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.
Restricted public sector fund
PSSap is CSC's accumulation fund for eligible current and former Australian Government employees.
Joining normally requires eligible government employment. After 12 continuous months in eligible employment, a member can receive contributions from other employers. Some CSS and PSS members can open a personal accumulation account, subject to eligibility.
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 | PSSap MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 9.74% |
| 5-year return, per year | Choose an option | 6.77% |
| 7-year return, per year | Choose an option | 7.10% |
| 10-year return, per year | Choose an option | 7.57% |
| APRA strategic growth allocation | Choose an option | 69.06% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $455 a year (0.91%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $75 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 | PSSap |
|---|---|---|
| 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 | Joining normally requires eligible government employment. After 12 continuous months in eligible employment, a member can receive contributions from other employers. Some CSS and PSS members can open a personal accumulation account, subject to eligibility. Sources123 |
| Accounts and products | GuildSuper accumulation and pension products. Sources12 | Public Sector Superannuation Accumulation Plan. CSCri retirement accounts use the same fund ABN but have separate terms. PSSap employer-sponsored membership PSSap personal accumulation CSCri retirement income 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 | PSSap MySuper Balanced Members can choose among four investment options. The MySuper comparison applies to Balanced; it does not describe every PSSap account. Sources123 |
| Insurance | The transfer notice says insurance cover and policy terms remain the same, but the insurance administration fee increases. Sources12 | lifePLUS can provide death, total and permanent disability and income protection cover. Automatic cover depends on eligibility. Sources123 |
| Retirement income | Pension members remain in GuildSuper. The notice adjusts some September payment dates and temporarily limits member-initiated withdrawals and switches. Sources12 | CSCri is a separate retirement income product. Its fees and tax treatment need a separate comparison. 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 | This detail has not been verified for this profile. Check the current product documents. |
| 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 | This detail has not been verified for this profile. Check the current product documents. |
| 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 | Use the same balance, investment risk and reporting date on both sides. 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
PSSap deserves a place on an eligible employee's shortlist, especially when assessing their employment package. Check the contribution and insurance arrangements attached to the job before comparing funds on fees alone.
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 PSSap 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.