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
Vision Super now includes the former Active Super membership. Its current products need to be read alongside the transfer notices, because the merger did not make every historical option or insurance arrangement identical.
The fund has Super Saver and Personal products, plus existing defined benefit and retirement arrangements. Eligibility and insurance can differ by product.
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 | Vision MySuper |
|---|---|---|
| Return basis | Choose an option | MySuper net return after administration costs, $50,000 representative member |
| 3-year return, per year | Choose an option | 9.16% |
| 5-year return, per year | Choose an option | 6.69% |
| 7-year return, per year | Choose an option | 7.59% |
| 10-year return, per year | Choose an option | 8.14% |
| APRA strategic growth allocation | Choose an option | 76.58% |
| Reported total fees, net of tax, at $50,000 | Choose an option | $305 a year (0.61%) |
| Administration and advice costs, net of tax (included in total) | Choose an option | $115 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 | Vision 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 | The fund has Super Saver and Personal products, plus existing defined benefit and retirement arrangements. Eligibility and insurance can differ by product. Sources12345 |
| 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 | Super Saver, Personal, pension and transition-to-retirement products, with existing defined benefit arrangements. Sources12345 |
| 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 | A range of diversified and single-asset choices. Some former Active products retain their own history and disclosures. Vision's Diversified Bonds option closed in June 2026, while the former Active Managed Cash option was consolidated in October 2025. Sources12345 |
| 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 fund publishes separate insurance documents for Super Saver and Personal. Employment type, including casual employment, can affect the application process. Sources12345 |
| 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 and transition-to-retirement accounts are available. Existing lifetime or defined benefit pensions require their own scheme information. Sources12345 |
| 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 | Vision publishes separate performance information where needed for former Active options. Its notes distinguish super, transition-to-retirement and retirement pension returns because their tax treatment differs. Sources12345 |
| Advice and support | This detail has not been verified for this profile. Check the current product documents. | Vision Super Financial Planners can help with super and pension questions. The tailored-advice schedule sets out which services carry a fee. Sources12345 |
| Fee details to check | This detail has not been verified for this profile. Check the current product documents. | Use the current PDS for your product, not an old Active Super cost estimate. Former Active members should check their transfer notice and current statement. Sources12345 |
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
Especially relevant for existing Vision or former Active members assessing their current arrangements and comparing alternatives.
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 Vision 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.