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Registering a Default Fund With Beam
What is a Default Super Fund?

How to Complete the Beam On-boarding Wizard

To complete the Beam onboarding process, you will need to select at least one super fund as your default fund.

Registering a default super fund with Beam allows you to automatically create new member accounts for employees who don’t choose a super fund.

You must ensure you have registered with your default super fund/s as a participating employer (sometimes called a ‘standard employer-sponsor’) in order to create new member accounts with them.

If you select Australian Retirement Trust as your default fund, you can register as a participating employer with  Australian Retirement Trust in the Beam Wizard. Before you choose Australian Retirement Trust as your default fund, it’s important to read the Australian Retirement Trust Super Savings Product Disclosure Statement (PDS) and guides, as these include important information about the product your employees will be acquiring, including the fees, investment strategy, insurance and more. The PDS and guides are available at

Before you offer your employee the option to choose a super fund, you must nominate a fund that you will pay their super into if they can’t or don’t choose their own fund. This fund is your employer-nominated fund (also known as a default fund).Your default fund needs to be a complying fund that meets specific requirements and obligations under super law and must be authorised by the Australian Prudential Regulation Authority (APRA) to offer a MySuper product.

MySuper was introduced by the Federal Government as part of its Stronger Super reforms and was designed to give consumers access to a simple, low-fee super product that is easy to compare across super funds.

If you’ve chosen Australian Retirement Trust as your default fund you can rest assured that Australian Retirement Trust meets all of these requirements.

As well as choosing a fund you think is best placed to meet the needs of your employees, you should consider your objectives, circumstances and needs, and consider getting financial or other professional advice, before making a decision. You should read the Product Disclosure Statement before deciding whether to acquire, or continue to hold, any financial product.

Step 1. Your details

Your details will be pre-filled from the information in your payroll system. It’s important that you check all your details are correct including your:
• business details,
• registered business address, and
• contact details.

To update your business details, select the business identifier type from the dropdown list and simply enter in any change of details that you require.

To make changes to other fields, simply type over the existing content.

When you’re satisfied your details are correct, click “Next” to proceed to the next screen.


Step 2. Payment method

Beam offers multiple payment methods including:
• EFT,
• BPay,
• Direct Debit, and
• Direct to fund.

The payment methods available to you will automatically appear and may vary based on your payroll system.

Adding or removing a Direct Debit account

To add a Direct Debit account, click on “add another” then add:
• the BSB,
• account number, and
• account name.

Click on the “Save” button and a new Direct Debit account will appear on the top of the screen.

To remove a Direct Debit account, click on the account, then select “Remove”. A confirmation dialogue box will appear, confirm your choice and the account will be removed.

Once your payment method is confirmed, click “Next” to proceed to the next screen.


Step 3. Default fund

To complete the Beam onboarding process you will need to select at least one super fund as your default fund. Click here to find out more about choosing a default fund.

In addition to selecting your default fund with Beam, you need to ensure you have registered with your chosen fund. You should read the PDS before deciding whether to acquire, or continue to hold, any financial product. You may need to check relevant industrial awards and employment agreements to see if they oblige you to pay super contributions into a specified fund or limit the funds you’re able to choose as your default.


Adding default funds

Any default funds that have previously been added directly into your payroll prior to registering with Beam will auto-populate here.

If you haven’t added a default fund directly into your payroll prior to registering with Beam you will be directed to add a default fund.

If you would like to use Australian Retirement Trust as your default fund, click on the ‘Select Australian Retirement Trust’ button and you will be able to register as a participating employer.

If you would like to add an alternative or additional super fund, you can search for them using the “Search by” menu and searching by:
• “Fund name”,
• “USI” (Unique Superannuation Identifier) or
• “ABN” (Australian Business Number).

You can select multiple funds and your default super fund selection will appear in the upper portion of the screen.
If you make changes to your default super fund, be sure to provide your new employees with an updated standard choice form.

When sending contribution messages, Beam will send member registration messages for any new or updated employees linked to the default fund.

Removing a default fund

To remove an existing default super fund, simply click on the “X” next to the fund.

Beam will no longer send any member registration and update messages to that fund.

Registering as a Participating Employer with Australian Retirement Trust. Even if you haven’t selected Australian Retirement Trust as your default super fund, you might still like to join as a participating employer. This allows you to easily track payments to the fund and create new member accounts for members who may wish to join Australian Retirement Trust but haven’t completed an application themselves.

Becoming a participating employer is as easy as clicking “Please register me as an Australian Retirement Trust participating employer”. You’ll be directed to read the PDS.


Step 4. Terms and conditions

In the final step, you’ll need to accept the relevant Beam terms and conditions for your selection/s.

A link to the Beam PDS is included in the terms and conditions, which you should consider before acquiring the product.

If you have selected to join Australian Retirement Trust, you’ll also need to accept the Australian Retirement Trust participating employer terms and conditions.

Take a moment to review the details and then, if you are satisfied, accept the terms and conditions and click “Next” to finish.


Congratulations! You’ve completed the Beam registration process and can start making contributions right away

Head back to your payroll and you’ll notice the default fund or funds you’ve selected have now populated in the super settings. You can make changes to your super settings at any time by returning to the Beam wizard where you can update your payment method and your default fund.

Experience the Australian Retirement Trust difference

When you choose Australian Retirement Trust as your default super fund, your employees who don’t choose their own fund (or don’t have an existing stapled fund) can benefit from a range of features and benefits.

  • Lower administration fees – to keep more of their money working hard for them.
  • Strong investment performance1 – to help grow their balance.
  • Flexible insurance cover – to help protect them and their family.
  • Financial advice – access expert financial advice about your super account for no extra cost2
  • Rewards – offering discounts on shopping, fitness, entertainment and more!
  • Australian Retirement Trust app – packed with features to help your employees manage their super.

More details about the benefits Australian Retirement Trust offers to its members can be found in the Product Disclosure Statement (PDS)

Beam is issued by Precision Administration Services Pty Ltd (Precision), ABN 47 098 977 667, AFSL No. 246 604. Precision is wholly owned by Australian Retirement Trust Pty Ltd ABN 88 010 720 840, AFSL No. 228975, as Trustee for the Australian Retirement Trust, ABN 60 905 115 063. Australian Retirement Trust products are issued by Australian Retirement Trust Pty Ltd. The information about Beam on this page is provided by Precision. The information on this page about Australian Retirement Trust is provided by Australian Retirement Trust Pty Ltd.

1Past performance is not a reliable indicator of future performance. The Australian Retirement Trust Super Savings Balanced option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. Super Savings is a product within the Public Offer Division of Australian Retirement Trust. Source: SuperRatings Fund Crediting Rate Survey – SR50 Balanced (60-76) Index, 30 September 2021. The Sunsuper Balanced option for Super-savings accounts has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Members invested in the Lifecycle Investment Strategy are invested 100% in the Balanced Pool until age 55.

2Australian Retirement Trust employees provide advice as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), wholly owned by the Australian Retirement Trust. Australian Retirement Trust has established a panel of accredited external financial advisers who are not employees of Australian Retirement Trust.  Australian Retirement Trust is not responsible for the advice provided by these advisers and does not receive or pay any referral fees.  These advisers will explain to you how their advice fees are determined.

This page contains general advice and does not take into account the account the objectives, financial situation or needs of any particular individual or business. You should consider if the advice is appropriate to your own circumstances before acting on it. Outcomes are not guaranteed. Past performance is not a reliable indication of future performance. You should also consider the relevant Product Disclosure Statement (PDS) before deciding to acquire or continue to hold any financial product.