Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Restricted corporate fund
ANZ Staff Super is an accumulation fund for eligible ANZ employees and the partners of existing members.
Current permanent and fixed-term ANZ employees can join, as can partners of current members. Existing members can generally stay after leaving ANZ. A former employee who never joined cannot assume they can enter later.
Restricted occupational fund
FES Super serves eligible Western Australian fire and emergency services employees, with defined benefit and accumulation accounts.
Firefighters start in the Defined Benefit Account. Different rules apply to other permanent, temporary and casual employees of DFES and associated employers. Spouse and retained accounts are available under their own eligibility rules.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | ANZ Staff MySuper | Choose an investment option |
|---|---|---|
| Return basis | MySuper net return after administration costs, $50,000 representative member | Choose an option |
| 3-year return, per year | 9.43% | Choose an option |
| 5-year return, per year | 6.25% | Choose an option |
| 7-year return, per year | 6.66% | Choose an option |
| 10-year return, per year | 7.39% | Choose an option |
| APRA strategic growth allocation | 70.75% | Choose an option |
| Reported total fees, net of tax, at $50,000 | $315 a year (0.63%) | Choose an option |
| Administration and advice costs, net of tax (included in total) | $80 a year | Choose an option |
| 2026 performance test | Pass | Choose an option |
| New-member status at reporting date | Check the current product eligibility rules | Check the current product eligibility rules |
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
| What to compare | ANZ Staff Super | FES Super |
|---|---|---|
| Membership and access | Current permanent and fixed-term ANZ employees can join, as can partners of current members. Existing members can generally stay after leaving ANZ. A former employee who never joined cannot assume they can enter later. Sources1234 | Firefighters start in the Defined Benefit Account. Different rules apply to other permanent, temporary and casual employees of DFES and associated employers. Spouse and retained accounts are available under their own eligibility rules. Sources12345 |
| Accounts and products | ANZ Australian Staff Superannuation Scheme. This is separate from ANZ Smart Choice Super. Employee Section Personal Section Partner Section Retirement Section Sources1234 | Fire and Emergency Services Superannuation Fund in Western Australia. Compare its accumulation accounts separately from defined benefits. Defined Benefit Account Accumulation Account Retained Benefit Account Spouse Account Account Based Pension Sources12345 |
| Investment choices | Balanced Growth (ANZ Staff MySuper) There are four options: Aggressive Growth, Balanced Growth, Cautious and Cash. Members can combine them. This is a compact investment menu for people who want a few clear choices. Sources1234 | Smoothed option for accumulation accounts Accumulation members have six choices: Smoothed, Moderate, Cash, Fixed Interest, International Shares and Australian Shares. The Smoothed option can set aside some returns in stronger years and release reserves in weaker years, at the board's discretion. Sources12345 |
| Insurance | Eligible Employee members can receive automatic death and TPD cover and apply for salary continuance. Partner members apply for cover. Cover, premiums and continuation rules vary by section; current rebates should not be assumed permanent. Sources1234 | The defined benefit has employment-related death and disability provisions, with separate income protection arrangements. Accumulation insurance uses different terms. Check occupation, account type and employment status before comparing cover. Sources12345 |
| Retirement income | The Retirement Section offers retirement income and transition-to-retirement accounts, subject to eligibility and minimum balance requirements. Sources1234 | Members can retain eligible savings or use an account-based pension. Converting a defined benefit into accumulation can be irreversible under the scheme rules. Sources12345 |
| Comparing investment performance | Use ANZ Staff MySuper for the default investment comparison, then check the member section and insurance separately. Sources1234 | Any investment comparison on this profile applies to the named accumulation option. Obtain a scheme benefit estimate before assessing a defined benefit transfer. Sources12345 |
THE SUPERGURU VIEW
The employee benefits make this worth examining before an ANZ employee switches elsewhere. Use the section you will actually hold: a comparison based on Employee pricing can give the wrong answer for a partner or former employee.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
For a firefighter, the starting point is the value of the employment-linked benefit and cover. A return chart cannot price those entitlements. For an accumulation member, the unusual Smoothed option deserves attention: smoothing changes when returns are credited, without removing investment risk.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
Use the membership rules to establish which accounts are available to you. Then compare the total price of the investment option and cover you need. A lower fee or higher historical return alone does not tell you which fund is suitable.
Ask both funds to confirm insurance acceptance, exclusions, waiting periods and whether cover would change when you leave your employer. Obtain advice before giving up a defined benefit or an insurance policy you may not be able to replace. ASIC Moneysmart explains the comparison checks.
Read the full ANZ Staff Super profile · Read the full FES Super profile · Choose another comparison
Checked 2026-09-11. Documents and product terms can change after this date.
Checked 2026-09-11. Documents and product terms can change after this date.