Sunsuper and QSuper merged on 28 February 2022 to create Australian Retirement Trust. Existing members of Sunsuper will remain part of Australian Retirement Trust, and the superannuation investment products will remain the same.
When joining this fund you'll automatically be invested in the Lifecycle option which invests your super according to your age. After joining you can switch your investment option at any time. The investment options offered are the same as those previously offered by Sunsuper.
We currently don't have a partnership for that product, but we have other similar offers to choose from (how we picked these ):
The information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.
*Past performance data and fee data is for the period ending October 2024
Based on Australian Retirement Trust super fund scores in Finder's 2024 Customer Satisfaction Awards.
Australian Retirement Trust - International Shares Index (unhedged) won the 2024 Finder Award for best shares super fund with an unbeatable combination of low fees and strong performance over the last 10 years. Finder Superannuation Awards 2024.
The Super Savings product (previously Sunsuper for Life) offers 3 ways to invest depending on how hands-on you want to be with your super. These options are detailed below:
When you apply to become a member the fund will automatically place you in its Lifecycle investment strategy (MySuper) option. Your super will be managed for you, and will be invested in a Balanced fund for the majority of your working life. It'll then gradually reduce your exposure to growth assets as you get closer to retirement.
| Lifestage options | Risk | Asset allocation |
|---|---|---|
| Balanced Pool Members will be invested in the Balanced option until they're 55, which aims for medium to long-term growth with a mix of growth and defensive assets. | Medium to high |
|
| Retirement Pool From age 55 to 65 your investments are gradually transitioned from the Balanced Pool to the Retirement and Cash Pools on a monthly basis. | Medium |
|
| Cash Pool When you're aged 65 and over you'll be invested 90% in the Retirement Pool and 10% in the Cash option. This is a 100% defensive portfolio with no exposure to growth assets. | Very low |
|
If you'd prefer a bit more choice with your super, you can choose from one of these diversified options.
| Pre-mixed investment options | Risk | Asset allocation |
|---|---|---|
| High Growth This is the highest-growth option, with more than 80% asset allocation to growth investments including shares. | High |
|
| Balanced This option has less exposure to growth assets compared to the Growth option. It's designed for members who want to generate wealth over the long term. | Medium to High |
|
| Balanced – Index This option is similar to the Balanced option but has exposure to a range of publicly traded assets which are invested in line with standard market indicies. | High |
|
| Socially Conscious Balanced This option avoids investment in companies that generate more than 5% of revenue from alcohol, tobacco, gambling, pornography, coal or nuclear power manufacturing among other harmful industries. | Medium to High |
|
| Diversified Alternatives This option provides greater exposure to unlisted investments and trading strategies. | Medium |
|
| Retirement This option is designed for members who are close to, or have reached retirement and has less exposure to growth assets, meaning less short-term volatility. | Medium |
|
| Conservative This option is designed for members who seek less volatile returns for their super while maintaining some growth exposure. | Low |
|
This is for members who want to be hands-on with their super. You can choose to invest your balance in just one single asset option, or a mix of up to 10.
Members will automatically receive access to death and total and permanent disability assist cover, and have the option to increase cover and add income protection insurance, provided you meet some basic criteria.
The amount of death and TPD assist cover you will receive with your account will depend on your age and the type of cover. You also have the option to increase your level of cover, should you wish to do so.
The cost of your cover will depend on your age and gender and the cost will change with your age over time. Premiums are calculated weekly and are deducted from your account each month. Once you are retired, you can continue your insurance cover as long as you continue to hold a Super-savings account (with a minimum account balance of $1,500).
Example Death and TPD Assist cover levels and cost (standard cover):
| Your age | Death cover | TPD Assist cover | Cost per week – Male | Cost per week – Female |
|---|---|---|---|---|
| 15 -21 | $62,500 | $125,000 | $4.12 | $2.40 |
| 22-29 | $125,000 | $175,000 | $7.32 | $4.60 |
| 30-33 | $250,000 | $250,000 | $13.40 | $8.39 |
| 35 | $240,000 | $240,000 | $13.40 | $8.39 |
| 45 | $132,000 | $132,000 | $15.84 | $11.32 |
| 55 | $42,000 | $42,000 | $15.84 | $11.32 |
| 65-66 | $16,000 | $16,000 | $15.84 | $11.32 |
Insurance offered is provided by AIA Australia Limited.
Note: there may be exclusions and/or restrictions which apply to your insurance cover. Check the "Insurance Guide" available via the Australian Retirement Trust website.
You can join this fund by completing the online application form.
Make sure you have:
Compound growth allows your super returns to be reinvested and generate their own returns, helping your balance grow much faster over time. Here's how it works.
Superannuation is the main way of saving for your retirement in Australia. Your superannuation is one big investment portfolio in your name that's managed for you by your super fund.
Conservative super funds are designed to protect your superannuation savings. These funds have more money invested in low-risk, defensive assets like cash, fixed interest and bonds and less money invested in shares.
A high growth super fund invests more of your super into growth assets like shares, aiming for higher returns over the long term.
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How long will takes for a payment to be made since l have made my application for my payments 5 months ago and nothing happen?
Hi Jerry,
Thanks for getting in touch with finder. I hope all is well with you. :)
If you are referring to your Sunsuper payment, it would be a good idea to ask the company directly. You need to make a follow up as your request might have been overlooked. Checking the status of your request would help you better know what happened to the payment.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua