What is MySuper? 

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Your Benefits

  • Easy to use - the lifestage investment structure does all the work for you.
  • Cost effective - competitive fees and insurances leave more for you when you need it.
  • Security - knowing you're with a trusted fund with over 15 years in the industry that has invested your savings into an investment strategy that suits your age.  

For more information please refer to the GuildSuper PDS and GuildSuper Investment Guide

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Strategy Explained

MySuper is a lifestage investment option designed for you if you don’t want to choose your own investments.

MySuper offers three age-based investment options or “lifestages”. Your super savings are automatically invested in the option that suits your age*. Then, as you get closer to finishing work your option is changed to reduce the level of risk.

Here’s how it works:

If you’re under 25 and don’t let us know where you’d like your super invested, your money will be automatically invested in the “Building lifestage” option. This option invests 100% in high growth assets like shares. Over the longer term these types of assets have the potential to provide good returns for your super.

When you reach age 25* we’ll switch your super savings into our "Growing lifestage" option. This option also invests 100% in growth assets, however is more actively managed with the aim of generating strong returns over the long-term.

This process is then repeated at age 60*. At this point your investments will be switched into our "Consolidating lifestage" option. This option includes some lower-risk investments like fixed interest, bonds and cash. This helps lower your overall level of risk and smooth out some of the short-term ups and downs in investment markets, doing more to protect the value as you head closer to retirement. 

Find out more about the performance of the investment options.

MyMix Solution

The MyMix Solution is designed for those who want to have a greater say in how their money is invested. It allows you to customise your investment portfolio.

Find out more about this solution

* Your age is determined as at 1 July each year based on your age next birthday. Changes to your investment options are also made on 1 July. Changes do not actually take place on your birthday.  If you don't or your employer does not advise us of your date of birth, your account will be invested in the Consolidating lifestage investment option.



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