_{1. Ratings and awards are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance.}

_{2. The Australian Retirement Trust QSuper Balanced option (Retirement Income account) has kept the same key features and investment strategy post-merger. Past performance is not a reliable indicator of future performance. Returns shown are based on disclosed unit prices and are compound annualised return, net of fees and tax. See unit prices for more information. See how the QSuper investment options have performed.}

_{3. Based on the Balanced investment option. Get full details in the SuperRatings Fundamentals report. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2023 SuperRatings. All rights reserved.}

_{4. Australian Retirement Trust was formed through the merger of QSuper and Sunsuper on 28 February 2022.}