Australian Retirement Tust vs AustralianSuper – These are two popular super funds in Australia – but do you know how they differ, or which could be the better fit for you? To make it easy, we’ve compared the key features of both funds side by side. 

AustralianSuper is the largest superannuation fund in Australia, and is a not-for-profit fund with an industry membership base. Membership is open to anyone within Australia.

Formed in 2022 after the merger of QSuper and Sunsuper, Australian Retirement Trust is now one of Australia’s largest super funds. It is a not-for-profit fund with membership is open to anyone within Australia.

Australian Retirement Trust vs AustralianSuper: How do fees compare?

When comparing AustralianSuper and Australian Retirement Trust, AustralianSuper has lower annual percentage based fees, with a 0.67% investment based fee, compared to Australian Retirement Trust’s percentage based fees of 1.10%. AustralianSuper has a higher flat fee of $137.80, while Australian Retirement Trust has a flat fee of $78.00.

Australian Retirement Trust vs AustralianSuper: How does performance compare?

AustralianSuper Australian Retirement Trust
Type of fund Industry super fund not linked to any specific industry. No for profit, non Industry Super fund.
Members 2.3 million 2.0 million
Default Fees (Based on 50K) $472.80 $628.00
Asset Allocation (MySuper option) AustralianSuper Balanced:
International Shares - 31%
Australian Shares - 21%
Alternative - 19.5%
Australian Retirement Trust Balanced:
International Shares - 27.00%
Australian Shares - 26.50%
Alternatives - 20.50%
Performance (MySuper option)* AustralianSuper Balanced:
1 Year: 9.80%
3 Year: 9.08%
5 Year: 9.14%
Australian Retirement Trust Balanced:
1 Year: 11.34%
3 Year: 8.64%
5 Year: 8.75%
Product Disclosure Statement AustralianSuper Product Disclosure Statement Australian Retirement Trust Product Disclosure Statement

*Performance as at 28 February 2022.

How does AustralianSuper and Australian Retirement Trust insurance compare?

Insurance is also an important factor to consider when looking at superannuation options, as some funds may also provide insurance cover – such as life cover and TPD insurance. Insurance fees will affect super balance, so ensuring you’re happy with the deal you have is vital. Based on ratings from Omnilife, AustralianSuper received an insurance rating of 66/100, whilst Australian Retirement Trust has not been rated for its insurance options. 

Interested in seeing how AustralianSuper and Australian Retirement Trust compared to other popular Australian funds? Review My Super provides valuable insights on the best and worst performing super funds, so that you can make informed decisions on where you invest your money.

Review My Super can review every Super Fund in Australia and can help you understand what YOUR money is doing for YOU!

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