Australian Retirement Trust Review
Australian Retirement Trust was formed in 2022 through the merger of Sunsuper and QSuper, and is now one of Australia’s largest super funds.
As of March 31st 2026 the combined fund has approximately 2.57 million members with over $357.6 billion in assets under management, making it one of Australia’s largest super funds.
Please Note: Any advice on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether this is right for you. See full disclaimer.
Australian Retirement Trust Performance
Australian Retirement Trust’s Growth, Balanced and Conservative investment options have all out performed the median option of the respective risk profiles over 1 year, 3 years and 5 years.
For an in depth analysis of performance see Australian Retirement Trust performance, for a comparison against AustralianSuper see Australian Retirement Trust vs AustralianSuper and for a comparison against all funds see compare super funds.
Select an investment option from the menu below to see performance Vs the relevant median.
Past performance is not a reliable indicator of future performance.
Fees
Fees for the Growth, Balanced and Conservative investment options all have fees above the median option for the respective risk profiles.
Select an investment option from the menu below to see flat fees, percentage based fees and total fees on a balance of $50,000.
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Balanced | 6.2% | 9.42% | 7.06% |
| Median | 7.7% | 9.6% | 6.5% |
| Australian Retirement Trust - Super Savings - Balanced VS Median | -1.5% | -0.18% | 0.56% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Balanced | 57.2 | 0.7% | $407.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25% | |
| 2 | International Shares | 26.75% | |
| 3 | Fixed Interest | 15.25% | |
| 4 | Alternative | 24% | |
| 5 | Property | 8% | |
| 6 | Cash | 1% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 1 | 7.49% | 9.7% | 5.97% |
| Median | 8.8% | 11.1% | 7.5% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 1 VS Median | -1.31% | -1.4% | -1.53% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 1 | 57.2 | 0.58% | $347.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 31.25% | |
| 2 | International Shares | 34% | |
| 3 | Fixed Interest | 1.75% | |
| 4 | Alternative | 24% | |
| 5 | Property | 8% | |
| 6 | Cash | 1% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Lifecycle Cash Pool | 3.96% | 4.13% | 3.23% |
| Median | - | - | - |
| Australian Retirement Trust - Super Savings - Lifecycle Cash Pool VS Median | 3.96% | 4.13% | 3.23% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Lifecycle Cash Pool | 57.2 | 0.23% | $172.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Cash | 100% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Conservative | 3.67% | 5.64% | 3.99% |
| Median | 4.8% | 6.1% | 4% |
| Australian Retirement Trust - Super Savings - Conservative VS Median | -1.13% | -0.46% | -0.01% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Conservative | 57.2 | 0.66% | $387.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 8.5% | |
| 2 | International Shares | 7.5% | |
| 3 | Fixed Interest | 46% | |
| 4 | Alternative | 22.5% | |
| 5 | Property | 7.5% | |
| 6 | Cash | 8% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Lifecycle Balanced Pool | 6.18% | 9.26% | 6.94% |
| Median | 7.7% | 9.6% | 6.5% |
| Australian Retirement Trust - Super Savings - Lifecycle Balanced Pool VS Median | -1.52% | -0.34% | 0.44% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Lifecycle Balanced Pool | 57.2 | 0.7% | $407.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25% | |
| 2 | International Shares | 26.75% | |
| 3 | Fixed Interest | 15.25% | |
| 4 | Alternative | 24% | |
| 5 | Property | 8% | |
| 6 | Cash | 1% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Socially Conscious Balanced | 7.18% | 9.52% | 6.57% |
| Median | 7.7% | 9.6% | 6.5% |
| Australian Retirement Trust - Super Savings - Socially Conscious Balanced VS Median | -0.52% | -0.08% | 0.07% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Socially Conscious Balanced | 57.2 | 0.8% | $457.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25% | |
| 2 | International Shares | 28% | |
| 3 | Fixed Interest | 17% | |
| 4 | Alternative | 14% | |
| 5 | Property | 14% | |
| 6 | Cash | 2% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 2 | 4.47% | 6.54% | 4.08% |
| Median | 6.4% | 7.9% | 5.3% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 2 VS Median | -1.93% | -1.36% | -1.22% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 2 | 57.2 | 0.42% | $267.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 17.25% | |
| 2 | International Shares | 18.75% | |
| 3 | Fixed Interest | 45.75% | |
| 4 | Alternative | 13.25% | |
| 5 | Property | 4.5% | |
| 6 | Cash | 0.5% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 2 | 5.27% | 7.42% | 4.19% |
| Median | 7.7% | 9.6% | 6.5% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 2 VS Median | -2.43% | -2.18% | -2.31% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 2 | 57.2 | 0.5% | $307.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 23.5% | |
| 2 | International Shares | 25.5% | |
| 3 | Fixed Interest | 26.5% | |
| 4 | Alternative | 17.75% | |
| 5 | Property | 6% | |
| 6 | Cash | 0.75% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 1 | 6.17% | 8.33% | 4.91% |
| Median | 7.7% | 9.6% | 6.5% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 1 VS Median | -1.53% | -1.27% | -1.59% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 1 | 57.2 | 0.52% | $317.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 26.5% | |
| 2 | International Shares | 29% | |
| 3 | Fixed Interest | 16.5% | |
| 4 | Alternative | 20.25% | |
| 5 | Property | 7% | |
| 6 | Cash | 0.75% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 2 | 5.73% | 7.93% | 4.26% |
| Median | 7.7% | 9.6% | 6.5% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 2 VS Median | -1.97% | -1.67% | -2.24% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 2 | 57.2 | 0.52% | $317.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 26.5% | |
| 2 | International Shares | 29% | |
| 3 | Fixed Interest | 16.5% | |
| 4 | Alternative | 20.25% | |
| 5 | Property | 7% | |
| 6 | Cash | 0.75% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 1 | 4.78% | 7.01% | 4.4% |
| Median | 6.4% | 7.9% | 5.3% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 1 VS Median | -1.62% | -0.89% | -0.9% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 1 | 57.2 | 0.44% | $277.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 18.75% | |
| 2 | International Shares | 20.25% | |
| 3 | Fixed Interest | 41.25% | |
| 4 | Alternative | 14.25% | |
| 5 | Property | 5% | |
| 6 | Cash | 0.5% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 3 | 4.39% | 6.63% | 3.49% |
| Median | 6.4% | 7.9% | 5.3% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 3 VS Median | -2.01% | -1.27% | -1.81% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 3 | 57.2 | 0.46% | $287.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 20.25% | |
| 2 | International Shares | 22% | |
| 3 | Fixed Interest | 36.25% | |
| 4 | Alternative | 15.75% | |
| 5 | Property | 5% | |
| 6 | Cash | 0.75% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Outlook | 7.4% | 9.65% | 5.89% |
| Median | 8.8% | 11.1% | 7.5% |
| Australian Retirement Trust - QSuper Lifetime - Lifetime Outlook VS Median | -1.4% | -1.45% | -1.61% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Lifetime - Lifetime Outlook | 57.2 | 0.58% | $347.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 31.25% | |
| 2 | International Shares | 34% | |
| 3 | Fixed Interest | 1.75% | |
| 4 | Alternative | 24% | |
| 5 | Property | 8% | |
| 6 | Cash | 1% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - High Growth | 7.32% | 10.59% | 8.29% |
| Median | 8.8% | 11.1% | 7.5% |
| Australian Retirement Trust - Super Savings - High Growth VS Median | -1.48% | -0.51% | 0.79% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - High Growth | 57.2 | 0.72% | $417.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 31.25% | |
| 2 | International Shares | 34% | |
| 3 | Fixed Interest | 1.75% | |
| 4 | Alternative | 24% | |
| 5 | Property | 8% | |
| 6 | Cash | 1% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Balanced | 6.2% | 9.42% | 7.06% |
| Median | 7.7% | 9.6% | 6.5% |
| Australian Retirement Trust - Super Savings - Balanced VS Median | -1.5% | -0.18% | 0.56% |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - Super Savings - Balanced | 57.2 | 0.7% | $407.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25% | |
| 2 | International Shares | 26.75% | |
| 3 | Fixed Interest | 15.25% | |
| 4 | Alternative | 24% | |
| 5 | Property | 8% | |
| 6 | Cash | 1% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Socially Conscious Balanced | 7.18% | - | - |
| Median | 7.7% | - | - |
| Australian Retirement Trust - QSuper Accum. - Socially Conscious Balanced VS Median | -0.52% | - | - |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Socially Conscious Balanced | 57.2 | 0.76% | $437.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25% | |
| 2 | International Shares | 28% | |
| 3 | Fixed Interest | 17% | |
| 4 | Alternative | 14% | |
| 5 | Property | 14% | |
| 6 | Cash | 2% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - High Growth | 7.32% | - | - |
| Median | 8.8% | - | - |
| Australian Retirement Trust - QSuper Accum. - High Growth VS Median | -1.48% | - | - |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - High Growth | 57.2 | 0.68% | $397.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 31.25% | |
| 2 | International Shares | 34% | |
| 3 | Fixed Interest | 1.75% | |
| 4 | Alternative | 24% | |
| 5 | Property | 8% | |
| 6 | Cash | 1% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - High Growth Index | 9.58% | - | - |
| Median | 8.8% | - | - |
| Australian Retirement Trust - QSuper Accum. - High Growth Index VS Median | 0.78% | - | - |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - High Growth Index | 57.2 | 0.21% | $162.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 38.75% | |
| 2 | International Shares | 51.25% | |
| 3 | Fixed Interest | 10% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Balanced | 6.2% | - | - |
| Median | 7.7% | - | - |
| Australian Retirement Trust - QSuper Accum. - Balanced VS Median | -1.5% | - | - |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Balanced | 57.2 | 0.66% | $387.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 25% | |
| 2 | International Shares | 26.75% | |
| 3 | Fixed Interest | 15.25% | |
| 4 | Alternative | 24% | |
| 5 | Property | 8% | |
| 6 | Cash | 1% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Conservative-Balanced | 5.02% | - | - |
| Median | 6.4% | - | - |
| Australian Retirement Trust - QSuper Accum. - Conservative-Balanced VS Median | -1.38% | - | - |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Conservative-Balanced | 57.2 | 0.64% | $377.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 17.25% | |
| 2 | International Shares | 18.25% | |
| 3 | Fixed Interest | 33.5% | |
| 4 | Alternative | 22.5% | |
| 5 | Property | 7.5% | |
| 6 | Cash | 1% |
Returns to August 31 2026
| Investment Option | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Conservative | 3.67% | - | - |
| Median | 4.8% | - | - |
| Australian Retirement Trust - QSuper Accum. - Conservative VS Median | -1.13% | - | - |
Fees
| Investment Option | Flat Fee | Percentage Based Fee | Fee Based on 50k |
|---|---|---|---|
| Australian Retirement Trust - QSuper Accum. - Conservative | 57.2 | 0.62% | $367.2 |
Asset Allocation
| Rank | Asset | % | |
|---|---|---|---|
| 1 | Australian Shares | 8.5% | |
| 2 | International Shares | 7.5% | |
| 3 | Fixed Interest | 46% | |
| 4 | Alternative | 22.5% | |
| 5 | Property | 7.5% | |
| 6 | Cash | 8% |
Insurance
Whilst most members are offered default Death and Total and permanent Disablement Cover, they can also apply for Income Protection Cover.
Additional cover is available with the following limits:
Death – No maximum
TPD – $3 million.
Income protection – up to 85% of your income with a maximum of $30,000 per month.
Insurance is provided by Australian Retirement Trust.
Insurance Rating
OmniLife
0
/100
Fund details
See the Australian Retirement Trust ABN and USI page for all the information required to contribute to this fund.
Read their PDS and TMD for further details.
FAQ's
Fees are mostly higher than the median of other options of the same risk category.
Based on this evidence, for existing members it may not have been a very good super fund. However, this doesn’t mean that it’s not currently a good super fund.
There are many factors which determine whether a super fund is good or bad and it can differ depending on personal requirements. It’s best to seek advice from a qualified adviser in order to work out which is the best super fund for you.
Yes, it is an APRA fund.
Although not designated by Industry Super Australia as an Industry super fund, it is a not for profit super fund.
Australian Retirement Trust Reviews
Australian Retirement Trust has received 2 out of 5 stars from 8 customer reviews on Australia’s best superannuation review site Review My Super.
See more Super Fund Reviews to compare ratings and reviews across funds.