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

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.

Learn more

Educational videos

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

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

 

 

This webinar discusses the potential benefits of adding more to super now, the different ways to do it, and the rules associated.

 

 

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 or Lifetime Pension members.

What to do if the links provided in the emails and Transfer Guides are not working for you.
Certain Windows 10 settings may prevent some of the links in the Australian Retirement Trust emails and Transfer Guides 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.

Super Savings – Corporate Product Disclosure Statement for Accumulation Account [pdf, 1.9MB]
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, 632.6KB]
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, 11.8MB]
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, 5MB]
Details of the investment option available to you, and information on determining your investor needs.
Cost of Product Factsheet [pdf, 613KB]
Important information about the annual fees and costs (“Cost of Product”) for each investment option available to you.
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.
Member application form [pdf, 1.9MB]

Use this form (at the back of the PDS) to apply for membership in NRMA Super.

NRMA Super - Transfer of insurance cover  [pdf, 280.5KB]
Use this form to transfer your current insurance cover to Australian Retirement Trust.
Change of insurance cover  [pdf, 416.3KB]
Use this form to change your level of insurance within the standard cover provided OR to apply for additional insurance.
Insurance variation form [pdf, 214.7KB]
Use this form to reduce or cancel your insurance cover.
Personal health summary [pdf, 353.1KB]
Use this form to increase your insurance cover if your cover has been restricted to the Automatic Acceptance Limit (AAL).
Binding death benefit nomination form [pdf, 313.2KB]
Use this form to make, change or cancel a binding death benefit nomination.
Consolidate your super form [pdf, 1.2MB]
Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 
Why join ART? [pdf, 1.3MB]
A quick look at the benefits of joining the NRMA Superannuation Plan with Australian Retirement Trust.
Plan Benefits Flyer [pdf, 1.8MB]
A detailed outline of the features and benefits of the NRMA Superannuation Plan with Australian Retirement Trust.
Membership application form [pdf, 1.9MB]

Use this form (at the back of the PDS) to set up your account in full, including opting-in to insurance cover early (if eligible). 

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.

Defined Benefit & Lifetime Pension 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. 

NRMA 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.

NRMA Defined Benefit - Handbook [pdf, 395.6KB]
This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
Super Savings Accumulation Guide [pdf, 11.8MB]
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, 5MB]
Details of the investment option available to you, and information on determining your investor needs.
Binding death benefit nomination form [pdf, 313.2KB]
Use this form to make, change or cancel a binding death benefit nomination.
Consolidate your super form [pdf, 1.2MB]
Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 

NRMA Superannuation Committee

Please join us in congratulating your new Representatives for the NRMA Superannuation Committee:

 

Employer Representatives

• Libby Rankin

• Bradley Mortimer

• Ainsley Lee

 

Member Representatives

• Les Lewis

• Wenxin Ning

• Amelia Greenan

#1 performing super growth option

We're focused on growing your super over the long term. Our High Growth option delivered 9.28% p.a. over the 10 years to 30 June 2024 and we’ve outperformed the industry median over 1, 3, 5, 7, and 10 years.1

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

1. Over the 10 years to 30 June 2024, our High Growth option for Accumulation accounts returned 9.28% p.a. Our returns are after Investment fees and costs, Transaction costs and where applicable, investment taxes, but before administration fees and costs. From 1 July 2024, for members under the age of 50, the Lifecycle Investment Strategy invests 100% in the High Growth Pool which has identical investments to the High Growth option. Actual returns will differ for individuals. Source: SuperRatings Fund Crediting Rate Survey - SR50 Growth (77-90) Index and Growth (77-90) category, 30 June 2024. The SR50 Growth (77-90) Index and Growth (77-90) category comprises selected investment options with a similar asset allocation to growth style assets between 77-90%. Past performance is not a reliable indicator of future performance. 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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