Australian Retirement Trust Pty Ltd

What Australian Retirement Trust Pty Ltd does

Australian Retirement Trust Pty Ltd (ART) is a Brisbane-headquartered, profit-for-members superannuation fund established in 2022 through the merger of Sunsuper and QSuper, serving more than 2.4 million Australian members. The fund is regulated by the Australian Prudential Regulation Authority (ABN 60 905 115 063) under the Superannuation Industry (Supervision) Act 1993 and operates without external shareholders, returning operating surpluses to members through lower fees and improved products. ART delivers a full retirement-savings platform spanning accumulation (Super Savings), pre-retirement transition (Transition to Retirement Income Account), and post-retirement income (Retirement Income Account and ART Lifetime Pension), supported by insurance products (death, total and permanent disability, income protection) delivered through wholly-owned subsidiary ART Life Insurance Limited.

The underlying technology platform comprises a Lifecycle Investment Strategy (MySuper default) that automatically reallocates members from a 100% High Growth Pool to lower-risk Balanced and Cash Pools as they approach age 50, an investment menu across High Growth, Balanced, and Cash pools, and a multi-stakeholder digital surface including an iOS/Android mobile app, Member Online, Adviser Online with digital approvals, Employer Online, and a clearing house product (Beam) operated by wholly-owned subsidiary Precision Administration Services Pty Ltd. Identity verification is handled via the Commonwealth Document Verification Service under the Identity Verification Services Act 2023, and the fund publishes Target Market Determinations under Part 7.8A of the Corporations Act 2001.

The business model is membership-based and fee-driven: revenue is generated from membership and administration fees plus investment management fees applied to member superannuation assets, with fees explicitly marketed as below industry average. Distribution is multi-channel — direct-to-consumer through website and mobile app, enterprise sales to employers via Business Development Managers and the clearing house, and a financial adviser channel served by the Adviser Hub and Adviser Online platform. The five wholly-owned subsidiaries (Precision Administration Services, ART Financial Advice, ART Group Services, ART Life Insurance, ART People Services) verticalise administration, advice, insurance, shared services, and employer services. Marketing is supported by the Super Insider Podcast, member rewards program, educational content, and a stack of 2025–2026 industry awards (Canstar, Money Magazine, SuperRatings, ChantWest, Finder).

Name

Australian Retirement Trust Pty Ltd

Legal name

Australian Retirement Trust Pty Ltd

Website

https://australianretirementtrust.com.au

Company type

Private

Founded year

2022

Operating status

Operating

Short description

Australian Retirement Trust is a profit-for-members Australian superannuation fund formed in 2022 from the merger of Sunsuper and QSuper, serving over 2.4 million members with retirement savings, investment management, lifetime pension, insurance, and clearing house products.

Ownership category

akta.pro rank

Product category

Superannuation Fund Management

NAICS

Pension Funds (525110), Insurance and Employee Benefit Funds (5251), Funds, Trusts, and Other Financial Vehicles (525), Other Insurance Funds (525190)

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), Pensions & Retirement Benefits Administration (BPAIAKAA), Retirement Income Planning & Decumulation Advisory (FSAEABAD), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Superannuation fund management
• Retirement income products
• Investment management services
• Pension administration
• Member insurance products

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Membership and Administration Fees: Fees charged to members for account administration and fund management. The fund operates on a profit-for-members basis without shareholders, meaning excess revenue is returned to members through better value products and services.
2. Investment Management: Revenue generated from investment management of member superannuation assets across various investment options including High Growth, Balanced, and Cash pools.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels10 records

Core offering

Australian Retirement Trust is a profit-for-members superannuation fund serving over 2.4 million Australians. It provides super accumulation accounts, retirement income accounts, transition to retirement strategies, and the MySuper Lifecycle Investment Strategy that automatically adjusts investment allocations based on age. The fund also offers the ART Lifetime Pension for guaranteed retirement income, insurance products (death, disability, income protection), employer clearing house services, and financial advice services to members, employers, and financial advisers across Australia.

Product overview

Australian Retirement Trust operates as a profit-for-members superannuation fund offering a unified super and retirement platform. The core product suite includes Super Savings Accumulation Accounts for working members and Super Savings Retirement Income Accounts (including Transition to Retirement options) for retirees, all supported by the Lifecycle Investment Strategy (MySuper) as the default option. The fund provides a proprietary mobile app (iOS/Android), Member Online and Employer Online digital portals, and an Adviser Online platform with digital approvals. Supplementary offerings include the ART Lifetime Pension for guaranteed retirement income, insurance products (death, disability, income protection), the ART Rewards discount program, and financial advice services. Investment options span the High Growth Pool, Balanced Pool, and Cash Pool, with age-based lifecycle switching. The fund also offers employer clearing house services and a comprehensive learning platform including calculators, risk profiling tools, and the Super Insider Podcast.

Differentiator

Problem solved

Functional benefit

Brands

• Monster Super: ART's mascot and brand character representing superannuation savings
• ART Rewards
• Super Savings
• Lifetime Pension
• Super Insider Podcast

Products and services

• Super Savings Accumulation Account The primary superannuation account for working members to accumulate retirement savings through employer contributions, salary sacrifice, and voluntary contributions.
• Super Savings Retirement Income Account A retirement income account that provides regular payments to retired members, supporting retirement lifestyle needs with flexible drawdown options.
• Transition to Retirement Income Account An account for members who have reached preservation age but are still working, allowing partial access to super while continuing to accumulate savings.
• Lifecycle Investment Strategy (MySuper) The default MySuper investment option that automatically adjusts a member's investment allocation based on age. Members under 50 are 100% invested in the High Growth Pool; after age 50, savings gradually transfer to lower-risk Balanced Pool and Cash Pool.
• ART Lifetime Pension A retirement income product providing guaranteed lifetime payments, designed for members seeking certainty of income in retirement.
• Death and Disability Insurance Insurance products providing death cover, total and permanent disability (TPD) cover, and income protection for eligible members, with claims handling through dedicated claim processes.
• Financial Advice Services Professional financial advice services provided by ART Financial Advice Pty Ltd, offering members access to qualified financial advisers for personalized retirement planning.
• Australian Retirement Trust Clearing House A clearing house service for employers to make super contributions to multiple super funds through a single platform, simplifying employer obligations.

Quantifiable outcome

• 10.07% p.a. returns over 10 years (High Growth Option to 30 June 2026)
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Apple App StorecoreTechnology or IntegrationMobile app distribution partnership through Apple App Store for iOS devices. The ART mobile app allows members to manage their super on the go.
• Google Play StorecoreTechnology or IntegrationMobile app distribution partnership through Google Play Store for Android devices. The ART mobile app allows members to manage their super on the go.
• Precision Administration Services Pty LtdcoreTechnology or IntegrationWholly-owned subsidiary providing superannuation administration services including the Australian Retirement Trust Clearing House and Beam products.
• ART Financial Advice Pty LtdcoreTechnology or IntegrationWholly-owned subsidiary providing financial advice services to Australian Retirement Trust members.
• ART Life Insurance LimitedcoreTechnology or IntegrationWholly-owned subsidiary operating as a life insurer for Australian Retirement Trust.
• Member Rewards PartnersminorGTM or Marketing PartnerThird-party brands providing discounts and deals to Australian Retirement Trust members through the Rewards Program.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Aware Super: Industry super fund formed via merger (VicSuper, MTAA, TWU) with ~1M+ members and significant AUM. Directly comparable as a profit-for-members competitor offering MySuper Lifecycle, accumulation, retirement income, and advice services.
• UniSuper: Industry super fund for higher education and research sector with multi-billion AUM. Comparable as a profit-for-members fund offering accumulation, retirement income, defined benefit, and advice products.
• AustralianSuper: Australia's largest superannuation fund with ~3M+ members and ~A$365B AUM, also a profit-for-members industry fund. Directly comparable in MySuper offering, accumulation/retirement products, and target member base, with overlapping employer channels.
• REST (Retail Employees Superannuation Trust): Industry super fund serving retail employees with millions of members, MySuper, accumulation, and retirement income products. Directly competes with ART for employer mandates and individual members in retail/consumer industries.
• HESTA (Health Employees Superannuation Trust of Australia): Industry super fund focused on health and community services with multi-billion AUM and millions of members. Directly comparable as a profit-for-members super fund with MySuper, accumulation, retirement income, and insurance offerings.
• Cbus (Construction & Building Industry Super): Industry super fund with multi-billion AUM serving construction industry employees and beyond. Comparable as a profit-for-members super fund offering MySuper, accumulation, retirement income, and insurance products in the same regulatory framework.
• Hostplus: Large industry super fund (hospitality-focused) with multi-million members and significant AUM, offering accumulation, retirement income, and insurance products. Directly comparable as a competing profit-for-members super fund with similar employer-channel GTM.

Emerging players

• Spaceship Super: Digital-first super fund targeting younger Australian members with growth-tilted investment options and a mobile-first experience. Comparable as a competing super product targeting accumulation-stage members but operates at much smaller AUM scale than ART.

Broad incumbents

• Colonial First State (CFS) Superannuation: Large retail superannuation and investment platform owned by CBA, offering accumulation, retirement income, and advice products. Comparable in product breadth and retirement offerings but operates as a retail/institutional incumbent with broader portfolio than ART's industry-fund focus.
• MLC Limited (NAB MLC Superannuation): Large retail superannuation platform with accumulation, retirement income, and advice offerings, owned by NAB. Comparable in retirement product breadth and adviser network distribution but as a retail incumbent with broader portfolio.

Market position

Strengths3 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance6 records

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&A

Investments

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

Frequently asked questions about Australian Retirement Trust Pty Ltd