All users of services accessible through this site agree to the terms and conditions set out below.
Products are issued by Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) or Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL).
Offers of units in the products will be made in the Product Disclosure Statement (PDS) for that product. PDSs describing each product are available from this site, by contacting Investor Services on 13 13 36 or from your financial adviser.
The relevant PDS and Financial Services Guide (FSG) should be considered before making a decision about any product. The PDSs and FSGs available from this site are available for residents of Australia only. They have been prepared having regard only to current Australian law and its interpretation, including, without limitation, taxation law. They do not directly or indirectly in any other place than in Australia:
- Constitute an offer of securities;
- Constitute an invitation to subscribe for securities, to enter into any legal agreement of any kind or to exercise any rights in relation to the offering of any financial product; or
- Amount to a solicitation for any business.
Information provided on, and available from, this site does not constitute financial or taxation advice. The information does not take into account the individual objectives, financial situation or needs of any individual and it is recommended that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision.
You should seek independent financial and taxation advice to determine if an investment is appropriate to your individual circumstances.
Any person who gives another person access to the application form must at the same time and by the same means give the other person access to the relevant PDS and any Supplementary PDS.
Accuracy of Information and Limitation of Liability
CFSIL and AIL do not warrant the accuracy, completeness or currency of information that is made available through this site. Neither CFSIL nor AIL will be liable for or in connection with any loss or damage arising from any inaccuracies, errors or omissions in information made available through this site. However, CFSIL and AIL will endeavour to ensure that information is updated as soon as practicable when it becomes aware that material changes have occurred.
CFSIL and AIL make no warranty that the use or operation of this site will be uninterrupted or error free or that the site is suitable for any particular purpose or has any performance, functionality or security features except as we are required to provide by law. To the extent permitted by law CFSIL and AIL's liability is limited to resupplying the services accessible through this site.
The Investment Risk
The funds offered in the PDSs available from this site are subject to investment and other risks, including possible delays in repayment and the loss of income and principal invested. The investment performance and the repayment of capital of CFSIL and AIL products is not guaranteed.
Valid Applications - Who may apply?
CFSIL and AIL will not accept an application for units received from any person it believes is not an Australian resident. The products offered by CFSIL and AIL are not available to persons who reside in any other country or jurisdiction outside of Australia, including the European Union.
Applications must be made on a form that is attached to a current PDS. PDSs can be obtained from CFSIL, AIL or alternatively from your financial advisor on request and without charge. All currency references are references to Australian dollars (unless otherwise specified). Accessing or using information relating to countries of which you are not a resident is done entirely at your own risk. Anyone wishing to acquire units in the funds will need to complete the application form that will be in or will accompany the relevant PDS.
Colonial, Colonial First State and related logos are trade marks registered in Australia. Copyright in the information provided on, and available from, this site is owned by Colonial First State Investments Limited. You may not alter or modify this information in any way. This information may be viewed on-line and may be reproduced in hard copy only for your personal reference. You may only use the trade marks and copyright material at this site with CFSIL’s express permission and in accordance with CFSIL’s directions from time to time. The use of, and creation of links to, this site (including use of Colonial First State trade marks and copyright material) are at the risk of the user and are subject to CFSIL’s rights and the user's general legal obligations. CFSIL makes no warranty and accepts no liability in relation to use of the trade marks outside Australia. For further information about creating links to this site and about using Colonial First State trade marks and other material, see our guidelines below or contact CFSIL on 13 13 36.
All rights in the various indices and index levels appearing on this website vest in the relevant index providers. You may not extract any index values from this website, or any publications appearing on this website, nor may you store, reproduce or further distribute such index values to any third party for any purpose in any format or by any means, including via the internet, any intranet or other type of network, except that you may store any such publications in print format, digitally as a pdf, or a similar medium for your own personal, non-commercial use. Financial products issued by CFSIL or AIL are not sponsored, endorsed, issued, sold or promoted by the index providers referred to on this website from time to time. No such index provider makes any representation regarding the advisability of investing in any financial product issued by CFSIL or AIL.
We understand that you may have concerns about your privacy and confidentiality while online. Rest assured we're committed to ensuring your privacy at all times when using our websites.
- You may link your site only to the home page of the Colonial First State site (www.cfs.com.au).
- You must display the Colonial First State URL and icon (incorporating Colonial First State trade marks or other material) clearly and prominently, without in any way damaging the reputation of Colonial First State or goods and services it provides, or suggesting any association between Colonial First State and other persons, organisations, goods or services, unless approved by Colonial First State.
- If CFSIL allows you to use Colonial First State trade marks or copyright material, you may use them only in accordance with its directions from time to time, using only material supplied or approved by CFSIL, without any alteration and incorporating notices indicating CFSIL's ownership of trade marks and copyright material.
- CFSIL may take legal action in respect of any use of CFSIL's name, trade marks or copyright material without CFSIL's permission, other than in accordance with CFSIL's directions or in breach of CFSIL's rights or your general legal obligations.
Things you should know
Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the issuer of FirstChoice Personal Super, FirstChoice Wholesale Personal Super, FirstChoice Pension, FirstChoice Wholesale Pension, FirstChoice Employer Super offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557. It also issues interests in the Rollover & Superannuation Fund (ROSCO) and Personal Pension Plan (PPP) offered from the Colonial First State Rollover & Superannuation Fund ABN 88 854 638 840. CFSIL also issues interests in products made available under FirstChoice Investments and FirstChoice Wholesale Investments.
Avanteos Investments Limited ABN 20 096 259 979, AFS Licence 245531 (AIL) is the trustee of the Avanteos Superannuation Trust ABN 38 876 896 681 which includes FirstWrap Plus Super and Pension, and is the operator of The Avanteos Wrap Account Service which includes FirstWrap Plus Investments.
The investment performance and the repayment of capital of CFSIL and AIL products is not guaranteed.
This document may include general advice but does not take into account your individual objectives, financial situation, needs or taxation circumstances. The Target Market Determinations (TMD) for our financial products can be found at www.cfs.com.au/tmd and include a description of who a financial product is appropriate for. You should read the relevant Product Disclosure Statement (PDS), Financial Services Guide (FSG) or Investor Directed Portfolio Service Guide (IDPS Guide) before making an investment decision and consider talking to a financial adviser. FirstChoice PDSs and the FSG can be obtained from www.cfs.com.au or by calling 13 13 36 and FirstWrap PDSs, FSGs and IDPS Guides can be obtained from www.firstwrap.com.au or from your adviser.