What Sunsuper does

Australian Retirement Trust (ART), the entity formed by the 28 February 2022 merger of QSuper (founded 1913) and Sunsuper, is a profit-to-member superannuation fund headquartered in Brisbane, Australia. ART serves over 2.4 million individual Australian members with retirement savings, accumulating, managing, and decumulating superannuation balances across working and retired life stages. Its core product suite includes the Super Savings Accumulation Account, a default Lifecycle Investment Strategy (age-based glidepath across High Growth, Balanced, and Cash Pools), a range of Diversified and single Asset Class investment options, and retirement income products (Retirement Income Account, Transition to Retirement, Lifetime Pension). Supporting services include bundled insurance cover (Death, TPD, Income Protection), financial advice via ART Financial Advice and the National Advice Panel, the Member Rewards program with 3,000+ partner deals, and digital channels comprising Member Online and the ART mobile app (iOS/Android, 4.7 / 4.2 star ratings).

Revenue is generated through a subscription-style fee model: a flat A$1.10 per week admin fee plus 0.10% p.a. on balances up to A$500,000, layered with investment fees ranging from 0.07% p.a. (Cash) to 1.32% p.a. (Unlisted Assets), with total fees capped for low-balance accounts and additional costs absorbed from reserves. ART operates under a profit-to-member structure in which surpluses are reinvested into lower fees and services rather than distributed to shareholders, and as a Registrable Superannuation Entity regulated by APRA. Distribution occurs via direct-to-consumer digital channels (Member Online, mobile app, phone), an Employer Online Portal with clearing house services for Super Guarantee payments, and a Financial Adviser Hub. The fund reports approximately A$370 billion in assets under management, delivers a 10-year High Growth return of 9.77% p.a. (to 31 March 2026), and holds 20 consecutive years of SuperRatings Platinum Performance recognition.

Name

Sunsuper

Legal name

Australian Retirement Trust Pty Ltd

Website

https://australianretirementtrust.com.au

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

101–250 employees

Short description

Australian Retirement Trust (formerly Sunsuper) is a profit-to-member Australian superannuation fund managing approximately A$370 billion for over 2.4 million members, offering accumulation, lifecycle investment, retirement income, insurance, advice, and rewards products via Member Online, mobile app, employer, and adviser channels.

Ownership category

akta.pro rank

Product category

Superannuation Fund Management

NAICS

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

SIC

Investment Advice (6282), Life Insurance (6311)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industries

Corporate & Public Pension Funds (DB/DC Sponsors) (FSAAAGAA), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Retirement Income Planning & Decumulation Advisory (FSAEABAD), Employee Benefit & Retirement Plan Trust Services (FSAAANAC)

Keywords

• Superannuation fund management
• Retirement savings accounts
• Lifecycle investment options
• Account based pensions
• Superannuation insurance cover

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Superannuation Management Fees: Revenue generated through admin fees and investment fees charged to member accounts. Admin fees: $1.10 per week flat fee plus 0.10% p.a. on first $500,000 balance. Investment fees vary by option (0.07% to 1.32% p.a.). As a profit-to-member fund, profits are returned to members as better services and lower fees rather than distributed to shareholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Australian Retirement Trust is a profit-to-member superannuation fund that provides accumulation accounts, a default age-based Lifecycle Investment Strategy, diversified and single-asset-class investment options, retirement income products (Account-based Pension, Transition to Retirement, Lifetime Pension), and group insurance cover (Death, Total and Permanent Disability, Income Protection). Members access accounts via the Member Online web portal and the ART mobile app, supported by phone, financial advice, and 3,000+ member rewards deals.

Product overview

Australian Retirement Trust (ART), formerly Sunsuper, operates as a profit-to-member superannuation fund offering a unified platform for superannuation savings and retirement income. The core product is the Super Savings Accumulation Account, which integrates with the Lifecycle Investment Strategy (default option) that automatically manages investment risk based on member age. The investment suite spans Lifecycle Pools (High Growth, Balanced, Cash), Diversified Options (High Growth through Balanced Index), and Asset Class Options (Australian Shares, International Shares, Property, Bonds, Cash, Unlisted Assets). For retirement, ART provides Income Account, Transition to Retirement, and Lifetime Pension products. Digital access is delivered through Member Online (web) and the ART Mobile App (iOS/Android), with additional services including Member Rewards (3,000+ deals), Financial Advice, and Insurance (Death, TPD, Income Protection). The fund manages over $370 billion in assets for 2.4 million members.

Differentiator

Problem solved

Functional benefit

Brands

• ART Financial Advice: Financial advice subsidiary providing advice about ART accounts and superannuation matters
• Member Rewards
• Super Insider

Products and services

• Super Savings Accumulation Account Primary superannuation accumulation account for working members offering investment options, insurance cover and fee structures for building retirement savings. Targeted at individual Australian members.
• Lifecycle Investment Strategy Default investment option that automatically adjusts a member's investment strategy based on age, transitioning from higher-growth to lower-risk allocations as retirement approaches. Targeted at superannuation members who prefer automated age-based investing.
• Lifecycle Investment Pools (High Growth, Balanced, Cash) Investment pools within the Lifecycle Strategy with different risk-return profiles: High Growth Pool (0.56% p.a. total fees), Balanced Pool (0.54% p.a.), and Cash Pool (0.07% p.a.). For members using the default Lifecycle strategy.
• Diversified Investment Options Ready-made investment options including High Growth, Balanced, Conservative-Balanced, Conservative, Balanced Risk-Adjusted, Socially Conscious Balanced, High Growth Index, and Balanced Index. For members who want a single diversified choice.
• Asset Class Options Single asset class options for mixing and matching: Australian Shares Index, International Shares Hedged/Unhedged Index, Listed Property Index, Unlisted Assets, Bonds Index, and Cash. For members building custom portfolios.
• Retirement Income Account Account-based pension product allowing retirees to draw regular income from their superannuation balance while maintaining tax advantages. Targeted at members in the drawdown phase of retirement.
• Transition to Retirement Income Account Allows members approaching retirement to access their super while still working, enabling partial withdrawal and contribution strategies. Targeted at pre-retirement members.
• Lifetime Pension Guaranteed income product providing payments for life, with single or spouse protection options. Targeted at retirees seeking longevity-protected income.
• ART Mobile App iOS and Android mobile application for managing super on the go, featuring balance checking, investment management, notifications, rewards access and multi-factor authentication. Targeted at individual members.
• Member Online Web-based member portal for managing super accounts, viewing balances, making contributions, switching investments, and accessing statements and documents. Quick Join takes less than 5 minutes. Targeted at individual members.
• Member Rewards Rewards program offering access to over 3,000 exclusive member deals across Australian brands including JB Hi-Fi, Good Guys, Discovery Parks, and Experience Oz. Targeted at individual members.
• Financial Advice Services Included financial advice about super accounts, an investment advice tool, retirement planning support, and access to the National Advice Panel for comprehensive financial advice referrals. Targeted at individual members.
• Death Cover (Insurance) Insurance benefit paying a lump sum to beneficiaries upon the member's death. Targeted at individual members holding super with ART.
• Total & Permanent Disability Cover (Insurance) Insurance providing a lump sum payment if the member becomes totally and permanently disabled. Targeted at individual members holding super with ART.
• Income Protection Cover (Insurance) Insurance providing regular income payments if the member is unable to work due to illness or injury. Targeted at individual members holding super with ART.
• Super Consolidation Service Service allowing members to combine multiple super accounts into one ART account to reduce fees and simplify management. Targeted at individual members with multiple super balances.
• Employer Clearing House Online platform enabling employers to pay super contributions to multiple funds through a single interface. Targeted at Australian employers making super guarantee contributions.
• Binding Death Benefit Nomination Legal nomination allowing members to specify who receives their super and insurance payout upon death. Targeted at individual members holding super with ART.

Quantifiable outcome

• 9.77% p.a. returns over 10 years for High Growth option (to 31 March 2026)
• +4 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• JB Hi-FiminorGTM or Marketing PartnerMember rewards partner offering exclusive prices on laptops, smartphones, Garmin, TVs, whitegoods, and more for ART members
• The Good GuysminorGTM or Marketing PartnerMember rewards partner offering discounts on white goods, TVs, and many other appliances for ART members
• Experience OzminorGTM or Marketing PartnerMember rewards partner offering up to 50% discounts on theme parks, Great Barrier Reef tours, zoos and aquariums, skydiving experiences
• Discovery ParksminorGTM or Marketing PartnerMember rewards partner offering 15% off over 300 holiday parks across Australia
• mycar Tyre & AutominorGTM or Marketing PartnerMember rewards partner (formerly Kmart Tyre and Auto) offering up to 10% off retail prices of tyres for ART members
• Freedom FuelsminorGTM or Marketing PartnerMember rewards partner offering petrol discounts for ART members
• Woolworths and Coles (via Redeemyourgiftcard)minorGTM or Marketing PartnerMember rewards partner offering gift cards for grocery shopping at Woolworths and Coles
• First Nations FoundationcoreStrategic or Co-development PartnerART has partnered with First Nations Foundation to provide financial education and workshops for Indigenous Australians in remote communities, supporting financial literacy and fairness in finance
• Financial Basics FoundationminorStrategic or Co-development PartnerPartnership featuring Financial Basics Foundation CEO Katrina Samuels on Super Insider podcast to explore how financial literacy can transform lives

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Hostplus: Industry super fund serving hospitality and tourism workers that has expanded into broader accumulation and retirement income; competes with ART for MySuper defaults and member consolidations.
• UniSuper: Profit-to-member super fund focused on the higher-education sector with comparable lifecycle, accumulation, and pension offerings; competes for accumulation members and defined-benefit-style lifetime income products.
• Aware Super: Industry super fund with a similar profit-to-member model, comparable scale, and strong accumulation and pension offerings; competes directly for MySuper default members and employer accounts.
• AustralianSuper: Australia's largest superannuation fund and the dominant profit-to-member peer; competes head-to-head for MySuper default mandates, accumulation members, and retirement income products across the same employer and individual channels.
• Australian Prudential Regulation Authority (APRA) regulated retail super funds (e.g., REST, HESTA): Other large APRA-regulated industry/retail super funds of comparable size and profit-to-member structure that compete for the same MySuper default allocations and member consolidations.

Broad incumbents

• Colonial First State: Major retail superannuation and platform provider offering accumulation, pension, and investment products through advisers; competes with ART in the retail and advised super channels as a broader financial-services incumbent.
• BT Panorama / Westpac Super: Bank-owned super and platform business offering MySuper and pension products within a larger retail-banking franchise; competes with ART for employer mandates and individual members via bank-distribution channels.
• Mercer Australia: Global investment and superannuation consultant/manager offering master trust and platform products; competes with ART in the adviser-distributed super and retirement income market.

Emerging players

• Plum Super: Digital-first super fund app targeting younger members with low fees and a streamlined mobile experience; competes for the same digital-native cohort ART targets via its redesigned mobile app.
• Vanguard Super: Low-cost index-focused super entrant leveraging Vanguard's global brand; competes on price and index options with ART's High Growth Index and Balanced Index pools.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Sunsuper