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Colonial First State (CFS) is one of Australia’s leading wealth management providers. CFS refers to Superannuation and Investments HoldCo Pty Limited ABN 64 644 660 882 and its subsidiaries which include Avanteos Investments Limited ABN 20 096 259 979 AFSL 245531 (AIL) and Colonial First State Investments Limited ABN 98 002 348 352 AFSL 232468 (CFSIL). 

Any financial services offered to you will be provided by either AIL or CFSIL. CFSIL and AIL each have an Australian Financial Services Licence granted under the Corporations Act to provide certain financial services to you.

The Financial Services Guide (FSG) is an important document which we are required to give to you under the requirements of our Australian Financial Services Licences. It provides you with information about us to help you decide whether to use the financial services we provide. Each FSG outlines the types of services and products we can offer to you. It also explains how we (and other relevant persons) are remunerated for these services and includes details of our internal and external complaints handling procedures and how you can access them.