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.
Industry fund
REI Super is built around real estate and property work, including the insurance needs of people paid by commission. Membership is open beyond that industry.
Anyone can join, including people outside real estate, subject to the product rules. Industry membership is not a requirement.
Choose the actual investment pathway for each account. For lifecycle products, select the named stage relevant to you. No stage is selected automatically.
| Measure | Choose an investment option | Rei Super MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 8.45% |
| 5-year return, per year | Choose an option | 5.61% |
| 7-year return, per year | Choose an option | 6.28% |
| 10-year return, per year | Choose an option | 6.45% |
| APRA strategic growth allocation | Choose an option | 73.25% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $480 a year (0.96%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $120 a year |
| 2026 performance test | Choose an option | Pass |
| 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 | FES Super | REI Super |
|---|---|---|
| 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 | Anyone can join, including people outside real estate, subject to the product rules. Industry membership is not a requirement. Sources1234 |
| 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 | Superannuation, transition-to-retirement and pension accounts. Sources1234 |
| 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 | Diversified and sector-specific investment options. Members can select their own investment mix. Sources1234 |
| 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 | Death, TPD and income protection are available, depending on age and employment status. The fund specifically describes insurance for commission-based salaries. Sources1234 |
| 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 | The default pension strategy combines Balanced and Cash and rebalances the allocation by age. The Cash allocation funds nearer-term income needs, while Balanced retains growth exposure. Sources1234 |
| 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 | Super and pension performance are published separately. Compare current returns across a shared date range and similar exposure to growth assets. Sources1234 |
| Advice and support | This detail has not been verified for this profile. Check the current product documents. | Members can access financial advice, including help with investment choice and retirement. Check the scope and cost of the service requested. Sources1234 |
| Fee details to check | This detail has not been verified for this profile. Check the current product documents. | Use the current schedule for super or pension and the chosen investment option. Compare any insurance quote using the same definition of commission income. Sources1234 |
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
Worth investigating for real estate salespeople and property professionals whose earnings pattern makes an ordinary salary-based insurance comparison incomplete.
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 REI 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.