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Sunsuper Review

Founded in 1987, Sunsuper merged with QSuper in 2022 forming Australian Retirement Trust.
As of September 30 2023 the combined entity had had approximately 2.41 million members and $257.28 billion in assets under management across their super and pension products.

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.

Past performance is not a reliable indicator of future performance.

Sunsuper Review
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Sunsuper Performance

Sunsuper’s (now Australian Retirement Trust) 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 and for a comparison against AustralianSuper see Australian Retirement Trust vs AustralianSuper
Select an investment option from the menu below to see performance Vs the relevant median.

Sunsuper Super Fees

Fees for Sunsuper’s (now Australian Retirement Trust) main investment options are above the median of other options of the same risk category on Review My Super.
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 March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - Super Savings - Balanced 7.9% 8.57% 7.71%
Median 7.8% 8.2% 6.6%
Australian Retirement Trust - Super Savings - Balanced VS Median 0.1% 0.37% 1.11%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - Super Savings - Balanced 62.4 0.8% $462.4

Asset Allocation

RankAsset%
1 Australian Shares 25.5%
2 International Shares 27.25%
3 Fixed Interest 15.25%
4 Alternative 22%
5 Property 8%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 1 8.9% 7.6% 6.02%
Median 8.8% 9.4% 7.6%
Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 1 VS Median 0.1% -1.8% -1.58%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 1 62.4 0.6% $362.4

Asset Allocation

RankAsset%
1 Australian Shares 32.25%
2 International Shares 33.25%
3 Fixed Interest 1%
4 Alternative 23.5%
5 Property 8%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - Super Savings - Lifecycle Cash Pool 3.81% 4.07% 2.89%
Median - - -
Australian Retirement Trust - Super Savings - Lifecycle Cash Pool VS Median 3.81% 4.07% 2.89%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - Super Savings - Lifecycle Cash Pool 62.4 0.22% $172.4

Asset Allocation

RankAsset%
1 Cash 100%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - Super Savings - Conservative 4.6% 5.15% 4.38%
Median 5% 5.3% 4%
Australian Retirement Trust - Super Savings - Conservative VS Median -0.4% -0.15% 0.38%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - Super Savings - Conservative 62.4 0.75% $437.4

Asset Allocation

RankAsset%
1 Australian Shares 8.5%
2 International Shares 9%
3 Fixed Interest 44.25%
4 Alternative 18%
5 Property 7.5%
6 Cash 12.75%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - Super Savings - Lifecycle Balanced Pool 7.57% 8.4% 7.58%
Median 7.8% 8.2% 6.6%
Australian Retirement Trust - Super Savings - Lifecycle Balanced Pool VS Median -0.23% 0.2% 0.98%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - Super Savings - Lifecycle Balanced Pool 62.4 0.8% $462.4

Asset Allocation

RankAsset%
1 Australian Shares 25.5%
2 International Shares 27.25%
3 Fixed Interest 15.25%
4 Alternative 22%
5 Property 8%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - Super Savings - Socially Conscious Balanced 8.53% 8.5% 7.07%
Median 7.8% 8.2% 6.6%
Australian Retirement Trust - Super Savings - Socially Conscious Balanced VS Median 0.73% 0.3% 0.47%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - Super Savings - Socially Conscious Balanced 62.4 0.81% $467.4

Asset Allocation

RankAsset%
1 Australian Shares 25.5%
2 International Shares 27.5%
3 Fixed Interest 17%
4 Alternative 14%
5 Property 14%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 2 5.9% 5.34% 3.7%
Median 6.6% 6.8% 5.4%
Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 2 VS Median -0.7% -1.46% -1.7%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 2 62.4 0.43% $277.4

Asset Allocation

RankAsset%
1 Australian Shares 17.75%
2 International Shares 18.25%
3 Fixed Interest 45.5%
4 Alternative 13%
5 Property 4.5%
6 Cash 1%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 2 6.88% 5.67% 4.48%
Median 7.8% 8.2% 6.6%
Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 2 VS Median -0.92% -2.53% -2.12%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 2 62.4 0.51% $317.4

Asset Allocation

RankAsset%
1 Australian Shares 24.25%
2 International Shares 25%
3 Fixed Interest 25.75%
4 Alternative 17.5%
5 Property 6%
6 Cash 1.5%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 1 7.71% 6.43% 5.1%
Median 7.8% 8.2% 6.6%
Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 1 VS Median -0.09% -1.77% -1.5%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 1 62.4 0.54% $332.4

Asset Allocation

RankAsset%
1 Australian Shares 27.5%
2 International Shares 28.25%
3 Fixed Interest 15.75%
4 Alternative 19.75%
5 Property 7%
6 Cash 1.75%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 2 7.38% 6% 4.66%
Median 7.8% 8.2% 6.6%
Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 2 VS Median -0.42% -2.2% -1.94%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Lifetime - Lifetime Aspire 2 62.4 0.55% $337.4

Asset Allocation

RankAsset%
1 Australian Shares 27.5%
2 International Shares 28.25%
3 Fixed Interest 15.75%
4 Alternative 19.75%
5 Property 7%
6 Cash 1.75%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 1 6.27% 5.7% 4.26%
Median 6.6% 6.8% 5.4%
Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 1 VS Median -0.33% -1.1% -1.14%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Lifetime - Lifetime Sustain 1 62.4 0.44% $282.4

Asset Allocation

RankAsset%
1 Australian Shares 19.5%
2 International Shares 19.75%
3 Fixed Interest 40.5%
4 Alternative 14%
5 Property 5%
6 Cash 1.25%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 3 6.16% 5% 3.86%
Median 6.6% 6.8% 5.4%
Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 3 VS Median -0.44% -1.8% -1.54%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Lifetime - Lifetime Focus 3 62.4 0.48% $302.4

Asset Allocation

RankAsset%
1 Australian Shares 21%
2 International Shares 21.5%
3 Fixed Interest 35.75%
4 Alternative 15.5%
5 Property 5%
6 Cash 1.25%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Lifetime - Lifetime Outlook 8.87% 7.55% 5.91%
Median 8.8% 9.4% 7.6%
Australian Retirement Trust - QSuper Lifetime - Lifetime Outlook VS Median 0.07% -1.85% -1.69%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Lifetime - Lifetime Outlook 62.4 0.61% $367.4

Asset Allocation

RankAsset%
1 Australian Shares 32.25%
2 International Shares 33.25%
3 Fixed Interest 1%
4 Alternative 23.5%
5 Property 8%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - Super Savings - High Growth 8.65% 9.66% 9.02%
Median 8.8% 9.4% 7.6%
Australian Retirement Trust - Super Savings - High Growth VS Median -0.15% 0.26% 1.42%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - Super Savings - High Growth 62.4 0.85% $487.4

Asset Allocation

RankAsset%
1 Australian Shares 32.25%
2 International Shares 33.25%
3 Fixed Interest 1%
4 Alternative 23.5%
5 Property 8%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - Super Savings - Balanced 7.9% 8.57% 7.71%
Median 7.8% 8.2% 6.6%
Australian Retirement Trust - Super Savings - Balanced VS Median 0.1% 0.37% 1.11%

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - Super Savings - Balanced 62.4 0.8% $462.4

Asset Allocation

RankAsset%
1 Australian Shares 25.5%
2 International Shares 27.25%
3 Fixed Interest 15.25%
4 Alternative 22%
5 Property 8%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Accum. - Socially Conscious Balanced 8.53% - -
Median 7.8% - -
Australian Retirement Trust - QSuper Accum. - Socially Conscious Balanced VS Median 0.73% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Accum. - Socially Conscious Balanced 62.4 0.77% $447.4

Asset Allocation

RankAsset%
1 Australian Shares 25.5%
2 International Shares 27.5%
3 Fixed Interest 17%
4 Alternative 14%
5 Property 14%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Accum. - High Growth 8.65% - -
Median 8.8% - -
Australian Retirement Trust - QSuper Accum. - High Growth VS Median -0.15% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Accum. - High Growth 62.4 0.81% $467.4

Asset Allocation

RankAsset%
1 Australian Shares 32.25%
2 International Shares 33.25%
3 Fixed Interest 1%
4 Alternative 23.5%
5 Property 8%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Accum. - High Growth Index 10.59% - -
Median 8.8% - -
Australian Retirement Trust - QSuper Accum. - High Growth Index VS Median 1.79% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Accum. - High Growth Index 62.4 0.19% $157.4

Asset Allocation

RankAsset%
1 Australian Shares 39.75%
2 International Shares 50.25%
3 Fixed Interest 10%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Accum. - Balanced 7.9% - -
Median 7.8% - -
Australian Retirement Trust - QSuper Accum. - Balanced VS Median 0.1% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Accum. - Balanced 62.4 0.76% $442.4

Asset Allocation

RankAsset%
1 Australian Shares 25.5%
2 International Shares 27.25%
3 Fixed Interest 15.25%
4 Alternative 22%
5 Property 8%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Accum. - Conservative-Balanced 6.21% - -
Median 6.6% - -
Australian Retirement Trust - QSuper Accum. - Conservative-Balanced VS Median -0.39% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Accum. - Conservative-Balanced 62.4 0.74% $432.4

Asset Allocation

RankAsset%
1 Australian Shares 17.25%
2 International Shares 19.25%
3 Fixed Interest 35.5%
4 Alternative 18.5%
5 Property 7.5%
6 Cash 2%

Returns to March 31 2026

Investment Option 1 Year 3 Year 5 Year
Australian Retirement Trust - QSuper Accum. - Conservative 4.6% - -
Median 5% - -
Australian Retirement Trust - QSuper Accum. - Conservative VS Median -0.4% - -

Fees

Investment Option Flat Fee Percentage Based Fee Fee Based on 50k
Australian Retirement Trust - QSuper Accum. - Conservative 62.4 0.71% $417.4

Asset Allocation

RankAsset%
1 Australian Shares 8.5%
2 International Shares 9%
3 Fixed Interest 44.25%
4 Alternative 18%
5 Property 7.5%
6 Cash 12.75%

Sunsuper Insurance

Sunsuper (now Australian Retirement Trust) offers death, TPD and income protection insurance cover to their members.
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. 

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

Is Sunsuper a Good Super Fund?

Sunsuper’s (now Australian Retirement Trust) Growth, Balanced and Conservative investment options have all outperformed the median over 1, 3 and 5 years. Although Fees are slightly above the median options for these risk profiles. Based on this evidence it would be reasonable to say it’s a good super fund. However, 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.

Is Sunsuper an APRA Fund?

Yes, it is an APRA fund.

Is Sunsuper an Industry Fund?

Although not designated by Industry Super Australia as an Industry super fund, it is a not for profit super fund.

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