Class B - Lifecycle MySuper default - High Growth

Guild Retirement Fund - Guild Retirement Fund ( MySuper) No 22599554834526 - Building

Age-based default products tracked separately until a representative cohort method is finalised.

Class BLifecycle - High Growth98% growth assetsSuggested timeframe: 10+ yearsIncluded in ranked comparison

What this option is

98% of your money is in growth assets.

The remaining 2% is in defensive assets such as bonds and cash. That puts this option in the High Growth band, typically used for 10+ years or longer.

Caveat: Higher growth means more potential upside over the long run, but also more volatility year to year. This option's risk label expects a negative annual return about 1 in 4 years.

Fees

72bp

Total annual fee estimate for a $50,000 balance in the APRA data snapshot.

10-year net return

8.2%

Past performance is not a reliable indicator of future performance.

Classification evidence

Original fund labelGuild Retirement Fund ( MySuper) No 22599554834526 - Building

Standard bucketLifecycle MySuper default

Growth bandHigh Growth (90-100% growth)

Risk bandHigh risk - about 1 in 4 years with a negative annual return

USI22599554834633

Performance testUnknown

Source statusComparable APRA metrics confirmed.

Comparison statusIncluded in ranked default comparison.

Data limitationNo public data limitations identified.

Evidence source Trustee source

Similar options

Fund / option	Growth	Fees	10y net
Colonial First State FirstChoice Superannuation Trust FirstChoice Employer Super - CFS Lifestage (1985-1989)	94%	73bp	7.8%
Colonial First State FirstChoice Superannuation Trust FirstChoice Employer Super - CFS Lifestage (1990-1994)	94%	72bp	7.8%
Colonial First State FirstChoice Superannuation Trust FirstChoice Employer Super - CFS Lifestage (1995-1999)	94%	72bp	7.8%
Essential Super Essential Super - Lifestage 1985-89 option	94%	72bp	7.8%