Investment performance

Super performance*

You should aim to grow your super balance as much as possible, to make sure you can have the financial future you deserve. Comparing the performance of different super products can seem confusing – so we’re going to try and make it as easy as possible to understand. It’s important to remember that super is a long-term investment, so it’s the long-term returns on your hard-earned money that really count!

Please read the important disclaimers at the bottom of this page to understand the information shown here.

MySuper Investment Performance¹

MySuper Investment portfolios

Since inception (p.a.)

10 years (p.a.)

5 years (p.a.)

3 years (p.a.)

1 year

Financial Year To Date

Inception date

Age 50 and under

8.83%

8.49%

7.19%

10.62%

8.23%

31 Jan 2014

Age 51 to 60

8.26%

6.74%

6.35%

9.67%

7.30%

31 Jan 2014

Age 61 to 66

6.94%

5.12%

5.52%

8.77%

6.43%

31 Jan 2014

Age 67 and over

5.77%

3.84%

4.67%

7.85%

5.65%

31 Jan 2014

Net investment returns to 30 June 2026

Returns are not guaranteed, and past performance is not a reliable indicator of future performance.

Choice Investment Performance

Choice Investment portfolios

Since inception (p.a.)

10 years (p.a.)

5 years (p.a.)

3 years (p.a.)

1 year

Financial Year To Date

Inception date

High Growth

7.73%

9.66%

8.12%

11.46%

7.46%

31 Aug 2004

Growth

7.14%

8.42%

6.92%

10.14%

6.73%

1 Oct 2001

Balanced Growth

6.39%

7.19%

5.77%

8.97%

5.91%

31 Oct 2004

Moderate

4.92%

3.82%

3.19%

5.85%

3.64%

30 Jun 1998

Cash

2.79%

1.78%

2.78%

3.81%

3.50%

30 Jun 2001

Net investment returns to 30 June 2026

Returns are not guaranteed, and past performance is not a reliable indicator of future performance.

How we grow your super

Did you know your super is invested to help grow your balance as much as possible for retirement?

Learn more

On 12 September 2026, GuildSuper became a part of the Smart Future Trust.

Investment returns shown for periods before 12 September 2026 are historical investment returns using data from the Smart Future Trust investment options prior to GuildSuper joining the Fund. These historical returns do not reflect the performance of the new investment options, which started on 12 September 2026.

The information on this page shows the rates of return that the investment options have achieved over the year to date, and over longer periods. Returns provided are after investment fees, transaction costs and an allowance for taxes on investment income. 

The returns are based on unit prices of each investment option calculated as at the end of the month. Unit prices are based on the latest available investment valuations at the time of calculation, which means they could be 1 or 2 days behind the current market indices.  

These returns do not necessarily reflect your individual rate of return. Your individual rate depends on the timing of the transactions on your account, any switches you have made and the actual mix of options that your account has been invested in.  

Returns are not guaranteed and past performance is not a reliable indicator of future performance. The trustee takes no responsibility for you acting on the information provided. Any decision that you make is at your own risk.

On 14 August 2026, the Smart Future Trust changed the investment strategy for the MySuper product, introducing four new LifeStage options based on age.

Investment returns shown for periods before 14 August 2026 are based on historical performance history using data from an equivalent age group under our previous MySuper investment strategy. Each new LifeStage option has been matched to the previous age group that best represents it:

LifeStage Age 50 and under - Lifecycle Age 35 and under
LifeStage Age 51 to 60 - Lifecycle Age 52
LifeStage Age 61 to 66 - Lifecycle Age 61
LifeStage Age 67 and over - Lifecycle Age 67

This approach reflects the performance history of the most representative cohort of Smart Future Trust members that transitioned to each new LifeStage option and aligns with APRA guidance.

These historical returns do not reflect the performance of the new investment options, which started on 12 September 2026.

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