Welcome to Australian Retirement Trust

We're one of Australia's largest super funds and proud to take care of $300 billion in retirement savings for close to 2.4 million Australians.

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Super Savings for Ex-IAG & NRMA's super plan

Your employer has entrusted Australian Retirement Trust as the super fund for its employees for good reason.

Australian Retirement Trust is one of Australia’s largest super funds. Close to 2.4 million Australians trust us to take care of over $300 billion of their retirement savings.

We’re here to help you retire well with confidence, focused on strong long-term investment returns, lower fees and the information and access to advice you need to manage your super and retirement.

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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.

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Educational videos

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

55% of Australians aren't sure they'll have enough super by the time they retire.1

Join Australian Retirement Trust’s seminar to gain some useful insights into understanding how you are tracking.

This seminar will explore:
• How much super you might currently have versus how much super you should have at your age
• How much super you are on track to have at retirement versus how much you could have at retirement

1ART Financial Wellbeing Index 2024. Survey of 1,000 Australians, carried out by IPSOS on behalf of Australian Retirement Trust from September to November 2023.

 

 

This webinar discusses how Australian Retirement Trust invests your super, the performance of the investments and important considerations for you to make when investing.

 

 

If you’re interested in finding out about how to financially prepare should something unexpected happen to you, this webinar covers:

  • The benefits of insurance through super
  • Types of insurance cover available through super
  • How much insurance cover is necessary
  • The importance of nominating beneficiaries
  • Tax considerations for beneficiaries

 

 

The importance of Nominating a Beneficiary on your superannuation account.

 

 

Super Savings for Ex-IAG & NRMA

Information for former IAG and NRMA employees, spouse members, Family Law members, or employees who have an account in the fund but are no longer contributing.

The information and documents contained in this section 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.

 Important update
This important update applies to Super Savings – Corporate Product Disclosure Statements for Accumulation Account issued between 1 July 2024 and 31 October 2024
Super Savings Product Disclosure Statement for Accumulation Account for Ex-IAG & NRMA [pdf, 1.2MB]

A summary of the significant information you need about your Super Savings account, including standard insurance and fees.

Super Savings Insurance Guide for Ex-IAG & NRMA [pdf, 613.2KB]
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, 9.4MB]
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, 5.1MB]
Details of the investment option available to you, and information on determining your investment needs.
Target Market Determinations [pdf, 412.6KB]
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.
Change of insurance cover [pdf, 397.3KB]
Use this form to change your level of insurance within the standard cover OR to apply for additional insurance.
Transfer of insurance cover [pdf, 284.3KB]
Use this form to transfer your current insurance cover to Australian Retirement Trust.
Binding death benefit nomination [pdf, 313.2KB]
Use this form to make, change or cancel a binding death benefit nomination.
Insurance variation form [pdf, 211.5KB]
Use this form to reduce or cancel your insurance cover.
Consolidate your super form [pdf, 244.9KB]
Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 
Insurance Calculator [xlsx, 467.1KB]

Pension members

The information and documents contained on this site are unique to the Super Savings Ex-IAG & NRMA Superannuation Plan.

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

The documents here are provided for information purposes only.

The PDS and Guides are available at australianretirementtrust.com.au/pds
The forms are available at australianretirementtrust.com.au/forms

Deals and discounts on household brands

You can get thousands of exclusive deals and discounts with our member Rewards program. Save big on a wide range of household brands, like Coles, Woolworths, JB Hi-Fi and more.

Save now

Download the Australian Retirement Trust app

The Australian Retirement Trust app for members is packed with features to help you manage your super on the go.

Head to the App Store or Google Play to download the Australian Retirement Trust app.


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Manage your super online

We make keeping you connected to your super easy. Manage your account 24/7 through our secure Member Online portal. 

Click here to login

Click here to Register

#1 performing super growth option

We're focused on growing your super over the long term. Our High Growth option delivered 9.50% p.a. over the 10 years to 30 September 2024 and we’ve outperformed the industry median over 3, 5, 7, and 10 years.1

High Growth Option over 10 years to 30 September 2024. SuperRatings Fund Crediting Rate Survey – Growth (77-90) Category, 30 September 2024.1 Past performance is not a reliable indicator of future performance.

1. Source: SuperRatings Fund Crediting Rate Survey - SR50 Growth (77-90) Index and Growth (77-90) category, 30 September 2024. Returns are after investment fees and costs, transaction costs and investment taxes, but before administration fees. The High Growth option has identical investments to the High Growth Pool in the Lifecycle Investment Strategy. Individual returns may vary. Past performance is not a reliable indicator of future performance. The High Growth option commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper Growth option. To show the returns for the High Growth option, we have used returns for the Sunsuper option up to this date. 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 relevant product disclosure statements and TMDs before deciding.
Explore our investment options

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We know that super can sometimes seem complex and confusing.

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