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GuildSuper | Performance, features and fees

GuildSuper is a retail super fund open to all Australians but dedicated to those in the pharmacy sector, veterinary and allied health industries.

GuildSuper investment options

You'll automatically be placed in the MySuper Lifestage fund when you join, which invests your balance in line with your age. You'll be placed in the Building option when you're under 25, the Growing option when you're 25-59 and Consolidating when you're over 60. After joining you're able to switch to another investment option at any time.

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Name Last 1 year performance (p.a.) Last 3 year performance (p.a.) Last 5 year performance (p.a.) Last 10 year performance (p.a.) Fees on $50k balance (p.a.)
Guild Growing Lifestage
Industry fundLifestage
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Guild Building Lifestage
Industry fundLifestage
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Guild Consolidating Lifestage
Industry fundLifestage
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Unless indicated otherwise, the information in the table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, Australian Financial Services Licence 311880.

*Past performance data and fee data is for the period ending Feb 2024

What are the key features of GuildSuper?

  • Majority of members are women. More than 85% of GuildSuper members are women, so the insurance and investment options are designed with women in mind.
  • Choose from 9 investment options. Choose between 5 pre-mixed investment portfolios or 4 single asset classes.
  • MySuper investment option. The MySuper Lifestage option is the default option for members who don't wish to choose their own investment option. It invests you super in line with your age.
  • Default insurance cover. Eligible members receive automatic death and total permanent disablement (TPD) cover.
  • Consolidate your super online. You can opt to consolidate your existing super into your new GuildSuper account when joining or any time after you've joined by logging into your online portal.

What investment options are available with GuildSuper?

You can choose from a range of pre-mixed investment portfolios, or build your own portfolio with the single sector options.

Option 1: Pre-mixed investment portfolios

Each option below invests in a different mix of high-risk growth assets and low-risk defensive assets. You can see what assets are classed as growth and defensive below:

  • Growth assets: Australian and international shares, private equity, infrastructure and property, alternatives.
  • Defensive assets: Infrastructure, property, fixed income and cash (such as term deposits).

If you don't want to make a choice, you'll be placed in the MySuper Lifestage option, which is the default option.

Portfolio Risk level Benchmark asset allocation
MySuper Lifestage

This is the default option, and it's split into three different investment options depending on your age.

  • Building: This is for members under age 25. It has a much higher allocation towards growth assets and aims for higher returns over the long term.
  • Growing: This is for members aged 25-59, so it's where the majority of members are invested. This stage of life you're still focused on growth.
  • Consolidating: This is for over 60s, and invests more heavily in defensive assets to protect your capital and reduce your risk.


High to Very HighUnder 60:

  • Growth assets: 100%

Aged 60+

  • Growth assets: 69%
  • Defensive assets: 31%

This portfolio aims for some growth over the medium to long term, but is more focused on protecting your balance with a much higher allocation to defensive assets.

Low to MediumGrowth assets: 32%

Defensive assets: 68%


This option aims for more balance between growth and defensive assets, however it still has around 70% allocation to growth assets.

Medium to HighGrowth assets: 69%

Defensive assets: 31%


This portfolio invests in more growth assets than the Balanced option, but it still has around 20% allocation to defensive assets. It's designed for members mainly looking for growth, with some level of capital stability.

HighGrowth assets: 81%

Defensive assets: 19%

High Growth

This is the highest risk option and invests heavily in Australian and international shares. Almost 100% of your balance will be invested in growth assets. It's designed for members with a longer investment timeframe of at least 7-10 years.

Very HighGrowth assets: 98%

Defensive assets: 2%

Option 2: Sector investment options

If you want to be more hands-on and create your own investment mix, you can put together your own portfolio using a mix of these single asset class options.

  • Secure (cash)
  • International Shares (unhedged)
  • Australian Shares
  • Property Securities

What insurance cover is available with GuildSuper?

Members will be eligible for the following insurance cover automatically when joining (you'll receive a basic level of cover to start with):

  • Death. This is paid to your beneficiary (usually your spouse or a member of your immediate family) in the event of your unexpected death.
  • Total and permanent disability (TPD). This is paid to you in the event you become disabled and can no longer work.

You can increase, reduce or cancel your cover altogether at any time after joining the fund. You also have the option of adding income protection insurance and life insurance cover at any point.

How do I join GuildSuper?

You don't need to work in the pharmacy sector, veterinary and allied health industries to join GuildSuper, anyone is able to join online. The application process is simple and should take you less than 20 minutes to complete.

As well as your full name and date of birth, make sure you have the following details handy before you start the application:

  • Your Australian residential address
  • Your phone number and email address
  • Your tax file number (TFN)
  • Your chosen investment option and insurance cover
  • Details of your existing super fund if you'd like to consolidate your funds during the application process

Once your application has been completed successfully, you'll receive your membership details by email.

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