Sunsuper
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.
- Company typePrivate
- Founded2022
- HeadquartersBrisbane, Australia
- Headcount101–250
- GTM typeB2C
- OfferingServices
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.
Sunsuper firmographics
Firmographics- 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
Sunsuper industry classification
Industry- 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
Where Sunsuper is headquartered
LocationHeadquarters
- HQ city
- Brisbane
- HQ country
- Australia
- HQ region
- Oceania
Offices3 records
Markets served
Sunsuper business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Weekly | Admin Fees: $1.10/week + 0.10% p.a. on first $500,000 |
| Unit Pricing | Annual | Lifecycle High Growth Pool: Total 0.56% p.a. |
| Unit Pricing | Annual | Lifecycle Balanced Pool: Total 0.54% p.a. |
| Unit Pricing | Annual | Diversified Options: High Growth 0.56%, Balanced 0.54%, Conservative-Balanced 0.52%, Conservative 0.50%, Balanced Risk-Adjusted 0.44%, Socially Conscious Balanced 0.64% |
| Unit Pricing | Annual | Index Options: High Growth Index 0.09%, Balanced Index 0.09% |
| Unit Pricing | Annual | Asset Class Options: Australian Shares Index 0.08%, International Shares Hedged/Unhedged Index 0.10%, Listed Property Index 0.10%, Bonds Index 0.08%, Cash 0.07%, Unlisted Assets 1.32% |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Sunsuper product offering
Product offeringCore 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
Companies that use Sunsuper
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Sunsuper technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Sunsuper partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered minor and core.
- JB Hi-FiminorMember rewards partner offering exclusive prices on laptops, smartphones, Garmin, TVs, whitegoods, and more for ART members
- The Good GuysminorMember rewards partner offering discounts on white goods, TVs, and many other appliances for ART members
- Experience OzminorMember rewards partner offering up to 50% discounts on theme parks, Great Barrier Reef tours, zoos and aquariums, skydiving experiences
- Discovery ParksminorMember rewards partner offering 15% off over 300 holiday parks across Australia
- mycar Tyre & AutominorMember rewards partner (formerly Kmart Tyre and Auto) offering up to 10% off retail prices of tyres for ART members
- Freedom FuelsminorMember rewards partner offering petrol discounts for ART members
- Woolworths and Coles (via Redeemyourgiftcard)minorMember rewards partner offering gift cards for grocery shopping at Woolworths and Coles
- First Nations FoundationcoreART 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 FoundationminorPartnership 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
Sunsuper competitors and assessment
Company assessmentDirect 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
Sunsuper financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sunsuper leadership team
Management profileNumber of profiles
Profiles4 records
Sunsuper funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sunsuper M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sunsuper
What does Sunsuper do?
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.
Is Sunsuper a public or private company?
Sunsuper is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Sunsuper founded?
Sunsuper was founded in 2022. It employs 101 to 250 people.
Where is Sunsuper based?
Sunsuper is headquartered in Brisbane, Australia, in the Oceania region.
How does Sunsuper make money?
One revenue line is on record: superannuation Management Fees.
Who are Sunsuper's main competitors?
Direct peers on record are Hostplus, UniSuper, Aware Super, AustralianSuper and Australian Prudential Regulation Authority (APRA) regulated retail super funds (e.g., REST, HESTA). Broad incumbents are Colonial First State, BT Panorama / Westpac Super and Mercer Australia. Emerging players are Plum Super and Vanguard Super.
Does Sunsuper have an API?
No public API is recorded for Sunsuper.
What industry is Sunsuper in?
Sunsuper's product category is Superannuation Fund Management. Its primary akta.pro industry code is FSAAAGAB, Pension Master Trusts, Superannuation & Provident Funds, with a secondary code of FSAAAGAA, Corporate & Public Pension Funds (DB/DC Sponsors). Its NAICS code is 525110 and its SIC code is 6282.