Welcome to SUPERSUPER^™

GuildSuper is the super fund behind the SUPERSUPER program.

To access the SUPERSUPER program you do need to join or already be a member of GuildSuper. This fund is open to anyone to join and there are no additional fees for using SUPERSUPER.

GuildSuper was established in the early 2000s by the Pharmacy Guild of Australia. Initially set up to provide superannuation services to pharmacy workers, we have since grown to represent many professions.

As part of the Guild Retirement Fund, we look after the superannuation savings of more than 80,000 members and help more than 22,000 employers meet their superannuation obligations.

Open to all Australians, it is our mission to make super fairer and more accessible, especially for women and their families. We created SUPERSUPER - the first program of its kind – which lets you accumulate super not on what you earn, but also on what you spend.

More information
Click here

Choosing a super fund is an important decision and one that we don’t want anyone to make lightly.

In the interest of transparency and independence, GuildSuper asked Chant West (an independent superannuation research company, www.chantwest. com.au) to gather information about other funds to see how we compare. The information gathered includes admin and investment fees, insurance premiums and investment returns.

See how GuildSuper compares. And for complete information about GuildSuper, always remember to check out the Product Disclosure Statement (PDS).

No, it doesn't. The SUPERSUPER program is available to all GuildSuper members as a part of their membership.

There’s a huge range of participating retailers in the SUPERSUPER program. For a list  click here.

SUPERSUPER is a rewards program. But unlike other reward programs your ‘rewards’ go straight into your super account. Instead of getting random points that you’ll probably never use, when you shop with SUPERSUPER you get rewarded with money going straight into your super account.

For example, if you were to pay $100 for a $100 eVoucher to shop at a supermarket that offered a 5% SUPERSUPER reward, in addition to receiving the $100 eVoucher, you would automatically receive $5 into your super account.

No, it will cost the same amount.

That’s because with SUPERSUPER you simply shop as you normally would, but instead of paying with cash, credit or a debit card at the checkout, you pay using your pre-purchased SUPERSUPER voucher instead.

Yes, you can.

Of course, we always tell members that consolidating multiple super accounts into the one fund generally makes sense as it can make it simpler to manage your super, save money in fees and reduce paperwork. But if you don’t want to, that’s fine with us.

After-tax (non-concessional) contributions are contributions you make using after-tax money. The advantages of making a personal after-tax contribution is that they are not subject to tax when you contribute the money to super. You may also be eligible to receive government co-contribution or use it towards First Home Super Savers Scheme (FHSSS). An annual tax-free cap of $100,000pa applies. These contributions are subject to age eligibility and work tests – in general you need to be under 65, or if you’re 65-74 years old and have met the work criteria.

SUPERSUPER contributions that are made into your GuildSuper or Child Care Super super account are treated as after-tax (non-concessional) contributions. In other words, they are paid into your super account using after-tax money. Annual limits apply, more information can be found here.

You can do this by making a personal deductible contribution. Some eligibility criteria and rules apply.

How does this work?

After you’ve made an after-tax contribution (in this case your SUPERSUPER contributions) into your super account, you have until the earlier of, before you lodge your tax return and the end of the following financial year, to claim your tax deduction. You have to let us know you intend to claim a deduction in your tax return by giving us a call and completing the Notice of intent to claim or vary a personal super contributions form before lodging your tax return.