – Corporate account, including standard insurance and fees.
Super Savings – Corporate Insurance Guide (Former CBA Group Super Plan - Retained and Spouse) [pdf, 421.7KB]
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, 5.9MB]
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, 2.2MB]
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.
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, 332.5KB]
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, 220.1KB]
Use this form to reduce or cancel your existing insurance cover.
Restart insurance cover form [pdf, 152.9KB]
Transfer of insurance cover form [pdf, 265.9KB]
Use this form to transfer your current insurance cover to Australian Retirement Trust.
Transfer of cover from CBA Employee Income Protection Policy (EIP) [pdf, 262.2KB]

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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