Compare what each fund offers, then choose investment options to put their published costs and returns side by side.
Retail platform
Fiducian Superannuation Service is an advised master trust combining a selected managed-fund menu with super and pension administration.
The product is intended to be used with financial planning support; check the current application requirements.
Retail fund brand
Future Super offers five sustainably screened investment options and a pension product. Its exclusions are a central part of the product, so the screening policy deserves as much attention as the returns table.
Public membership is available under the current PDS and target market determination.
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 | Fiducian | Future Super |
|---|---|---|
| Membership and access | The product is intended to be used with financial planning support; check the current application requirements. Sources123 | Public membership is available under the current PDS and target market determination. Sources1234 |
| Accounts and products | Fiducian Superannuation Service. Sources123 | Future Super accumulation and pension. Sources1234 |
| Investment choices | A selected managed-fund menu, Fiducian multi-manager funds, managed share and property-securities portfolios, fixed-interest securities and term deposits. Sources123 | Sustainable Moderate, Sustainable Balanced Growth, Sustainable Alternatives Growth, Sustainable Growth and Sustainable High Growth. The fund says every option screens out defined fossil-fuel, weapons and gambling companies. Sources1234 |
| Insurance | Multiple insurance options are available under the relevant documents. Sources123 | Insurance is available for super accounts; it is not available for pension account holders. Sources1234 |
| Retirement income | Account-based and existing term allocated pension portfolios are described in the product offering. Sources123 | A pension account allows regular income from retirement savings. It has separate fees and investment return information. Sources1234 |
| Advice and support | Fiducian financial planning is central to the service; obtain an agreed advice scope and total fee quote. Sources123 | Account-related coaching and personal advice are generally included, with exceptions such as some pension advice. The service does not cover comprehensive advice about all outside assets. Sources1234 |
| Fee details to check | Add super administration, underlying fund and portfolio costs, transactions and financial advice. Compare the cost of the actual proposed mix. Sources123 | Use the current option-specific total fee table, including administration and investment costs. Insurance remains separate. Sources1234 |
| Comparing investment performance | The member's chosen mix determines returns. Performance of one Fiducian managed fund is not the performance of every super account. Sources123 | Check inception dates and any option changes. Ethical screening changes the investment universe, so compare risk and portfolio composition as well as fees. Sources1234 |
THE SUPERGURU VIEW
Relevant for people who want an advised relationship and will use the service rather than simply hold a default option.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE SUPERGURU VIEW
Worth researching when the stated exclusions match a person's values and the selected option matches their investment needs.
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 Fiducian profile · Read the full Future 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.