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.

DXC Technology's 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. 

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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.

Women often face unique challenges when it comes to growing their superannuation savings. This may result in less financial independence during retirement. This webinar discusses:

  • The challenges women face when it comes to growing their super
  • Understanding the role super plays in your retirement and how much is really enough?
  • How you can engage with and maximise your super
  • Simple tips and case studies to get your super on the right track
 

 

As a Category B1 member of DXC Technology Defined Benefit Plan, you are invited to attend a session with Australian Retirement Trust to help you to better understand your options and the unique considerations you need to make in relation to your retirement. Find out:

  • When you can access your super.
  • How payroll deductions contribute to your fund.
  • How your defined benefit is calculated when you resign or retire.
  • What other benefits you and your loved ones could be entitled to.
  • How the Lifetime Pension option in retirement works.
  • How Account-based Pensions work.
  • How to take the next step in financially preparing for your retirement.
 

 

As a member of DXC Defined Benefit plan, you are invited to attend a session with Australian Retirement Trust to help you to better understand your options and the unique considerations you need to make in relation to your retirement. Find out:

  • When you can access your super.
  • How payroll deductions contribute to your fund.
  • How your defined benefit is calculated when you resign or retire.
  • What other benefits you and your loved ones could be entitled to.
  • How the Lifetime Pension option in retirement works.
  • How Account-based Pensions work.
  • How to take the next step in financially preparing for your retirement.
 

 

Get to know the benefits of membership with Australian Retirement Trust and how our super works. 

Key learning outcomes include:
• The benefits of being a member with your corporate plan
• How superannuation savings are invested (default investment option)
• The cost of membership with your corporate plan
• Types of insurance cover available through your corporate plan
• The importance of nominating beneficiaries
• Tools to help you get on top of super

 

 

 

In this video our National Education Manager, Joshua van Gestel and our Head of Investment Strategy, Andrew Fisher discuss: 

  • How Australian Retirement Trust invests your super;
  • How the Super Savings investment options have performed over the long term and over the last 12 months;
  • Important considerations for the next 12 months; and
  • Considerations for making investment choices with your super.
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    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.

     

     

    The importance of Nominating a Beneficiary on your superannuation account.

     

     

    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, Lifetime Pension or Spouse members.

    What to do if the links provided in the emails are not working for you.

    Certain Windows 10 settings may prevent some of the links in the Australian Retirement Trust emails from working. If this is an issue that is affecting you, please try the following which should correct the problem:

    • Go to the Start Menu, Select ‘Apps and Features’, then ‘Default Apps’.
    • Select ‘Choose default apps by protocol’ (bottom of page).
    • Scroll down to ‘MAILTO’ (left hand column on the page, half way down), for its corresponding program, select ‘Outlook’ (this is typically set to Chrome or another browser).
    • Close the Settings page.
     Product update (Super Savings) for March 2024  
    Our new investment option menu coming 1st 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 [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, 686.2KB]
    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, 305.3KB]
    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.
    Member application form [pdf, 1.3MB]

    Use this form (at the back of the PDS) to apply for membership in the DXC Technology Superannuation plan.

    Transfer of insurance cover  [pdf, 261.3KB]
    Use this form to transfer your current insurance cover to Australian Retirement Trust.
    Change of insurance cover  [pdf, 401.7KB]
    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.
    Personal health summary [pdf, 362.7KB]
    Use this form to increase your insurance cover if your cover has been restricted to the Automatic Acceptance Limit (AAL).
    Insurance variation form [pdf, 209.9KB]
    Use this form to reduce or cancel your insurance cover.
    Life Event Insurance options form [pdf, 172.6KB]

    Use this form to apply for additional Death and Total & Permanent Disability cover at certain Life Events.

    Consolidate your super form [pdf, 210KB]
    Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 
    New Starter flyer [pdf, 433.7KB]
    Quick guide to review the benefits of joining the DXC Technology Superannuation Plan with Australian Retirement Trust.
    Member 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). 

    DXC Technology - Selecting Australian Retirement Trust [pdf, 190.2KB]

    Provide this form to your employer to choose the DXC Technology Superannuation plan for your superannuation contributions

    ATO Superannuation Standard Choice form [pdf, 429.7KB]

    The ATO’s standard choice form. Provide to your employer when electing or changing your choice of fund.

    Changes to ongoing fees and costs factsheet [pdf, 1.3MB]
    The information in this factsheet relates to Changes to ongoing fees and costs that came into effect on 1 July 2022.
    What happens to my super when I leave DXC Technology? [pdf, 224.6KB]

    This factsheet outlines what will happen to your superannuation with Australian Retirement Trust when you cease employment with DXC Technology.

    Defined Benefit members

    On 28 February 2022, Sunsuper and QSuper merged to form Australian Retirement Trust. 

    Each Sunsuper member was issued with a product(s) in Australian Retirement Trust which had the same benefits and features as the Sunsuper product(s) they held at the merger date. 

    DXC Technology Superannuation Plan (Defined Benefit Members) is closed to new members. As a result a new Product Disclosure Statement (PDS) was not prepared. 

    For copies of information previously provided to you in relation to the former Sunsuper Product (including copies of past PDSs and material change notifications) please contact us on 13 11 84.

     
     Product update (Super Savings) for March 2024  
    Our new investment option menu coming 1st 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 Insurance Guide [pdf, 686.2KB]
    This guide details the standard and additional insurance available in your plan and the fees and costs that apply to your account.
    DXC Technology Defined Benefit Information Handbook Cat A3 & B1 [pdf, 423.8KB]
    This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
    DXC Technology Defined Benefit Information Handbook Cat EDS [pdf, 400.8KB]
    This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
    Binding death benefit nomination form [pdf, 290.6KB]

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

    Consolidate your super form [pdf, 210KB]
    Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 

    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.

    This category is closed to new members. The documents here are provided for information purposes only.

    DXC Technology Lifetime Pension Information Handbook Cat A3 & B1 [pdf, 627.8KB]
    This handbook provides information to help you understand your DXC Technology Lifetime Pension.

    Spouse members

    The information and documents contained on this site are unique to the DXC Technology Superannuation Plan and do not apply to you, other than the information directly below.

    The links below will take you to the Australian Retirement Trust public site, which contains general information that is relevant to you.

    The documents here are provided for information purposes only.

     Product update (Super Savings) for March 2024  
    Our new investment option menu coming 1st July 2024, will apply to you if you currently have either a Super Savings Accumulation account or a Super Savings Income account.
    The PDS and Guides for Spouse members 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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