Your super is one of your most valuable assets. Here's how to keep it safe from scams and fraud.
Your super is one of your most valuable assets. Here's how to keep it safe from scams and fraud.
Super isn’t set and forget. As your life changes, be sure to check back in on your super so you stay in control of your future. To help you do that, here’s your super handy checklist.
And don’t forget, as a GuildSuper member our coaches are here to help you with any of the checklist items. Their services are included in your membership, so there’s no extra cost*.
That’s OK. There’s still plenty of helpful super information here for you. Just keep in mind that the how-to details and product specifics will vary between funds, so check in with yours for anything account related.
And if you’re curious about making the switch, we’d love to have you – over over 63,000 pharmacy professionals already trust GuildSuper with their financial future.
While super is a long-term investment, checking your account at least twice a year and keeping an eye on your super is important - even if retirement is a long way off. After all, it's your money and could be one of your biggest assets!
Actions
Log in to your online account or App today. Need help accessing your online account for the first time, find details here.
Pop a reminder in your calendar to log in to your GuildSuper account six months from now. Even better, make that reminder recurring.
Having more than one super account could mean that you are paying unnecessary fees which can reduce how much you have to enjoy during your retirement. Having one account can also make it easier to take control of your super.
If you feel unsure about where all your super is, or want to double check you haven’t lost any, you can check through your online account or App.
Action
Simply log in to your online account or App. Click ‘Grow My Super’ in the menu and then ‘Find My Super’. Follow the steps to locate and transfer your super.
Important: Before you begin, take a moment to consider whether consolidating your super into your GuildSuper account is right for you. You should consider the different fees and costs, amount of insurance cover offered and any other relevant information before deciding to transfer your super. You may wish to talk to your financial adviser or one of our coaches. And you may like to review these four things to consider when consolidating.
GuildSuper offers a range of investment options for you to choose from.
If you have not made an investment choice, your super will be invested in our MySuper option which will automatically invest your super savings in the option that suits your age. Then, as you get close to retirement, your option is switched to lower the risk.
Actions
Book a call with a coach who can help you understand what types of investments are right for you, based on your age, risk preferences and how hands-on you want to be with your super.
If you want to make changes, log in to your account.
Action
Read more about growing your account, or chat to a coach about before tax and after tax contributions.
If you would like to add to your account as a salary sacrifice (before-tax) contribution, please speak to your employer/payroll team.
To make after-tax contributions directly to your account, check your BPAY® details in your online account.
® Registered to BPAY Pty Ltd ABN 69 079 137 518.
Having the right insurance cover in place is important for you and your loved ones. Working out what cover is right for you is specific to you, as it should consider factors such as your debts, dependents, and age.
Having insurance in super means competitive pricing due to the large number of fund members, premiums being paid from your super account (rather than your bank account), and a level of automatic cover without the need for medical checks.
You can both increase and decrease your insurance in your GuildSuper account in line with your needs and preferences. Life, Total & Permanent Disablement and Income Protection Insurance are available.
Actions
Check your current levels of cover by logging in to your account. Click on the menu, choose My Insurance, and then Insurance Overview.
Read more about GuildSuper insurance.
Want to work out the right level of cover for you? A coach can help or consider using the Life Insurance Calculator, provided by the government, through Moneysmart.
Nominating a beneficiary ensures that your super, and any insurance held, is paid to the right person if something happens to you.
A non-binding nomination can be made by simply logging in to your account. This type of nomination guides the Trustee on who you would prefer to receive your money.
A binding nomination locks in your choice for the next three years (we’ll remind you to renew it). It takes a little more time, as you need to complete a form, sign it and have it witnessed. This ensures the Trustee acts according to the instructions you provide on the form (provided the nomination is valid).
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Read more about valid nominations. Remember, you can only nominate specific people (like kids or a spouse, and a few others) and you can’t nominate a charity, a friend (or a pet).
Make a beneficiary nomination. Use this form for a binding nomination or for a non-binding nomination log in to your account, go to My Account and then Beneficiaries
Have you considered the lifestyle you want in your later years? No matter your age, having a clear goal and strategy to achieve it is key. While super is a long term investment, your choices today can shape your future, no matter how far away retirement might seem.
There are 4 key levers that you can adjust to meet your needs and each can be fine tuned along the road to retirement:
When you retire
How much you'll spend in retirement
Your investment choices and the level of risk you’re comfortable with
Saving now versus later
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Want to see if you're on track?
Need more help? We can help you with your plans.
Book a call with a coach. Chat with a coach on 1300 COACH 0 (1300 262 240) or email coach@guildsuper.com.au
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The Coach team also provides advice to members about pensions and pension benefits, for a small additional fee.
All information is general and does not take account of your personal objectives, financial situation or needs. Before deciding whether a particular product is appropriate for you, please read the relevant Product Disclosure Statement including any incorporated information, Target Market Determination and Financial Services Guide available at guildsuper.com.au. Any intra-fund advice is provided by or on behalf of Future Group Financial Services Pty Ltd.
Page last updated 4 March 2026
