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.
Closed public sector schemes
State Super administers closed NSW public sector schemes with benefits based partly or wholly on scheme formulas.
These schemes serve existing and deferred members and pensioners. SSS closed in 1985; the Police scheme in 1988; SASS in 1992.
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 | State Super NSW |
|---|---|---|
| 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 | These schemes serve existing and deferred members and pensioners. SSS closed in 1985; the Police scheme in 1988; SASS in 1992. Sources12 |
| Accounts and products | GuildSuper accumulation and pension products. Sources12 | SASS, SSS, Police Superannuation Scheme and SANCS. Scheme-specific identifiers apply. SASS SSS Police Superannuation Scheme SANCS Sources12 |
| 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 | This detail has not been verified for this profile. Check the current product documents. |
| Insurance | The transfer notice says insurance cover and policy terms remain the same, but the insurance administration fee increases. Sources12 | This detail has not been verified for this profile. Check the current product documents. |
| Retirement income | Pension members remain in GuildSuper. The notice adjusts some September payment dates and temporarily limits member-initiated withdrawals and switches. Sources12 | Benefits can depend on salary, service and historical membership provisions. Sources12 |
| 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 | Keep SASS, SSS and NSW Police PSS distinguishable in search and comparison labels. Sources12 |
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
The scheme name and membership history matter more than the State Super umbrella brand. Obtain an estimate under your own rules before comparing a pension or lump sum with another retirement arrangement.
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 State Super NSW 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.