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What the Researchers Say:

A "reasonable value for money" fund that is performing well in a number of assessment areas but with average or below average features and/or performance in a number of other areas of our assessment.
You should contact your financial adviser or this fund before making an investment decision.

  • Silver
Awards
Fund data valid as of June 30, 2016

Typical Fees

Balance This Fund Industry Average Difference
50k $883 $706 $177
250k $2,970 $3,047 -$77
500k $5,345 $5,779 -$434

Investment Allocation

Intl shares 27.0%
Aus shares 28.0%
Property 9.0%
Alternative 14.0%
Fixed interest 11.0%
Cash 11.0%

Fees & Charges

Membership Fee $95
Asset Admin Fee 0.88%
Investment Fee 0.70%
Switching Fee $0
Exit Fee $60
Account Size Discount Yes
Employer Size Discount N/A

Fund Features

Financial Planning Service
Health Insurance
Home Loans
Credit Cards
Binding Nominations
Non-lapsing Binding Nominations
Insurance Life Event Increases
Anti-detriment Payments
Long Term Income Protection

About this Fund

Membership 74,444
Total Assets $1,038,710,000
Year Started 2007
Target Market
Offered to Public?
Fund Type Master Trust-Allocated Pension

Fund Highlights - provided by GuildPension

No information was provided by the fund to SuperRatings, hence an alert rating may be given in areas where a qualitative assessment cannot be made. For available information refer to the fund's PDS.

Investment Option Performance

Asset Allocation Category FYTD FY 2015 FY 2014 FY 2013 FY 2012 FY 2011 Comparison
Balanced 8.40%
14.50%
16.70%
1.70%
Fund
Benchmark
High Growth 10.30%
0.82%
17.90%
0.82%
23.80%
13.21%
0.80%
17.79%
Fund
Benchmark
Conservative Balanced 6.30%
3.46%
10.50%
3.46%
11.20%
8.25%
3.60%
11.01%
Fund
Benchmark
Capital Stable 4.10%
3.64%
7.60%
3.64%
7.20%
6.35%
6.50%
8.17%
Fund
Benchmark
Cash 1.80%
2.25%
2.60%
2.25%
3.30%
2.61%
4.50%
2.78%
Fund
Benchmark
  • Legend:
  • Outperformed average
  • Underperformed average
  • Negative returns

Annualised figures are the average per year returns of the rated option based on the cumulative returns for the past 5 years to 30/06/2015, past performance is not a reliable indicator of future performance. Performance and fee data is based on the option which is rated by SuperRatings and stated on each product's landing page.

Benchmark investment information - how performance is measured

To ensure comparability for consumers, the RateCity superannuation comparison is based on the asset allocation of each of the MySuper/Pension products, irrespective of the name of the investment option. This methodology allows consumers to compare products on a like for like basis and removes any ambiguities associated with the name of the investment option. For example, an investment option may be classified as growth, however its asset allocation may in fact mean it should be classified as high growth. By using the asset allocation as the dominant identifier, we believe this provides the most robust framework for consumers to compare funds and recognise that this is a consistent approach to that of SuperRatings methodology.

Option Type Percentage of Growth Assets
min-max %
High Growth 91-100%
Growth 77-90%
Balanced 60-76%
Conservative Balanced 41-59%
Capital Stable 20-40%
Secure 0-19%

What the researchers say

GuildPension was established in 2007 by the GuildGroup as a streamlined retirement vehicle for individuals. A minimum initial investment of $10,000 is required.

A basic investment menu consisting of 4 Diversified options and a Cash option is offered to members. GuildPension's Growth option has underperformed the SuperRatings Index over the short and long term.

Fees are below the market average across medium and high account balances assessed. Fee rebates apply to account balances over $25,000. A withdrawal fee of $60 also applies.

Good product flexibility is provided through GuildPension. Members can select from 5 pension payment frequencies. Payments are made directly to the member's nominated bank account and members can nominate a drawdown strategy or have their pension payments taken proportionately across investment options.

GuildPension provides members with access to financial planning services and bi-annual account statements. The Fund's website offers members the opportunity to view their account details, as well as access a range of educational materials.


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