Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail investment platform
Centric is an adviser-led super platform for members who want a portfolio built around selected investments.
Designed for members working with a financial adviser. Confirm the available service and minimum balance with the adviser.
Retail fund brand
GuildSuper is retaining its brand while transferring into Smart Future Trust. The transition is still underway on the research date, so current notices matter more than an old fee table.
Use the current GuildSuper joining documents and the transfer notice. The brand remains available, although some member transactions are temporarily limited during the transition.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
The costs and returns belong to the selected product, option or lifecycle stage.
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
| What to compare | Centric Super | GuildSuper |
|---|---|---|
| Membership and access | Designed for members working with a financial adviser. Confirm the available service and minimum balance with the adviser. Sources123 | Use the current GuildSuper joining documents and the transfer notice. The brand remains available, although some member transactions are temporarily limited during the transition. Sources12 |
| Accounts and products | Centric Super accumulation and retirement accounts. Sources123 | GuildSuper accumulation and pension products. Sources12 |
| Investment choices | Centric Choice provides a broad investment menu. Centric One centres on multi-asset model portfolios, with consolidated online reporting. Sources123 | The transfer introduces a refreshed investment menu and maps existing balances to comparable new options. Check the mapping for the precise option instead of assuming its old name and asset mix persist. Sources12 |
| Insurance | Insurance arrangements should be checked in the current super disclosure and the proposal supplied by your adviser; investment-platform access alone does not establish your cover. Sources123 | The transfer notice says insurance cover and policy terms remain the same, but the insurance administration fee increases. Sources12 |
| Retirement income | The platform supports transition-to-retirement and pension accounts. Sources123 | Pension members remain in GuildSuper. The notice adjusts some September payment dates and temporarily limits member-initiated withdrawals and switches. Sources12 |
| Advice and support | Portfolio selection is part of an advised service. Ask for the ongoing advice scope and fee in writing. Sources123 | Use the current contact and advice information in the product disclosure. Confirm the service and price before commissioning personal advice. Sources12 |
| Fee details to check | Add the platform and account charges, cash-account margin, investment costs, transaction costs and any adviser remuneration. A monthly account fee alone does not describe the whole cost. Sources123 | New fund details apply to contributions from 5 September 2026. Compare the fee schedule applying after the transfer, including the higher insurance administration fee. The notice says most members are expected to pay lower overall fees, not all members. Sources12 |
| Comparing investment performance | There is no single Centric return. Compare the actual model or selected holdings after all relevant costs, using a consistent period and risk level. Sources123 | Any future comparison spanning the transfer needs the option mapping and strategy-history note. Do not splice two different strategies without explanation. Sources12 |
THE SUPERGURU VIEW
May suit someone who has a clear reason for using an adviser and wants that adviser to manage investments within super.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Most immediately useful for existing GuildSuper members checking where their account is going and how their particular fees change.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
Use the membership rules to establish which accounts are available to you. Then compare the total price of the investment option and cover you need. A lower fee or higher historical return alone does not tell you which fund is suitable.
Ask both funds to confirm insurance acceptance, exclusions, waiting periods and whether cover would change when you leave your employer. Obtain advice before giving up a defined benefit or an insurance policy you may not be able to replace. ASIC Moneysmart explains the comparison checks.
Read the full Centric Super profile · Read the full GuildSuper profile · Choose another comparison
Checked 2026-09-11. Documents and product terms can change after this date.
Checked 2026-09-11. Documents and product terms can change after this date.