Welcome to Australian Retirement Trust

We're one of Australia's largest super funds and proud to take care of $300 billion in retirement savings for close to 2.4 million Australians.

Find out more

Alcoa's super plan

Your employer has entrusted Australian Retirement Trust as the super fund for its employees for good reason.

Australian Retirement Trust is one of Australia’s largest super funds. Close to 2.4 million Australians trust us to take care of over $300 billion of their retirement savings.

We’re here to help you retire well with confidence, focused on strong long-term investment returns, lower fees and the information and access to advice you need to manage your super and retirement.

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NEW Micro-learning modules

Our new library of quick videos to help manage your super is now available. The more you know, the more you can take charge of your financial future.

Learn more

Educational videos and Troubleshooting guide

We've developed some videos to help you get the most from your super.

This webinar explores simple strategies to help women unleash their super potential. This is produced in recognition and celebration of International Women's Day 2025.

 

 

55% of Australians aren't sure they'll have enough super by the time they retire.1

Join Australian Retirement Trust’s seminar to gain some useful insights into understanding how you are tracking.

This seminar will explore:
• How much super you might currently have versus how much super you should have at your age
• How much super you are on track to have at retirement versus how much you could have at retirement

1ART Financial Wellbeing Index 2024. Survey of 1,000 Australians, carried out by IPSOS on behalf of Australian Retirement Trust from September to November 2023.

 

 

This webinar discusses how Australian Retirement Trust invests your super, the performance of the investments and important considerations for you to make when investing.

 

 

If you’re interested in finding out about how to financially prepare should something unexpected happen to you, this webinar covers:

  • The benefits of insurance through super
  • Types of insurance cover available through super
  • How much insurance cover is necessary
  • The importance of nominating beneficiaries
  • Tax considerations for beneficiaries

 

 

What to do if the links provided in the emails are not working for you.

Accumulation members

The information and documents contained on this site are unique to your Australian Retirement Trust plan.

However some links may take you to the Australian Retirement Trust public site which contains general information that may be relevant to you but does not take into consideration your plan-specific arrangements.

The documents listed here do not apply to Defined Benefit, Pension, Retained, Spouse members or Casual Alcoa employees.

 Important update – 1 April 2025
This important update applies to applies to any Super Savings – Corporate Product Disclosure Statements for Accumulation Account issued between 1 July 2024 and 31 March 2025, and the Super Savings Investment Guide and Product Disclosure Statement for Income Account and Lifetime Pension issued 8 July 2024.
 Important update – 1 November 2024
This important update applies to Super Savings – Corporate Product Disclosure Statements for Accumulation Account issued between 1 July 2024 and 31 October 2024.
Super Savings – Corporate Product Disclosure Statement for Accumulation Account [pdf, 2.1MB]

A summary of the significant information you need about your Super Savings – Corporate account, including standard insurance and fees.

Super Savings – Corporate Insurance Guide [pdf, 563KB]
This guide details the standard and additional insurance available in your plan and the fees and costs that apply to your account.
Super Savings Accumulation Guide [pdf, 9.4MB]
Important information about how superannuation works (including Income accounts), and more details of the fees and costs that apply to your account.
Super Savings Investment Guide [pdf, 5.1MB]
Details of the investment option available to you, and information on determining your investor needs.
Cost of Product Factsheet [pdf, 611.5KB]
Important information about the annual fees and costs (“Cost of Product”) for each investment option available to you.
Target Market Determinations
This page provides information about Target Market Determinations. It describes the target markets for which Australian Retirement Trust products have been designed, taking into consideration their likely objectives, financial situation and needs.
ATO Superannuation Standard Choice form [pdf, 429.6KB]
Use this form to choose the super fund your employer will pay your super into. You'll need to provide this to your employer to join their corporate plan.
Membership application [pdf, 2.1MB]
If you're joining your employer's corporate plan, use the form at the back of the PDS for additional insurance and beneficiary options.
Binding death benefit nomination [pdf, 313.2KB]
Use this form to make, change or cancel a binding death benefit nomination.
Change of insurance cover [pdf, 1.2MB]
Use this form to change your level of insurance within the standard cover provided OR to apply for Additional insurance.
Consolidate your super form [pdf, 1.2MB]
Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 
Insurance variation form [pdf, 204.8KB]
Use this form to reduce or cancel your existing insurance cover.
Personal health summary [pdf, 1.2MB]
Use this form to increase your insurance cover if your cover has been restricted to the Automatic Acceptance Limit (AAL).
Transfer of insurance cover  [pdf, 262.4KB]
Use this form to transfer your current insurance cover to Australian Retirement Trust.
Why join ART? [pdf, 1.4MB]
A quick look at the benefits of joining the Alcoa Corporate Superannuation Plan with Australian Retirement Trust.
ATO Superannuation Standard Choice form [pdf, 429.6KB]
Use this form to choose the super fund your employer will pay your super into. You'll need to provide this to your employer to join their corporate plan.
Membership application [pdf, 2.1MB]
If you're joining your employer's corporate plan, use the form at the back of the PDS for additional insurance and beneficiary options.
Alcoa Corporate Superannuation Plan Insurance Calculator [xlsx, 431.1KB]
Overseas Secondment factsheet [pdf, 166.9KB]

Defined Benefit members

The information and documents contained on this site are unique to your Australian Retirement Trust plan.

However some links may take you to the Australian Retirement Trust public site which contains general information that may be relevant to you but does not take into consideration your plan-specific arrangements.

The documents listed here do not apply to Accumulation, Pension, Retained, Spouse members or Casual Alcoa employees.

 Important update – 1 April 2025
This important update applies to applies to any Super Savings – Corporate Product Disclosure Statements for Accumulation Account issued between 1 July 2024 and 31 March 2025, and the Super Savings Investment Guide and Product Disclosure Statement for Income Account and Lifetime Pension issued 8 July 2024.
 Important update – 1 November 2024
This important update applies to Super Savings – Corporate Product Disclosure Statements for Accumulation Account issued between 1 July 2024 and 31 October 2024.
Defined Benefit Handbook [pdf, 404.8KB]
This handbook provides information to help you understand your Defined Benefit and your additional accumulation plan.
Super Savings – Corporate Insurance Guide [pdf, 563KB]
This guide details the standard and additional insurance available in your plan and the fees and costs that apply to your account.
Super Savings Accumulation Guide [pdf, 9.4MB]
Important information about how superannuation works (including Income accounts), and more details of the fees and costs that apply to your account.
Super Savings Investment Guide [pdf, 5.1MB]
Details of the investment option available to you, and information on determining your investor needs.
Transfer of insurance cover  [pdf, 282.4KB]
Use this form to transfer your current insurance cover to Australian Retirement Trust.
Change of insurance cover [pdf, 1.2MB]
Use this form to change your level of insurance within the standard cover provided OR to apply for Additional insurance.
Insurance variation form [pdf, 208.9KB]
Use this form to reduce or cancel your existing insurance cover.
Contribution Change Request [pdf, 158.3KB]
Use this form to change your contribution details for your Defined Benefit account in the Alcoa Superannuation Plan.
Binding death benefit nomination [pdf, 313.2KB]
Use this form to make, change or cancel a binding death benefit nomination.
Consolidate your super form [pdf, 1.2MB]
Use this form to consolidate (rollover) your super from other accounts into your Australian Retirement Trust account. 
Transfer to income account form [pdf, 245.8KB]
Use this form if you're still working for Alcoa and want to request a transfer from your defined benefit, including your Additional Accumulation account, to a Super Savings Income account. The PDS and form for the Super Savings Income account is available at art.com.au/pds.
Employer and Salary Sacrifice Contributions for Defined Benefit Members [pdf, 374.1KB]
DB Part-time Employees factsheet [pdf, 183.6KB]
DB Leaving Employer factsheet [pdf, 201.2KB]
DB Leave Without Pay factsheet [pdf, 163.7KB]
Defined Benefit to Transition to Retirement factsheet [pdf, 179.5KB]
Offset Accounts factsheet for Defined Benefit members [pdf, 162.9KB]
Supplementary DB Multiple factsheet [pdf, 180.5KB]
Overseas Secondment factsheet [pdf, 166.9KB]
Alcoa Corporate Superannuation Plan Actuarial Investigation Report as at 30 June 2024 [pdf, 2.4MB]

Pension members

The information and documents contained on this site are unique to your Australian Retirement Trust plan.

However some links may take you to the Australian Retirement Trust public site which contains general information that may be relevant to you but does not take into consideration your plan-specific arrangements.

The documents listed here do not apply to Accumulation, Defined Benefit, Retained, Spouse members or Casual Alcoa employees.

The PDS and Guides are available at australianretirementtrust.com.au/pds
The forms are available at australianretirementtrust.com.au/forms

Casual Alcoa employees, Former employees, and Spouse members

The information and documents contained on this site are unique to your Australian Retirement Trust plan.

However some links may take you to the Australian Retirement Trust public site which contains general information that may be relevant to you but does not take into consideration your plan-specific arrangements.

The documents listed here do not apply to Accumulation, Defined Benefit, or Pension members.

The PDS and Guides are available at australianretirementtrust.com.au/pds
The forms are available at australianretirementtrust.com.au/forms

Deals and discounts on household brands

You can get thousands of exclusive deals and discounts with our member Rewards program. Save big on a wide range of household brands, like Coles, Woolworths, JB Hi-Fi and more.

Save now

Create your own ripple effect

Dropping additional contributions into your super is like throwing a stone in a pond — the earnings on your investment options stay invested, and they generate earnings, which can expand over time.

Make a splash into your super by adding more into your super now.

Add to your super

Market watch with Australian Retirement Trust's Chief Economist

Get the latest on the economy and market, as well as the management and performance of Australian Retirement Trust's investment options from our Chief Economist Brian Parker.
Market watch

#1 performing super growth option

We're focused on growing your super over the long term. Our High Growth option delivered 9.58% p.a. over the 10 years to 31 December 2024 and we’ve outperformed the industry median over 1, 3, 5, 7, and 10 years.1

Past performance is not a reliable indicator of future performance. High Growth Option over 10 years to 31 December 2024. SuperRatings Fund Crediting Rate Survey – Growth (77-90) Category, 31 December 2024.1

1. Past performance is not a reliable indicator of future performance. Source: SuperRatings Fund Crediting Rate Survey - SR50 Growth (77-90) Index and Growth (77-90) category, 31 December 2024. Returns are after investment fees and costs, transaction costs and investment taxes, but before administration fees. The High Growth option has identical investments to the High Growth Pool in the Lifecycle Investment Strategy. Individual returns may vary. The High Growth option commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper Growth option. To show the returns for the High Growth option, we have used returns for the Sunsuper option up to this date. Products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the relevant product disclosure statements and TMDs before deciding.
Explore our investment options

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