Future Group moves GuildSuper under Smart Future Trust

Future Group said its Smart Future Trust will assume control of the GuildSuper and Child Care Super brands as part of a continued effort to streamline its superannuation operations.

Transfer of Guild Retirement Fund to Smart Future Trust

Effective September 12, the Guild Retirement Fund will be moved into the Smart Future Trust. The two brands, which serve pharmacy workers and early‑learning staff, will keep their existing names and sector focus. According to the announcement, members should see little disruption during the shift.

The transition follows a similar move made in May 2025, when the Future Super Fund – supporting the Future Super and Verve Super brands – was also transferred to the Smart Future Trust. By consolidating these funds, the group aims to leverage scale for lower fees and broader service options.

Impact on Fees and Member Services

Administration charges for GuildSuper and Child Care Super members will drop from $72.80 to $67.60 per year. In addition, a revised MySuper LifeStage framework will be offered, featuring four age‑based choices and an updated Choice investment menu.

Chief executive Simon Sheikh said the move “builds on the successful SFT of the Future Super Fund into the Smart Future Trust last year” and adds “another important step towards a simpler and more scalable structure across Future Group.” He noted that larger scale can reduce duplication, improve negotiating power with service providers, and fund further investment in member services.

The group now oversees more than 400,000 members and approximately $14 billion in assets under management. The recent acquisition of GuildSuper in late 2023 added roughly $2.77 billion and 99,000 members, expanding the group’s reach into the default super market.

Members benefit from lower fees.

While the brands will retain their distinct identity, the underlying administration will be handled by the larger Trust. This arrangement is intended to keep industry‑specific expertise intact while benefiting from shared resources.

For newcomers, the significance lies in how superannuation providers are increasingly consolidating to achieve economies of scale. By merging smaller funds into a single trust, groups can spread administrative costs across a larger base, often translating into lower fees for individual members. This trend reflects broader pressures in the Australian retirement system to deliver value while managing regulatory complexity.

Future Group’s portfolio also includes the Future Super, Verve Super, and smartMonday brands. The company entered the default super space with the GuildSuper purchase, signaling a strategic push into a market segment that traditionally serves employees without a workplace‑chosen fund.

Overall, the Smart Future Trust’s absorption of GuildSuper and Child Care Super marks the latest step in Future Group’s plan to centralize fund administration while preserving brand‑specific services. The company expects the streamlined structure to support future growth and improve member experiences.