3 simple steps to start saving
Become a member of GuildSuper
Click the activate link in the welcome email & fill in a couple of deets to confirm it’s you
Set up a password and you’re in! 5 minutes is all it takes
To use SUPERSUPER you need to be a member of GuildSuper.
Before you sign up to GuildSuper you should determine if it is appropriate for you and read its Product Disclosure Statement (PDS). You can find the PDS and more information about GuildSuper here
How it works
SUPERSUPER is GuildSuper’s award-winning rewards program, where participating retailers pay cash rewards into your super account each time you shop with them. For superannuation purposes, the rewards are considered “personal” after-tax payments – so in order to receive them, GuildSuper needs your tax file number (TFN). You can find out more about after-tax payments - including limits - and why we need your TFN on the GuildSuper website.
You can shop with your favourite brands directly online or pre-purchase vouchers and shop in store or online - and add to your super each time.
Login to SUPERSUPER to shop online or pre purchase vouchers from hundreds of popular retailers
Pay via online stores or pre-purchase vouchers with MyCash account, credit or debit card
Watch your super balance grow
It all adds up
By completing your everyday shopping with SUPERSUPER you’ll be continually adding to your super account. And when it comes to your super account, a little extra can go a long way.
Small regular amounts added to your super can add up to thousands of extra dollars over time, thanks to the magic of compound returns.
Age 33 years. $50 monthly deposit over 34 years provides an additional $20,400 in super contributions. Not considering investment returns, fees or charges.
What does it cost?
Good question. As a service to GuildSuper members, there are no additional costs to use SUPERSUPER – it’s a member benefit.
As with all super funds though, there are costs to being a GuildSuper member. These costs include admin fees, investment management fees and, if applicable, insurance premiums. Fees and costs can make a significant difference to your balance so it is extremely important that you understand what you are being charged and the impact this can have on your balance.
Savings offered from 100’s of retailers
Whether you need groceries, gifts, gadgets or gardening gloves SUPERSUPER has you covered.
There are hundreds of retailers and online stores to shop with, including Coles, Woolworths, ASOS, Myer, David Jones, Kmart, Target, Big W, Caltex Woolworths, The Good Guys, Rebel Sport, Hoyts, Jetstar, Flight Centre, BCF to name just a few. Growing your super has never been easier – or more fun. For a full range of retailers click here.
When you use SUPERSUPER, the additional contributions paid into your super account could help you to:
We’re making saving super easier and fairer for women and their families
Many Australian women are retiring into poverty. The average super balance for men in 2016 was $270,000. Women, on the other hand are retiring with just $157,000, a staggering 42% less!
We know it can be tough to save money into your super account with all of the other daily expenses of life to deal with. It’s easy to think of your retirement as something to sort out later.
Instead of putting off saving into your super account, use SUPERSUPER to get ahead of the contribution game – just by doing your every day shopping.
Are there other ways to maximise super?
Yes, there are. To start with, there are other ways you can contribute to your super – you can make additional payments from your pay before or after-tax. Or you can make one off or regular payments via BPAY.
Then there’s the option of having your spouse make contributions for you or splitting their contributions with you.
You can consider optimising your investments with an aggressive long-term strategy (rather than staying in the default investment option), consolidating multiple accounts (to reduce the fees you pay) and looking into what insurance cover you have - and how much you pay for it. You can find out more about all these topics on the GuildSuper website. And if it all seems a bit much, GuildSuper members can call the helpline and speak with an adviser - who can explain all these things - at no extra cost.
What else should be considered
An important consideration when choosing a super fund is investment performance. How well (or badly) your super fund performs, will significantly impact your balance. You can see GuildSuper’s (default option) investment performance here.
Frequently asked questions
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.
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.
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.
A new scheme lets you earn superannuation while you shop
"It can sometimes be a fine line between gimmick and something of value when it comes to the funds' marketing, but this falls in the latter category."