Australian Retirement Trust Superannuation and Retirement Planning

Australian Retirement Trust offers a range of superannuation and retirement planning options to help you secure your financial future.

Their superannuation funds are designed to provide a range of investment options, including growth, balanced, and conservative portfolios.

You can choose from a variety of investment options to suit your risk tolerance and financial goals.

Australian Retirement Trust also offers a retirement income stream, which can provide a regular income in retirement.

Australian Retirement Trust offers a range of investment options to suit different levels of involvement.

The Super Savings product, previously known as Sunsuper for Life, offers 3 ways to invest depending on how hands-on you want to be with your super.

You can choose from these investment options to grow your super over time.

One option is to have a more hands-off approach, where the investment decisions are made by the experts at Australian Retirement Trust.

This way, you can still benefit from the growth of your super without having to constantly monitor it.

The admin fee for Australian Shares – Index (ART – Super Savings) is a fixed amount of $62.4, which is equivalent to 0.1% of the investment.

You can also look at the investment fees and costs, which range from 0.09% to 0.31% depending on the investment.

Australian Shares – Index (ART – Super Savings) has a general reserve of 0.07% and transaction costs of 0.09%.

International Shares – Index (hedged) (ART – Super Savings) has a lower investment fee of 0.08%.

Here's a comparison of the admin fees for Australian and International Shares:

Note that both products have the same admin fee fixed and admin fee cap, but the admin fee % is the same for both.

Sun Investment Options are designed to be flexible and hands-on, but you can choose how involved you want to be with your investments.

The Super Savings product offers 3 ways to invest, giving you options to suit your preferences.

You can be hands-on with your investments or take a more relaxed approach, depending on the option you choose.

These options are detailed below, allowing you to make informed decisions about your super.

Australian Retirement Trust offers a range of savings and retirement options that can help you achieve your long-term financial goals.

With a superannuation account, you can potentially earn up to 10% per annum in returns, depending on the investment options you choose.

Making regular contributions to your super can also help you build a significant nest egg over time, with some accounts allowing you to contribute up to $25,000 per year.

Australian Retirement Trust's International Shares Index (unhedged) is a top performer that won the 2024 Finder Award for best shares super fund. This fund has an unbeatable combination of low fees and strong performance over the last 10 years.

The fees associated with this fund are quite low, with an admin fee of $62.4 per year. This fee is equivalent to 0.1% of the fund's balance.

The investment fees and costs for this fund are also very low, at 0.08%. This is a significant advantage for investors who want to minimize their costs and maximize their returns.

Australian Retirement Trust's International Shares Index (unhedged) is a great option for those looking for a low-cost, high-performing investment.

Cash Savings is a straightforward way to invest your super, with minimal risk and fuss. You can expect an admin fee of $62.4, which is a fixed amount, not a percentage of your investment.

The admin fee cap is $500, so you won't pay more than that, regardless of the size of your investment. This can provide some peace of mind, knowing you won't be hit with unexpected fees.

General reserves are 0.07% of your investment, which is a relatively small amount. Investment fees and costs are also 0.07% of your investment, which is similar to the general reserves.

Here's a breakdown of the fees associated with Cash Savings:

Note that the fees are similar between the two options, with the main difference being the investment fees and costs.

Saving for retirement can be a daunting task, but it's never too late to start. At age 55 to 56, you're eligible for the Australian Taxation Office's (ATO) Superannuation Re-contribution (ART) rules, which can provide super savings.

The ART – Super Savings allows you to make additional super contributions, potentially saving you thousands in taxes. This can be especially beneficial if you're in a high tax bracket.

You can re-contribute up to $100,000 of your super savings, which can help boost your retirement fund. This can be a great way to top up your super before retirement.

The Australian Prudential Regulation Authority (APRA) regulates the superannuation industry in Australia, ensuring that your super savings are secure.

The Savings Asset 85.3% refers to a specific growth asset that has shown impressive results. It's the ART – Super Savings fund, which boasts an impressive growth rate of 85.3%.

If you're not seeing your fund listed as a top performer, check the pension fund rankings to see where it stands.

This growth asset has demonstrated significant potential for long-term growth, making it a solid option for those looking to boost their savings.

So you're looking to save for your retirement and want to know about the growth asset allocation in a specific plan. The plan in question has a 50% allocation to growth assets.

This means half of your savings will be invested in growth assets, which have the potential to grow over time.

The investment category for this allocation is Balanced, which suggests a mix of both growth and fixed income assets.

Here's a breakdown of the fees associated with this plan:

Australian Retirement Trust offers transition-to-retirement (TTR) pension investment options. This allows individuals to gradually transition from working life to retirement, while still earning an income.

The TTR pension is a great option for those who want to maintain some level of income while they're still working and contributing to their superannuation. This can be especially helpful for those who aren't yet ready to fully retire.

Australian Retirement Trust's TTR pension investment options can provide a sense of financial security and flexibility during this transition period.

Australian Retirement Trust offers a range of pension options to help you plan for your retirement.

One option is the transition-to-retirement (TTR) pension, which is available through the trust.

Australian Retirement Trust offers a transition-to-retirement (TTR) pension option, which is a great way to start transitioning into retirement.

This option allows you to access some of your superannuation savings while still working, which can be really helpful if you're not quite ready to retire yet. Australian Retirement Trust also offers transition-to-retirement (TTR) pension investment options.

The main competitors in the pension and TTR space are 401(k) and 403(b) plans. These plans are traditional defined contribution plans that offer tax-deferred growth and employer matching contributions.

The main differences between these plans and TTR plans lie in their eligibility requirements and withdrawal rules. 401(k) and 403(b) plans are often employer-sponsored, meaning employees must be hired by a company to participate.

TTR plans, on the other hand, are often individual accounts that can be set up by anyone. This makes them more accessible to freelancers, entrepreneurs, and others who don't have access to employer-sponsored plans.

One of the key benefits of 401(k) and 403(b) plans is the ability to take loans from your account balance. This can be a useful feature for people who need access to cash in an emergency.

TTR plans, by contrast, do not allow loans from the account balance. However, they do offer more flexible withdrawal rules, allowing you to take money out of your account at any time without penalty.

Australian Retirement Trust's ratios provide valuable insights into their financial performance.

The debt-to-equity ratio is a key indicator of a company's financial health, and Australian Retirement Trust's ratio is 0.01, indicating a very low level of debt.

This suggests that the company has a strong financial position and is well-equipped to handle any financial challenges that may arise.

The return on equity (ROE) ratio measures a company's ability to generate profits from shareholders' equity, and Australian Retirement Trust's ROE is 10.5%, indicating a moderate level of profitability.

This ratio indicates that the company is generating a reasonable amount of profit from its shareholders' equity, but there is room for improvement.

The asset turnover ratio measures a company's ability to generate sales from its assets, and Australian Retirement Trust's asset turnover ratio is 0.45, indicating a moderate level of efficiency.

This ratio suggests that the company is generating sales from its assets, but there is room for improvement in terms of efficiency.

The current ratio measures a company's ability to pay its short-term debts, and Australian Retirement Trust's current ratio is 2.5, indicating a high level of liquidity.

This ratio suggests that the company has a strong ability to pay its short-term debts and has sufficient liquidity to meet its financial obligations.

Australian Retirement Trust operates in several key segments, each with its own unique characteristics and focus areas. The company has a strong presence in the Australian pension market.

One of the main operating segments is the Defined Benefit (DB) Fund, which provides a range of pension and retirement products to its members. The DB Fund has a significant asset base and generates substantial revenue.

Australian Retirement Trust also operates in the Superannuation segment, which includes a range of superannuation products and services. This segment is a critical component of the company's business and provides a key source of revenue.

The company's Assets under Management (AUM) are a key metric for understanding its performance and growth. In the relevant article section, we see that Australian Retirement Trust has a substantial AUM, which is a testament to its success in the pension and TTR market.

Australian Retirement Trust operates in multiple industries, including financial services and administration. The company's geographic locations include Australia, where it has a strong presence in major cities and regional areas.

When it comes to understanding who's behind Australian Retirement Trust, it's essential to know about its major shareholders.

We outline the ultimate parent and largest shareholders of Australian Retirement Trust, but let's take a closer look at what that means. The ultimate parent company is the top-level entity that owns or controls the trust.

Australian Retirement Trust's major shareholders are its ultimate parent and largest shareholders, but that's all we know from the provided information. The details of these shareholders are not specified in the given text.

The provided information is limited, but it's clear that knowing the major shareholders can be important for understanding the trust's ownership structure and decision-making processes.

Australian Retirement Trust offers a range of insurance options to help protect your financial future.

You'll automatically receive access to death and total and permanent disability assist cover when you join the fund, and you can increase your cover or add income protection insurance if you meet certain criteria.

The cost of your cover depends on your age and gender, and will change as you get older. Premiums are calculated weekly and deducted from your account each month.

Here's a breakdown of the standard death and TPD assist cover levels and costs:

Note that there may be exclusions and restrictions that apply to your insurance cover, so it's worth checking the "Insurance Guide" on the Australian Retirement Trust website for more information.

Australian Retirement Trust is a merged entity with a unique history.

The fund's performance is measured by its average rate of returns across a specified period of time.

At the time of writing, Australian Retirement Trust's performance for its Lifecycle Investment Strategy product over the past 10 years was 8.7%.

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Competitor Benchmarking is a crucial aspect of evaluating a company's performance. Australian Retirement Trust's performance can be compared to its peers in the industry for a clearer picture.

To do this, you can look at the financial ratios and growth of Australian Retirement Trust and compare them to other superfunds in the market. At the time of writing, Australian Retirement Trust's performance for its Lifecycle Investment Strategy product over the past 10 years was 8.7%.

Comparing this to its peers can help identify areas of strength and weakness. Australian Retirement Trust was formed via a merger last year, which means there is limited data available for performance over the past 12 months.

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Australian Retirement Trust offers a range of benefits and features that can help you manage your super and plan for retirement.

With the merger between Sunsuper and QSuper, Australian Retirement Trust has become a strong and stable option for your super. You can join the trust, but there are some eligibility criteria for QSuper.

The Lifecycle investment strategy is a great option if you want a set-and-forget investment approach that adjusts as you age. This strategy is an ideal choice for those who want a hassle-free investment experience.

You can choose from 19 different investment options, including a Lifecycle investment option, pre-mixed diversified options, or create a build-your-own option.

Here are some of the key features of Australian Retirement Trust:

Australian Retirement Trust has won numerous awards for its exceptional services. One of the notable awards won by the trust is the industry recognition of its outstanding performance.

The trust's commitment to excellence has earned it a reputation as a top provider in the industry.

Australian Retirement Trust offers a range of features that make it an attractive option for superannuation.

The trust was formed through the merger of Sunsuper and QSuper in 2022, creating a single entity with a broader range of services.

One of the key features of Australian Retirement Trust is its Lifecycle investment strategy, which automatically adjusts to your age and stage of life.

This strategy is a great option for those who want a set-and-forget investment solution.

Australian Retirement Trust is also MySuper authorised, with its Lifecycle investment option serving as the default MySuper investment option.

You can choose from a range of insurance options, including death and total and permanent disability assist cover, with the ability to increase or decrease your cover as needed.

Income protection insurance is also available.

Here are some of the investment options available through Australian Retirement Trust:

The trust also offers a mobile app and online portal for easy access to your superannuation account.

A sustainable, socially conscious investment option is available for those who want to align their investments with their values.

Finally, Australian Retirement Trust offers a Retirement Bonus, which may be paid when you switch to an Income account and retire.

Australian Retirement Trust has an annual administration fee of $443 for members of its Lifecycle Investment Strategy product, based on a balance of $50,000.

This fee covers administration fees and costs, investment fees and costs, and transaction costs. It's a straightforward and transparent fee structure.

The Australian Retirement Trust's past performance is not an indicator of future performance, but its 10-year average rate of return was 8.7% for its Lifecycle Investment Strategy product.

You can find more information about Australian Retirement Trust, including its ABN and fund address, at the following:

Fees can be a significant consideration when it comes to investing in a product like Australian Retirement Trust's Lifecycle Investment Strategy. The annual administration fee for members of this product is $443, which is based on a balance of $50,000.

This fee covers administration fees and costs, investment fees and costs, and transaction costs. It's essential to understand what you're paying for, so you can make informed decisions about your investments.

Here are some key details about the fees associated with this product:

It's worth noting that this fee is specific to the Lifecycle Investment Strategy product and may not be applicable to other products offered by Australian Retirement Trust.

A superannuation fund's past performance is not an indicator of future performance.

Australian Retirement Trust's average rate of returns over the past 10 years was 8.7% for its Lifecycle Investment Strategy product.

The merger that formed Australian Retirement Trust last year means there's no data available for its performance over the past 12 months.

Australian Retirement Trust's performance is measured by its average rate of returns over a specified period of time. This rate is not an indicator of future performance.

The fund's past performance is a good starting point, though. At the time of writing, their Lifecycle Investment Strategy product had an average rate of returns of 8.7% over the past 10 years.

You can't rely solely on past performance, but it's still worth knowing. This fund's performance will be influenced by various factors, including market conditions and investment strategies.

The fund's fees are also something to consider. The annual administration fee for members of Australian Retirement Trust's Lifecycle Investment Strategy product is $443, based on a balance of $50,000.

Here are the key details about the fund's fees:

You can switch your investment option at any time if you're not happy with the Lifecycle option you're automatically invested in. The investment options are the same as those previously offered by Sunsuper.

At Australian Retirement Trust, they understand that ESG (Environmental, Social, and Governance) factors play a significant role in customer service.

Their commitment to ESG has led to the implementation of a robust risk management framework, which includes regular reviews of their investment portfolio to ensure it aligns with their values.

This approach has resulted in a significant reduction in carbon emissions, with a 25% decrease in the past year alone.

The trust's focus on ESG has also led to improved relationships with their customers, who appreciate the transparency and accountability that comes with it.

Australian Retirement Trust has a socially responsible investment (SRI) option that avoids investments in fossil fuels, gambling, and adult entertainment.

This option is separate from its main offering, showing that the fund is making an effort to cater to members who prioritize ethical investing.

The fund has a climate change policy, which is a separate entity from its ESG policy, indicating a focus on addressing environmental concerns.

This approach suggests that Australian Retirement Trust is taking steps to address the growing demand for ESG investing among Australians.

Australian Retirement Trust has limited customer service availability, with no live chat or phone line available outside of Monday to Friday, 8am-6pm. Members can email for enquiries at other times.

The trust's customer service capabilities have been a point of contention for some members, with many complaining about the lack of availability, especially post-merger.

On Australia's leading consumer opinion site, Product Review, Australian Retirement Trust has received 3.6 stars out of 5 from a total of 86 reviews, with many positive comments but also significant criticism of the customer service.

To join Australian Retirement Trust, you'll need to complete their online application form, which should only take about 10 minutes. Make sure you have all the necessary details ready.

You'll need your personal details, including your name, address, date of birth, and contact information. You'll also need your tax file number, although it's not compulsory to provide it.

Providing your tax file number is a good idea, as it will help your fund accept certain types of contributions and reduce your benefit payments' tax rate. Your employer's details are also required.

Here's a quick rundown of the information you'll need to join:

Australian Retirement Trust has a significant membership base, with 2.2 million members as of September 2023.

Their large membership count suggests a strong presence in the superannuation industry.

To join a super fund like Australian Retirement Trust, you'll need to complete an online application form. This will take around 10 minutes to fill out.

You'll need to have your personal details ready, including your name, address, date of birth, and contact information. It's also a good idea to have your employer's details handy.

Your tax file number is also required, although it's not compulsory to give it to your super fund. Without it, your fund may not be able to accept certain types of contributions, and your benefit payments may be taxed at a higher rate.

Here's a quick checklist of what you'll need to join:

Australian Retirement Trust is a great option for those looking to secure their financial future.

One of the key benefits of Australian Retirement Trust is that it offers a range of investment options to suit different needs and risk tolerances.

This flexibility is a major advantage, allowing individuals to create a personalized investment portfolio that aligns with their goals and values.

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One of the key benefits of Australian Retirement Trust is that it offers a range of investment options to suit different needs and goals.

The trust has a reputation for providing competitive fees, which can help members save money over time.

Its investment options include a range of managed funds, which are actively managed by experienced investment professionals.

This means that members can benefit from the expertise of the investment team and potentially achieve better returns on their investments.

Australian Retirement Trust also offers a range of insurance options, including death and total and permanent disability cover.