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.
Industry fund
NGS Super combines a MySuper default with indexed, diversified and sector options. Its advice service starts with limited help about a member's NGS account.
Use the current joining criteria and insurance guide for the membership being considered; workplace arrangements can affect cover.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | Choose an investment option | NGS Diversified (MySuper) |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 9.96% |
| 5-year return, per year | Choose an option | 6.67% |
| 7-year return, per year | Choose an option | 7.01% |
| 10-year return, per year | Choose an option | 7.72% |
| APRA strategic growth allocation | Choose an option | 78.94% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $515 a year (1.03%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $140 a year |
| 2026 performance test | Choose an option | Pass |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
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 | NGS Super |
|---|---|---|
| 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 | Use the current joining criteria and insurance guide for the membership being considered; workplace arrangements can affect cover. Sources123 |
| Accounts and products | GuildSuper accumulation and pension products. Sources12 | Accumulation, transition-to-retirement and Income accounts. 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 | Diversified is the MySuper option. Other choices include High Growth, Balanced, Defensive, Indexed Growth and sector options such as Australian shares, international shares, infrastructure, property, bonds, cash and term deposits. Sources123 |
| Insurance | The transfer notice says insurance cover and policy terms remain the same, but the insurance administration fee increases. Sources12 | Insurance is available under the current guide. Compare cover definitions, insured amounts and premiums rather than relying on a general service award. Sources123 |
| Retirement income | Pension members remain in GuildSuper. The notice adjusts some September payment dates and temporarily limits member-initiated withdrawals and switches. Sources12 | Income and transition-to-retirement accounts have separate disclosure documents. NGS explains that investment earnings are treated differently in these account types. 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 | Single-issue advice limited to an NGS account and its insurance is available without a separate charge. Broader tailored advice is offered on an agreed fee-for-service basis. 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 | The current page separates fixed administration, a balance-based component, reserve-paid administration costs and option-specific investment costs. Indexed Growth has a different investment cost from Diversified, so quote the actual chosen option. 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 | Compare the same option, dates and account phase. The Indexed Growth and Diversified strategies should be assessed against their own asset mix and objectives. 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
Worth comparing if you want a conventional industry fund but also want an indexed portfolio or help with a specific super question.
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 NGS Super 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.