Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
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.
Retail fund brand
GuildSuper is retaining its brand while transferring into Smart Future Trust. The transition is still underway on the research date, so current notices matter more than an old fee table.
Use the current GuildSuper joining documents and the transfer notice. The brand remains available, although some member transactions are temporarily limited during the transition.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
The costs and returns belong to the selected product, option or lifecycle stage.
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 | FES Super | GuildSuper |
|---|---|---|
| Membership and access | 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 | Use the current GuildSuper joining documents and the transfer notice. The brand remains available, although some member transactions are temporarily limited during the transition. Sources12 |
| Accounts and products | 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 | GuildSuper accumulation and pension products. Sources12 |
| Investment choices | 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 | The transfer introduces a refreshed investment menu and maps existing balances to comparable new options. Check the mapping for the precise option instead of assuming its old name and asset mix persist. Sources12 |
| Insurance | 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 | The transfer notice says insurance cover and policy terms remain the same, but the insurance administration fee increases. Sources12 |
| Retirement income | 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 | Pension members remain in GuildSuper. The notice adjusts some September payment dates and temporarily limits member-initiated withdrawals and switches. Sources12 |
| Comparing investment performance | Any investment comparison on this profile applies to the named accumulation option. Obtain a scheme benefit estimate before assessing a defined benefit transfer. Sources12345 | Any future comparison spanning the transfer needs the option mapping and strategy-history note. Do not splice two different strategies without explanation. Sources12 |
| Advice and support | This detail has not been verified for this profile. Check the current product documents. | Use the current contact and advice information in the product disclosure. Confirm the service and price before commissioning personal advice. Sources12 |
| Fee details to check | This detail has not been verified for this profile. Check the current product documents. | New fund details apply to contributions from 5 September 2026. Compare the fee schedule applying after the transfer, including the higher insurance administration fee. The notice says most members are expected to pay lower overall fees, not all members. Sources12 |
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.
THE SUPERGURU VIEW
Most immediately useful for existing GuildSuper members checking where their account is going and how their particular fees change.
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 FES Super profile · Read the full GuildSuper 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.