Australian Retirement Trust
Australian Retirement Trust Lifecycle Investment Strategy
To 30 June 2026, Australian Retirement Trust Lifecycle Investment Strategy returned 8.58% a year over 10 years to a member with $50,000, after fees and taxes, against a median of 8.03% across MySuper products: 9th highest of 45. It charged $365 a year in total fees on a $50,000 balance (median $410), 14th lowest of 50, and passed APRA's 2026 performance test.
To 30 June 2026, for a $50,000 member. MySuper median 8.03%.
- Fees on $50,000
- $365median $410
- Members' accounts
- 1,472,450
- Assets
- $109.3 billion
- Growth assets
- 91%
Returns a year, against the MySuper median
After fees and tax, for a $50,000 member, to 30 June 2026, for its Less than 50 stage.
- 3 years9.95%9.93%
- 5 years7.57%6.90%
- 7 years7.88%7.42%
- 10 years8.58%8.03%
Fees at each balance, against the median
Total fees and costs a year, as a share of the balance and in dollars, for the same stage.
- $10,0001.23% $1231.23% $123
- $25,0000.86% $2150.91% $228
- $50,0000.73% $3650.82% $410
- $100,0000.67% $6700.77% $770
- $250,0000.63% $1,5750.75% $1,875
What a $50,000 member earned, after fees and tax
For its Less than 50 stage, 91% in growth assets, the stage with the most growth assets. Every stage is listed below.
| A year over | This product | MySuper median | Difference | Against its benchmark |
|---|---|---|---|---|
| 3 years | 9.95% | 9.93% | up 0.02 | down 0.46 |
| 5 years | 7.57% | 6.90% | up 0.67 | up 0.69 |
| 7 years | 7.88% | 7.42% | up 0.46 | up 0.57 |
| 10 years | 8.58% | 8.03% | up 0.55 | up 0.72 |
Differences are in percentage points a year. "Against its benchmark" compares the return before administration fees with APRA's benchmark portfolio built from this product's own mix of assets: above zero means its investment choices added value.
What it charges at five balances
| Balance | Administration | Total fees and costs | MySuper median total |
|---|---|---|---|
| $10,000 | $720.72% | $1231.23% | $123 |
| $25,000 | $870.35% | $2150.86% | $228 |
| $50,000 | $1100.22% | $3650.73% | $410 |
| $100,000 | $1600.16% | $6700.67% | $770 |
| $250,000 | $3000.12% | $1,5750.63% | $1,875 |
A year, as APRA calculated them for 2026. Total fees and costs add investment and transaction costs to administration; insurance premiums are not included. Lifecycle fees are for the stage shown above.
Australian Retirement Trust Lifecycle Investment Strategy passed in 2026, 2025 and 2024
- 2026Passed
- 2025Passed
- 2024Passed
Its 2026 test measure, among all 49 MySuper products measured
The further right, the more a product beat the benchmark built from its own investments. Hover or tap a dot for its name.
Met APRA's benchmark. Its 2026 test measure was +0.74% a year over 10 years: its return against APRA's benchmark, adjusted for how its administration fees compare. -0.50% or lower fails.
Earlier years match on fund and product name, so a product that has been renamed shows no earlier result. Every 2026 result.
Members move through these 17 stages as they age
| Stage | Growth assets | 3 yrs | 5 yrs | 10 yrs | Fees on $50k |
|---|---|---|---|---|---|
| Less than 50Shown above | 91% | 9.95% | 7.57% | 8.58% | $365 |
| Age 54 to 55 | 82% | 9.49% | 7.30% | 8.45% | $355 |
| Age 53 to 54 | 84% | 9.59% | 7.36% | 8.48% | $360 |
| Age 52 to 53 | 86% | 9.70% | 7.42% | 8.51% | $360 |
| Age 51 to 52 | 88% | 9.80% | 7.48% | 8.54% | $365 |
| Age 50 to 51 | 90% | 9.90% | 7.54% | 8.57% | $365 |
| Age 55 to 56 | 80% | 9.33% | 7.18% | 8.32% | $355 |
| Age 56 to 57 | 79% | 9.14% | 7.02% | 8.09% | $350 |
| Age 57 to 58 | 77% | 8.95% | 6.86% | 7.86% | $350 |
| Age 58 to 59 | 75% | 8.76% | 6.69% | 7.64% | $345 |
| Age 59 to 60 | 73% | 8.57% | 6.53% | 7.41% | $345 |
| Age 60 to 61 | 71% | 8.39% | 6.38% | 7.19% | $340 |
| Age 61 to 62 | 70% | 8.24% | 6.24% | 6.98% | $340 |
| Age 62 to 63 | 68% | 8.09% | 6.10% | 6.76% | $335 |
| Age 63 to 64 | 66% | 7.94% | 5.96% | 6.55% | $330 |
| Age 64 to 65 | 65% | 7.79% | 5.82% | 6.33% | $325 |
| Age 65 and over | 64% | 7.72% | 5.76% | 6.23% | $320 |
Returns a year to 30 June 2026, after fees and taxes, for a $50,000 member, as APRA reports them for each stage.
About this product
- Fund
- Australian Retirement Trust
- Trustee
- Australian Retirement Trust Pty Ltd
- Type
- Material goodwill MySuper: a merged fund's brand kept as its own product
- Offer
- Public offer
- APRA's product name
- Lifecycle Investment Strategy
APRA does not publish fund websites or disclosure documents. Your annual statement and the fund's product disclosure statement have the full fee and insurance details.
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Questions about Australian Retirement Trust Lifecycle Investment Strategy
- Did Australian Retirement Trust Lifecycle Investment Strategy pass the 2026 performance test?
- Australian Retirement Trust Lifecycle Investment Strategy passed APRA's 2026 performance test, with a test measure of +0.74% a year against a fail line of -0.50%. Earlier results: 2024 passed, 2025 passed.
- What are Australian Retirement Trust Lifecycle Investment Strategy's fees?
- APRA's 2026 figures put its total fees and costs at $123 a year on $10,000, $215 a year on $25,000, $365 a year on $50,000, $670 a year on $100,000 and $1,575 a year on $250,000. Administration fees are $110 of the $365 on $50,000. Insurance premiums are extra.
- What has Australian Retirement Trust Lifecycle Investment Strategy returned?
- For a member with $50,000, after fees and taxes, to 30 June 2026: 9.95% a year over 3 years, 7.57% a year over 5 years, 7.88% a year over 7 years and 8.58% a year over 10 years, for its Less than 50 stage. Past returns do not predict future ones.
Source: Australian Prudential Regulation Authority (APRA), Comprehensive Product Performance Package 2026: data to 30 June 2026, published 28 August 2026. Licensed under CC BY 4.0 and normalised by The Finance Algorithm, which shows APRA's figures as percentages and dollars a year. APRA has not reviewed or endorsed this page.
General information only, not financial advice. Past performance is not a reliable indicator of future returns. Check your fund's product disclosure statement and your annual statement before you act, and consider whether advice suits your situation.