Advice for your Australian Retirement Trust account.

QSuper merged with Sunsuper on 28 February 2022 to form Australian Retirement Trust. The QSuper brand continued for the Government Division, so Queensland Government employees and their families still use QSuper products, login and the QSuper website — now as part of ART. QSuper accounts and the Lifetime Pension sit in the Government Division; Super Savings accounts sit in the Public Offer Division. ART’s merger guide says all QSuper members became ART members after the merger, and “QSuper is part of ART” (ART merger guide, checked August 2026).

Sunsuper merged with QSuper on 28 February 2022 to form Australian Retirement Trust. Sunsuper members’ accounts transferred to ART that day, and from 1 July 2022 the Sunsuper product name became Super Savings. You log in to ART Member Online with the same details; you don’t need a new account. ART describes Super Savings as the public-offer product, with USI 60 905 115 063 003 (ART merger guide and important-numbers page, checked August 2026).

ART announced on 20 November 2023 that it had completed the first tranche of its merger with the $12.3 billion Commonwealth Bank Group Super plan, welcoming 63,700 members — ART’s largest corporate transition at the time. That tranche covered Accumulate Plus, Retirement Access and defined benefit entitlements other than lifetime pensions. The remaining defined benefit lifetime pension entitlements (about $2 billion and 3,700 members) transferred in a second tranche that completed on 26 October 2024; a small number of Division B lifetime pension members were offered a transfer to the Commonwealth Bank of Australia (UK) Staff Benefits Scheme instead.

Qantas Super merged into Australian Retirement Trust on 29 March 2025, moving around $9 billion and 25,000 members. ART set up a dedicated Qantas Group Super Plan and a Qantas Group Superannuation Committee. We have a separate page for members of the former Qantas Super arrangement.

The Australia Post Superannuation Scheme merged into Australian Retirement Trust on 30 April 2022. ART set up a dedicated Australia Post corporate plan, kept the defined benefits, and those benefits are still funded by Australia Post. Accumulation balances moved into comparable ART investment products. If that’s your plan, see our Australia Post defined benefit page.

ART announced on 7 May 2024 that it had successfully merged with AvSuper. More than 4,800 members and $2.43 billion transferred to ART — ART’s fourth successor fund transfer that financial year (ART media release, 7 May 2024).

They’re two divisions of the same fund. Super Savings is the public-offer product (the former Sunsuper range) with USI 60 905 115 063 003. QSuper is the Government Division brand that continued after the 28 February 2022 merger — QSuper accounts and the Lifetime Pension sit there, and QSuper publishes two USIs ending in 001 and 002 depending on the employer. The fund ABN for both is 60 905 115 063. ART and QSuper both say you use the QSuper USI if you have a QSuper account, not the Super Savings one (ART important-numbers page and qsuper.qld.gov.au, checked August 2026).

The Super Savings USI is 60 905 115 063 003. The fund ABN is 60 905 115 063. If you hold a QSuper account, ART says to use the QSuper USI instead — QSuper publishes one ending in 001 for employers that don’t have QSuper as default, and one ending in 002 for typical Queensland Government default employers. Use the USI that matches the account you hold — incorrect details can delay a contribution or rollover (ART important-numbers page and Super Fund Lookup, checked August 2026).

For Super Savings, ART publishes admin fees of $1.10 a week ($57.20 a year) plus 0.10% a year on the first $500,000 of your balance, capped at $500 a year — so the most ART says it will charge for admin fees and costs per account is $557.20. On a $50,000 Super Savings Lifecycle account invested 100% in the High Growth Pool at the start of the 2026-27 financial year, ART’s example cost of product is $417.20, made up of that admin plus investment fees and costs of 0.51% and transaction costs of 0.05%. Those figures are from ART’s fees page, checked 16 August 2026; insurance premiums are extra, and QSuper and corporate plans use their own documents.

ART is a profit-to-member fund formed on 28 February 2022 when QSuper and Sunsuper merged; it says it doesn’t pay shareholders. ART describes itself as taking care of over $370 billion for 2.4 million members (ART merger guide, checked August 2026). Its High Growth option returned 10.07%* a year over the 10 years to 30 June 2026, and High Growth isn’t the default Lifecycle Investment Strategy. Past performance is not a reliable indicator of future returns. Whether it stacks up for you turns on which division or corporate plan you hold, the fees on that option, and whether insurance still fits.

Eligible Super Savings members can get Standard Death and TPD Assist automatically when they join, without health checks. ART says you can opt in early if you’re under 25 or your balance is under $6,000. Income Protection is a separate opt-in. Corporate plans and QSuper use their own insurance rules, so the cover on a Qantas, Australia Post or QSuper account is the one in that plan’s guide, not the Super Savings default (ART insurance pages, checked August 2026).

When one fund transfers members to another, the law requires the new fund to provide equivalent rights. In the Australia Post case the defined benefits were kept and are still funded by Australia Post. QSuper Defined Benefit accounts continue under QSuper rules inside ART’s Government Division — QSuper says that account closed to new members on 12 November 2008. The practical details of how and when you can take the benefit are still worth confirming for your own position.

That depends on which part of ART you’re in. For an ordinary Super Savings accumulation account it’s a timing question: any pay still coming in, your Age Pension, and how long the money has to last. For a corporate plan or a defined benefit it’s barely a timing question at all — it’s an election, a formal choice you make once, the scheme rules set when you can make it, and it’s usually not reversible. Get that modelled first and the accumulation account second.

Yes. We can advise on the ART account you already hold, including Super Savings, QSuper and the corporate plans. If you’re happy with it, there’s often no reason to move — and we’ll say so. If you’re not sure it still stacks up, we specialise in industry, government and corporate super and can benchmark it against five leading comparable funds so you know exactly where it stands. If it holds up, you’ll know you’re fine. If it doesn’t, we can help you weigh a move and handle it properly — insurance, timing and tax included.

Nothing. It’s a free half hour. Tell us what you’d like to discuss and we’ll explain if and how we can help, including any fees, before you decide to go ahead.