Knowing how super accounts work is the first step to taking control of your savings.
When you become an Australian Retirement Trust member, you get a Super Savings Accumulation account.
Think of it like a bank account – it's where your super goes.
Learn more about superannuation
We offer a few different superannuation account types. You can have more than one type, depending on where you are in your working life.
Where your super goes, and grows, during your working years. Watch it accumulate!
Turn your super into a flexible income when you're retired, or nearing retirement.
Turns your super into a regular income for life once you're retired, so your super won't run out.
Super Savings accounts make super easy to manage across your whole lifetime.
Benefit from our focus on:
Our accounts help you make the most of the 2 phases of superannuation – accumulating money, and retirement. Even if you're somewhere in between, we have you covered.
1
This is when your super accumulates, or builds up, while you're working. Your employer pays super into your Accumulation account. You can add extra, too.
2
This is when you can start withdrawing your super, whether you're nearing or in retirement. You can set up an income account (pension) to pay yourself while your super keeps earning.
Have everything you need to grow your super, your way. It's a highly-rated product that's much more than just a superannuation savings account.
Create a super account
With a range of options to choose from, take full control or leave the investing to us. Which one suits you?
Enjoy financial security through your super so you're covered if life doesn't go to plan.
Get advice about your super account from a qualified financial adviser as part of your membership.1
24/7 access to your account via our app or Member Online.
Tap into member-only seminars or call our local team if you need help.
Enjoy a super account that's open to all Australians, no matter where you work.
Make the most of your super by turning it into tax-effective income as you retire. We’ll help you have the retirement you've been planning with our Super Savings Income accounts and Lifetime Pension.
Start using your super while working to save more or work less hours.
Get payments while still working
Keep growing your super
Flexible payment options
Gives you the flexibility to change payments and withdraw money anytime.
Income as long as you have a balance
Choose your investment options
Works with other pensions
Adds security in retirement with a regular income for life and money-back protection.
Never runs out
Possible Age Pension benefits
Payments adjusted yearly
We look after millions of Australian super accounts to help our members live their best retirement. So you can be sure your super's in safe hands with us.
Not sure which of our accounts is best for you? Check their different features to see which ones might suit your needs. You can use our accounts on their own or in a combination that suits your super.
Swipe to scroll through accounts
Age available
Regular income payments
Income for life
Withdraw lump sums
Change payment frequency and amount
Choose investments
Tax-free investment returns over age 60 (generally)
Tax-free withdrawals over age 60
Tax-free income payments over age 60
Potential boost to Age Pension
Accepts contributions
Super Savings Accumulation
Save while you're working
All ages
Conditions apply
Conditions apply
Enjoy outstanding value for money with a superannuation account that ticks all your boxes.
1. Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS) is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide for more information.
