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.
Closing retail fund product
Hejaz announced in August 2026 that its super and pension product is closing. Rollovers and redemptions are delayed while underlying investment unit prices are finalised.
This profile is for existing members and people researching the former offer. It should not be used as a joining option.
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 | Hejaz Islamic Super and Pension |
|---|---|---|
| Membership and access | The product is intended to be used with financial planning support; check the current application requirements. Sources123 | This profile is for existing members and people researching the former offer. It should not be used as a joining option. Sources12 |
| Accounts and products | Fiducian Superannuation Service. Sources123 | Hejaz Islamic Super and Pension, undergoing closure. Sources12 |
| Investment choices | A selected managed-fund menu, Fiducian multi-manager funds, managed share and property-securities portfolios, fixed-interest securities and term deposits. Sources123 | The product site describes Growth, Balanced and Conservative portfolios based on Islamic investment principles. These descriptions explain the product; they are not an invitation to invest during closure. Sources12 |
| Insurance | Multiple insurance options are available under the relevant documents. Sources123 | Existing members should obtain written confirmation of any cover and its treatment during the closure before moving or cancelling another insurance arrangement. Sources12 |
| Retirement income | Account-based and existing term allocated pension portfolios are described in the product offering. Sources123 | The pension product is covered by the same closure and transaction-delay notices. Sources12 |
| Advice and support | Fiducian financial planning is central to the service; obtain an agreed advice scope and total fee quote. Sources123 | Contact the trustee and member service for account-specific closure instructions. Advice may help members compare a replacement fund and the implications for insurance. Sources12 |
| 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 account's current statement, PDS and closure notices for charges during the transition. Old marketing fee examples do not explain the final transfer amount. Sources12 |
| 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 | Delayed underlying unit pricing means a displayed balance may not establish the amount ultimately paid or rolled over. Sources12 |
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
An information page for affected members. The immediate task is understanding the closure process and the available 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 Fiducian profile · Read the full Hejaz Islamic Super and Pension 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.