Advice for your Qantas Super arrangement.
If the merger letters went in a drawer, you’re not alone. Qantas Super moved to Australian Retirement Trust on 29 March 2025 as the Qantas Group Super Plan. We can help you review what carried across, how your account is set up and the options available for retirement.
What happened to Qantas Super in 2025?
The Qantas Group Super Plan continues within Australian Retirement Trust.
On 29 March 2025 Qantas Super completed its transfer into Australian Retirement Trust, moving around $9 billion and 25,000 members. ART established a dedicated Qantas Group Super Plan, along with a Qantas Group Superannuation Committee to keep a focus on Qantas Group employees.
When one fund transfers members to another, the law requires the new fund to provide equivalent rights. So this wasn’t a reset of what you had. It’s a natural checkpoint, and the members we speak to often find they haven’t reviewed anything since well before the merger was announced.
If you held a defined benefit through Qantas Super, that’s worth looking at specifically. A defined benefit isn’t a balance that moves with markets, and generic retirement advice doesn’t handle it well.
Where are you up to?
Choose the option closest to where you’re now. You can change it whenever you like.
If you’re between stages, choose either one to begin. You can change your selection at any time.
The last few working years
If you hold a defined benefit from your Qantas Group service, it now matters more than anything in your accumulation account. The two have to be looked at together, because what you do with one changes the best use of the other.
Additional concessional contributions may include unused amounts carried forward from earlier years, subject to your total super balance and the time limits that apply.
At the decision point
The merger into ART in March 2025 changed the administrator, not the arithmetic of whether you can afford to stop. What decides that’s your spending, your other assets and how long the money has to last.
If you hold a defined benefit, this is where its payout rules matter most — most Qantas plan divisions pay lump sums, and how yours crystallises depends on your division and timing under the plan documents.
Already drawing on it
Your drawing rate, investment mix and spending order can all be adjusted as circumstances change. What suited the first year of retirement often doesn’t suit the fifth.
If you’re still picking up contract or part-time work, that affects your tax and what Centrelink counts. Check the yearly amount against what you actually spend, and re-read your beneficiary nomination if you haven’t looked at it since before the merger.
What members ask us
What happened to Qantas Super?
It 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 was formed so the plan still has a Qantas Group employee focus.
Where is my Qantas Super account now?
It’s in ART Member Online. Log in at australianretirementtrust.com.au with your email or member number, or call 13 11 84 if you haven’t set access up yet.
Did I lose my defined benefit when Qantas Super merged?
No. It transferred into ART’s dedicated Qantas Group Super Plan on 29 March 2025. A successor fund transfer requires equivalent rights, so it wasn’t turned into an ordinary accumulation balance. ART described itself as one of the largest defined benefit providers when it took the plan on, and it publishes a Qantas Group Super Plan actuarial review. Confirm the formula and your own estimate with ART.
Did the merger change what I had?
A successor fund transfer has to give you equivalent rights, so the merger wasn’t a wipe of what you held. How and when you can take the benefit is still worth confirming for your own position.
I had a defined benefit. Does it still work the same way?
A defined benefit is worked out by formula from salary and service rather than from an investment balance, which is why it doesn’t fall when markets do. Confirm the specifics of your own entitlement with the fund — and if the numbers matter to a decision you’re about to make, get them modelled.
How do I contact the Qantas Group Super Plan?
Australian Retirement Trust is the fund and trustee, with administration provided within the ART group. Call ART on 13 11 84, 8am–7:30pm AEST Monday to Friday, or use the contact options on australianretirementtrust.com.au. ART said its member services team supports former Qantas Super members in person, on the phone and online.
How do I compare the Qantas Group Super Plan with another fund?
Start with the plan you actually hold — a dedicated Qantas Group Super Plan inside ART, which may include a defined benefit as well as an accumulation account. 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 after the merger, Guideway specialises in industry, government and corporate super funds 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.
When should I start a pension?
The merger didn’t change the answer. What still decides it’s any pay you’re still earning, your Age Pension, and how long the money has to last.
If you hold a defined benefit, it's worth understanding how and when your division pays out before you set a date — most Qantas plan benefits are paid as lump sums, and ART's retirement income products are a separate step. The plan documents govern what can and can't be changed.
Can you advise me without changing funds?
Yes. We can advise on the Qantas Group Super Plan account you already hold. If another option is relevant, we’ll explain why and compare it with your current arrangement before recommending a change.
What does a first conversation cost?
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.
We’re not owned by a bank, super fund or insurer.
Guideway is a separate advice firm that specialises in industry, government and corporate super — including corporate plans like this one.
Advice with an open outcome
We might say keep the plan, change a setting, or look at another option. We don’t decide that before we hear you.
Help with the details
If you don’t have every statement to hand, we can help gather what the advice needs.
A team you can talk to
Your adviser can explain the work, answer questions and keep you updated as the advice progresses.
What happens next
Three steps. You can stop after the first one.
- 1. Book a free half hour
- Pick a time that suits. Video, phone, or in person in Melbourne.
- 2. We listen
- You tell us what’s on the statement and what’s worrying you. We’ll say honestly if and how we can help.
- 3. You decide
- There’s no obligation. If you go further, you’ll know any fees before work starts.
Ready to talk?
You’ll speak with Nareena Aracas or one of her team. The half hour is free. If we take it further, you’ll see the fee before you agree to anything.
About our adviser team
Nareena Aracas leads the Guideway Wealth advice practice, supported by a broader team of advisers.
- Nareena AracasSenior Financial Planner · Authorised Representative no. 398311
- Scott NanfroSenior Financial Planner in the broader adviser team · Authorised Representative no. 1255832
Authorised Representatives of Guideway Financial Services Pty Ltd ABN 46 156 498 538, AFSL & ACL 420367. Ask us for a Financial Services Guide at any time.