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.
Key takeaways
- GuildSuper supports pharmacy and allied health professionals, with insurance and investment options designed around this community.
- GuildSuper offers 9 investment options, with MySuper Lifestage options delivering competitive 10-year returns.
- Fees on a $50k balance for growth options often range from $392 to $492 annually.
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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The information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.
*Past performance data and fee data is for the period ending June 2026
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The information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.
*Past performance data and fee data is for the period ending June 2026
What are the key features of GuildSuper?
- Built for pharmacy and allied health professionals. GuildSuper supports a community of more than 63,000 pharmacy professionals, with insurance and investment options designed around this community.
- 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.
| High to Very High | Building (under 25):
Growing (25-59):
Consolidating (60+):
|
| Conservative 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 Medium | Growth assets: 32% Defensive assets: 68% |
| Balanced This option aims for more balance between growth and defensive assets, however it still has around 70% allocation to growth assets. | Medium to High | Growth assets: 69% Defensive assets: 31% |
| Growth 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. | High | Growth 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 High | Growth 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?
GuildSuper is now offered through the Smart Future Trust (ABN 68 964 712 340), with Equity Trustees Superannuation Limited (ABN 50 055 641 757) as trustee (USI 68964712340020) — the GuildSuper product name and features have been retained under the new trust structure. 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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