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 Review

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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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

RankAsset%
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%

Performance data: Lonsec. Median benchmarks: Chant West. Data is updated monthly; the reporting period is shown in the tables. Investment options are compared with the Chant West median for their risk profile.

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

We use investment performance data supplied by Lonsec and median benchmarks supplied by Chant West, both updated monthly.

Each investment option is assigned to a Chant West risk profile based on its proportion of growth assets. We then compare its return with the median benchmark for that risk profile over the same reporting period.

The difference shown in the table is the investment option’s return minus the median return.

Grouping options by growth asset allocation helps make comparisons more accurate, although options within the same profile can still have different investments and risks. Past performance is not a reliable indicator of future performance.

Member ratings and investment returns measure different things.

Member ratings reflect the experiences and opinions of people who submit reviews. These may relate to customer service, fees, insurance, administration or their satisfaction with investment performance.

Our performance tables compare an investment option’s reported returns with the relevant  benchmark over specified periods. A fund can therefore deliver above median returns while receiving poor reviews for service or insurance or receive positive reviews despite below median returns.

Submitted reviews may not represent the experience of all members. Consider them alongside performance data, fees, insurance features and the fund’s official documents.

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.

2 10 Reviews
How would you rate
1.4 8 Reviews
Service
1.6 8 Reviews
Performance
1.4 8 Reviews
Fees
1.4 7 Reviews
Insurance
1.8 8 Reviews
Transparency
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13 Reviews
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Anonymous
Anonymous
3 years ago

This company is doing everything they can to dont pay me. BE AWARE

Anonymous
Anonymous
3 years ago
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Terrible customer service & obvious lack of staff training.

Tried to withdraw money out of super account due to extreme financial hardship 3th January 2023, claimed process would take 5 business days. 5 business days later I receive an email asking for certain proof of identity, to which I called them & asked exactly what they required. I sat there with a lady that approved my every step of taking screenshots of my Name & Bank details showing Name, Nickname, address & account details. Then I stated that if there were any issues to please call so we can resolve any issues as I was in desperate need of the money to avoid eviction from house. She replied that they would do so & the funds should be transferred within 5 business days. 7 business days later I called again to see what the delay was, was told that they don’t accept screenshots. Asked why they didn’t call as requested, they replied with “You were sent an E-mail”. Went through & sent what was required to which they said the funds will be transferred. I responded that the funds were desperately required as have now received an eviction notice & it’s been 2 weeks since starting the process. They responded with we will transfer the money within 24hours. 48 hours later & still no funds!!!! Each one of the staff I spoke to were hearing about my emergency withdrawal spoke like it’s the first time they heard of the case. Rotten service & will be using another fund.

Angelo Cardamone
Angelo Cardamone
3 years ago
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Stay away from this company, uses AIA as their insurance company. Will cause you more health issues than with your original claim. Had a TPD claim with 6 years of stress and harassment. Will do anything to close claim. Do not accept DR, Specialist,IME,surgeon and or work cover reports. Have a Lawyer deal with claims through this company, not worth the stress they put you through.

mjade
mjade
3 years ago
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Suffering severe financial hardship. Submitted a claim 2 months ago, and got an email 2 days ago saying declined as my bills were dated over 30 days old. They were only over 30 days old because the claim has been processing for the past 2 months. They try everything to not pay.

Anonymous
Anonymous
3 years ago
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Not trustworthy at all, they are difficult to communicate with, and making it impossible for me to claim my DASP, despite sendong them the documentation they requested again and again.

Dimitrios
Dimitrios
1 year ago
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I enrolled in a new auto-rebalancing feature for my superannuation balance and, initially, could not opt out without forced changes in my investment strategy so as to regain control of my portfolio.

To address this, I lodged a formal complaint with ART, seeking a resolution through their Internal Dispute Resolution process (IDR). Despite their initial promise to discuss the matter, they never contacted me, even after repeated attempts to follow up. Instead, the complaints manager simply issued a decision without ever speaking to me, a clear breach of standard industry practice.

Frustrated by this dismissive approach, I escalated the complaint to the Australian Financial Complaints Authority (AFCA). AFCA then requested that ART conduct an External Dispute Resolution Review (EDR) through their Trustee. However, the ART Trustee also failed to contact me for my perspective and simply upheld the original decision, demonstrating a concerning lack of due process.

Adding insult to injury, the Trustee’s final decision letter contained inaccurate and misleading information. This, coupled with the fact that ART’s CEO was subsequently made aware of the situation but failed to intervene, suggests a systemic failure within ART to address legitimate complaints.

Furthermore, I observed a potential conflict of interest between ART’s Trustee and its operational arm, raising serious doubts about the impartiality of their internal review process. Disturbingly, ART asserted that AFCA couldn’t rule against them because I hadn’t incurred a direct financial loss due to their error. This implies a belief that they are not accountable for systemic failures unless they directly impact a member’s finances.

I believe ART had a duty to self-report this auto-rebalancing issue to ASIC for investigation, especially given the potential impact on other members. Their failure to do so, coupled with their inadequate complaint handling, suggests a disregard for regulatory obligations and the best interests of their members.

ART’s conduct throughout this ordeal appears to violate the principles of RG271, the Dispute Resolution framework, which emphasizes fairness and transparency. Their actions raise serious questions about the integrity of their internal dispute resolution process and their commitment to acting in the best interests of their members.

Therefore, I urge ASIC to conduct a thorough inquiry into ART’s handling of the auto-rebalancing implementation and their complaint resolution procedures. This inquiry is crucial to protect the rights of Australian Retirement Trust members and ensure the integrity of the superannuation industry.

Anonymous
Anonymous
2 years ago
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ALWAYS HAVING TECH DIFFICULTIES

Anoymous
Anoymous
2 years ago
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Their fees are high and communication are poor. Not to mention has a technical difficulty.

Anonymous
Anonymous
3 years ago
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Insurance fees a fee high but fund has given me good growth

Anonymous
Anonymous
2 years ago
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Good

Steve
Steve
2 years ago
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Refuse to speak with me unrecorded over the phone. Can’t access any information on my policy. They suggest I visit the branch in Brisbane if I didnt like it. Im Sydney based

pete heatherwick
pete heatherwick
1 year ago
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Prefered Sunsuper now merged with Q Super

John cuplujet
John cuplujet
1 year ago
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Engaged in fraud & MDC.

Australian Retirement Trust
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