Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Retail platform
HUB24 Super is an adviser platform with Discover, Core and Choice menus. The reason to consider it is the portfolio and administration functionality that a particular member needs.
The product is offered through an advice relationship; the current PDS and target market determination set the application rules.
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 | GuildSuper | HUB24 |
|---|---|---|
| Membership and access | 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 | The product is offered through an advice relationship; the current PDS and target market determination set the application rules. Sources123 |
| Accounts and products | GuildSuper accumulation and pension products. Sources12 | HUB24 Super with menu and account variants. Sources123 |
| Investment choices | 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 | Discover provides a streamlined managed-portfolio selection. Core and Choice offer other levels of investment breadth. Sources123 |
| Insurance | The transfer notice says insurance cover and policy terms remain the same, but the insurance administration fee increases. Sources12 | A separate HUB24 Super Insurance Guide sets out available cover and conditions. Sources123 |
| Retirement income | Pension members remain in GuildSuper. The notice adjusts some September payment dates and temporarily limits member-initiated withdrawals and switches. Sources12 | The cash account processes pension payments as well as investment trades and fees. Retirement features depend on the selected account. Sources123 |
| Advice and support | Use the current contact and advice information in the product disclosure. Confirm the service and price before commissioning personal advice. Sources12 | Advisers use the platform to construct and manage client portfolios. Advice fees need to be included in any total-cost assessment. Sources123 |
| Fee details to check | 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 | Calculate costs using the selected menu, balance and investments. Add adviser and managed-portfolio fees, plus transaction and underlying investment costs. Sources123 |
| Comparing investment performance | Any future comparison spanning the transfer needs the option mapping and strategy-history note. Do not splice two different strategies without explanation. Sources12 | A HUB24 account does not have one standard return. Compare a specific proposed portfolio and its complete fees. Sources123 |
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.
THE SUPERGURU VIEW
A relevant comparison for someone paying for ongoing advice who will use the platform's portfolio features.
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 GuildSuper profile · Read the full HUB24 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.