Australian Retirement Trust

What Australian Retirement Trust does

Australian Retirement Trust (ART) is an Australian profit-for-members superannuation fund formed in 2022 through the merger of QSuper and Sunsuper, regulated by APRA and domiciled in Australia with its headquarters mailing address in Brisbane. The fund serves over 2.4 million members by providing compulsory and voluntary superannuation accumulation products (Super Savings), a default MySuper Lifecycle Investment Strategy that automatically rebalances member portfolios from a High Growth Pool to Balanced and Cash Pools based on age, and a decumulation suite comprising the ART Lifetime Pension, Retirement Income Account, and Transition to Retirement Income Account.

Revenue is generated from member administration and investment fees, which the fund states are below industry average, with profits reinvested for members rather than distributed to shareholders. Distribution occurs through a hybrid model: direct digital self-service via website and mobile app, employer channels including stapling, Employer Hub, Employer Online, BPAY, and the Beam clearing house operated through wholly-owned subsidiary Precision Administration Services, and a financial adviser channel supported by Adviser Hub, Adviser Online, and dedicated business development managers. The fund also offers integrated life and disability insurance via ART Life Insurance Limited, financial advice via ART Financial Advice Pty Ltd, and a member rewards program (ART Rewards).

The Lifecycle Investment Strategy functions as the technical anchor of the product, replacing member-driven allocation decisions with an age-based rule engine. Supporting technical components include a Member Online portal, iOS and Android mobile apps (legacy Sunsuper app identifiers visible in store metadata indicate platform migration is still in progress), tools and calculators, the Super Insider Podcast content series, and integration with the Australian Government's Document Verification Service for KYC. ART has consistently earned industry recognition including Canstar 5 Stars (2025), Money Magazine Best MySuper Lifecycle and Best Moderate Pension (2026), Finder #1 for customer satisfaction (2023), ChantWest (2026), and SuperRatings Platinum MyChoice and MySuper of the Year (2026).

Name

Australian Retirement Trust

Legal name

Australian Retirement Trust Pty Ltd

Website

https://australianretirementtrust.com.au

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Australian Retirement Trust is a profit-for-members Australian superannuation fund serving over 2.4 million members with accumulation and retirement income products, including an age-based Lifecycle Investment Strategy, employer clearing house services, and in-house financial advice and insurance.

Ownership category

akta.pro rank

Product category

Superannuation Fund

NAICS

Pension Funds (525110), Pension Funds (52511), Insurance and Employee Benefit Funds (5251)

SIC

Investment Advice (6282)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industries

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Employee Benefit & Retirement Plan Trust Services (FSAAANAC), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Superannuation fund
• Retirement savings
• Lifecycle investment strategy
• Retirement income products
• Member benefits program

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Superannuation management fees: Australian Retirement Trust is a profit-for-members super fund. Revenue is generated through member fees (administration and investment fees) which are stated to be below industry average. No profits are distributed to shareholders - profits are reinvested into better products and services for members.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Australian Retirement Trust is a profit-for-members superannuation fund that provides retirement savings accumulation and retirement income products to over 2.4 million Australian members. Its core offering is the Super Savings account with the Lifecycle Investment Strategy (MySuper) that automatically adjusts investment allocation based on member age, complemented by retirement income accounts, a lifetime pension, and integrated insurance and financial advice services.

Product overview

Australian Retirement Trust operates as a profit-for-members superannuation fund offering a unified product portfolio centered on the Super Savings accumulation product. The core offering is the Lifecycle Investment Strategy (MySuper product), which automatically manages investment risk based on member age—from High Growth through to Balanced and Cash pools. The fund provides multiple integrated modules: Member Online and the ART Mobile App for member self-service, Adviser Online for financial advisers, and an Employer Hub with clearing house services for business super management. Retirement solutions include the ART Lifetime Pension, Retirement Income Account, and Transition to Retirement Income Account. Additional services encompass insurance products (death, disability, income protection), ART Rewards member discounts, financial advice services, and planning tools including calculators and the Super Insider Podcast. The fund serves over 2.4 million members and is regulated under Australian superannuation law.

Differentiator

Problem solved

Functional benefit

Brands

• Monster Super: Mascot/branding element for the super fund, featuring a monster character named Artie used in marketing materials
• ART Rewards
• ART Lifetime Pension
• Super Savings

Products and services

• Super Savings The main superannuation accumulation account for Australian Retirement Trust members, providing a vehicle for retirement savings with various investment options.
• Lifecycle Investment Strategy (MySuper) The default MySuper product that automatically adjusts investment allocation based on member age—from 100% High Growth Pool before age 50, gradually shifting to Balanced Pool and Cash Pool as members approach retirement.
• ART Lifetime Pension A retirement income product providing guaranteed lifetime income, with a Target Market Determination (TMD) available for advisers.
• Retirement Income Account Account for retired members to manage their superannuation benefits with flexible drawdown options and potential retirement bonuses.
• Transition to Retirement Income Account Allows members approaching retirement to access a portion of their super while still working, with flexible contribution and drawdown options.
• Insurance Products Includes death insurance, disability insurance, income protection, and terminal illness benefits integrated with super accounts.
• Financial Advice Services Professional financial planning and advice services to help members plan and manage their super and retirement needs.
• ART Rewards Member rewards program offering deals and discounts across various brands throughout Australia.
• Precision Clearing House (Beam) Service enabling employers to pay super contributions to multiple funds through a single transaction, administered by Precision Administration Services.

Quantifiable outcome

• 9.77% p.a. returns over 10 years to 31 March 2026 for High Growth Option, outperforming industry median across all measured timeframes
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

One partnership is on record.

• Precision Administration Services Pty LtdcoreOthersWholly-owned subsidiary of Australian Retirement Trust providing superannuation administration services including clearing house products and Beam platform for employer super payments.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• AustralianSuper: Australia's largest superannuation fund and the closest direct competitor to ART, offering MySuper, accumulation, pension, and advice products to a multi-million-member base. Competes head-to-head on fees, performance, employer relationships, and lifecycle defaults.
• Rest Super: One of Australia's largest industry super funds, providing accumulation, retirement income, and advice products to retail and employer channels. Directly comparable to ART in scale, target market, and profit-for-members structure.
• Hostplus: Large Australian industry super fund serving hospitality, tourism, sport, and broader retail members. Comparable to ART as a profit-for-members MySuper provider competing on fees, performance, and employer stapling.
• Cbus: Industry super fund for the construction sector with growing broader membership. Comparable to ART in fund structure, MySuper lifecycle offering, retirement products, and employer-channel focus.
• UniSuper: Super fund for the higher education and research sector offering accumulation, defined benefit, and pension products. Comparable to ART in scale, product breadth, and profit-for-members economics.
• HESTA: Industry super fund for the health and community services sector, offering MySuper and retirement income products. Comparable to ART as a profit-for-members fund competing on fees and performance benchmarks.
• Aware Super: Industry super fund formed from merger of First State Super and VicSuper, serving public sector and broader members. Directly comparable to ART in scale, product set, lifecycle strategy, and profit-for-members positioning.

Broad incumbents

• Colonial First State: Major retail wealth platform (part of Insignia/IOOF group post-demerger) offering superannuation, pensions, and investment products. Comparable to ART as a super provider but operates a retail/institutional platform model rather than industry fund structure.
• Mercer Australia: Global consulting and wealth business offering corporate super, SMSF, and investment solutions to Australian employers and members. Comparable to ART as a large super provider but with a broader corporate/consulting model rather than member-owned structure.
• AMP Super: Wealth manager offering retail and corporate superannuation alongside broader financial advice and investment products. Comparable to ART in super product offering but competing via retail channels and corporate plans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AustralianRetirementTrust
• LinkedInlinkedin.com/company/australian-retirement-trust
• Instagraminstagram.com/australianretirementtrust
• Xx.com/sunsuper

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments5 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Australian Retirement Trust