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We offer a wide range of low-cost index options that can give your clients access to investment opportunities across the world. Our diverse range of index options covers almost every industry sector and asset class. Start building your client portfolios with some of the lowest index option rates being offered in Australia. 

What's your client's total portfolio fee?

We’ve compared the total portfolio fees of our CFS Index Australian Share option to other major retail providers and we’re confident that FirstChoice Wholesale offers some of the lowest index fund rates in Australia.

Graph 1: Retail super fund fee comparison

Graph 1: Please refer to the bottom of this page for competitors used, important information and assumptions that have been made for this comparison.

How higher fees can affect your client’s account balance over time

Our simple, low total portfolio fee for our CFS Index options means clients can have more of their money invested over time.

For our CFS Index Series options in FirstChoice, your clients pay just one flat, low fee - this includes both the Investment fee and Administration fee. No additional dollar-based fees apply.

To show you how our low-cost fee structure can benefit your clients over time, we've compared the cost of investing in the CFS Index Balanced option in FirstChoice Wholesale Personal Super - just 0.35% pa - with the cost of investing in a higher cost portfolio, with a fee of 0.90% pa.
 

Graph 2

Graph 2: Please refer to the bottom of this page for important and assumptions that have been made for this graph.

  • Fees on Colonial First State index options pa

     

    Index option Investment Personal Super Retirement Pension Pre-Retirement Pension
    Total cost of product Investment fees and costs (pa) + Admin fees and costs (pa) = Total cost of product Investment fees and costs (pa) + Admin fees and costs = Total cost of product Available
    in TTR?    		 Investment fees and costs (pa)+ Admin fees and costs + Total cost of product
    Conservative
    		 0.31% 0.15% 0.20% 0.35% 0.14% 0.20% 0.34% Y 0.14% 0.20% 0.34%
    Diversified 0.31% 0.15% 0.20% 0.35% 0.15% 0.20% 0.35% Y 0.15% 0.20% 0.35%
    Moderate 0.32% 0.15% 0.20% 0.35% 0.15% 0.20% 0.35% Y 0.15% 0.20% 0.35%
    Balanced 0.31% 0.15% 0.20% 0.35% 0.15% 0.20% 0.35% Y 0.15% 0.20% 0.35%
    Growth 0.31% 0.15% 0.20% 0.35% 0.15% 0.20% 0.35% Y 0.15% 0.20% 0.35%
    High Growth 0.31% 0.15% 0.20% 0.35% 0.15% 0.20% 0.35% Y 0.15% 0.20% 0.35%
    Australian Bond 0.31% 0.14% 0.20% 0.34% 0.14% 0.20% 0.34% Y 0.14% 0.20% 0.34%
    Global Bond 0.31% 0.18%
    		 0.20% 0.38% 0.18% 0.20% 0.38% Y 0.18% 0.20% 0.38%
    Australian Share 0.31% 0.14% 0.20% 0.34% 0.14% 0.20% 0.34% Y 0.14% 0.20% 0.34%
    Global Share 0.31% 0.15% 0.20% 0.35% 0.14% 0.20% 0.34% Y 0.15% 0.20% 0.35%
    Global Share – Hedged 0.33% 0.18% 0.20% 0.38% 0.17% 0.20% 0.37% Y 0.17% 0.20% 0.37%
    Property Securities 0.31% 0.14% 0.20% 0.34% 0.14% 0.20% 0.34% Y 0.14% 0.20% 0.34%
    Global Property Securities 0.33% 0.17% 0.20% 0.37% 0.17% 0.20% 0.37% Y 0.17% 0.20% 0.37%
    Global Listed Infrastructure
    Securities    		 0.32% 0.16% 0.20% 0.36% 0.16% 0.20% 0.36% Y 0.16% 0.20% 0.36%
    Geared Australian Share 0.51%(g)/1.13%(n) 0.42%(g)/0.93%(n) 0.09%(g)/0.20%(n) 0.51% (g)/1.13%(n) 0.42%(g)/0.93%(n)
    		 0.09%(g)/0.20% 0.51% (g)/1.13%(n) N N/A N/A N/A
    Geared Global Share 0.51%(g)/1.13%(n) 0.42%(g)/0.93%(n) 0.09%(g)/0.20%(n) 0.51% (g)/1.13%(n) 0.42%(g)/0.93%(n)
    		 0.09%(g)/0.20%(n) 0.51% (g)/1.13%(n)
    		 N N/A N/A N/A

    For more information about the fees and costs on FirstChoice, please download our Product Disclosure Statement (PDS).

Get in touch

To find out how other major retail providers compare to CFS, ask for one of our experienced BDMs to contact you.

WHY CHOOSE CFS INDEX OPTIONS FOR YOUR CLIENTS

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16 low-cost INDEX OPTIONS AVAILABLE

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HELPING YOUR CLIENTS UNDERSTAND INDEX INVESTING

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Portfolio Holdings Tool

Our Portfolio Holdings Tool gives your clients the next level of transparency of the underlying assets in their investment options.

Clients can see the names of familiar companies held in each investment option to help them understand where their money is invested.

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I'd like to hear more

Find a BDM

Download a pds

SEVEN MYTHS OF INDEX INVESTING BY SCOTT TULLY
Graph 1: Important information and assumptions - Retail super fund fee comparison - Australian Share Index Options
  1. The fees shown above are total fees including administration and investment fees for Australian shares index options available on each platform in the comparison set. Fees assume nil balance in the Cash Account for wrap products.
  2. Fees are at 31 January 2022 and are gross of income tax of 15%. Transaction fees have not been included in the comparison - these fees apply in HUB24.
  3. This comparison includes Colonial First State FirstChoice Wholesale (CFS Wholesale Index Australian Share), AMP SignatureSuper (AMP Australian Share Index), AMP MyNorth Super (Vanguard Australian Shares Index), BT Panorama Compact (BT Australian Shares Index), HUB24 Super Choice (Vanguard Australian Shares Index), Macquarie Super Manager II (Vanguard Australian Shares Index), MLC MasterKey Super Fundamentals (Vanguard Australian Shares Index), MLC Wrap Super Series 2 Full (Vanguard Australian Shares Index), Netwealth Accelerator Core (Netwealth Australian Equities Index) and OnePath OneAnswer Frontier Super (OnePath Australian Shares Index).
  4. CFS FirstChoice Wholesale Personal Super has either the lowest total cost or second-lowest cost across all balances for an Australian Shares index option in this comparison set of retail products and their respective passively managed Australian Shares investment options.

 

Disclaimer: © Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872 under AFS Representative Number 1280401, 2022. The data provided by Chant West is based on information supplied by third parties and does not contain all the information required to evaluate the nominated service providers, you are responsible for obtaining further information as required. Data is provided in good faith and is believed to be accurate, however, no representation, warranty or undertaking in relation to the accuracy or completeness of the data is provided. Fees may change in the future which may affect the outcome of the fee comparison. Data provided is subject to copyright and may not be reproduced, modified or distributed without the consent of the copyright owner. Except for any liability which can not be excluded, Chant West does not accept any liability whether direct or indirect, arising from use of this data.

 

Graph 2: Important information and assumptions - How higher fees can affect your client's account balance over time

This comparison is intended for illustrative purposes only. The projected amounts are shown in today's dollars, are hypothetical in nature and use the following assumptions and methodology to estimate the super balance over time based on total portfolio fees. The actual money a client has in their account may be very different to this estimate. Although the assumptions are considered reasonable by us, we provide no guarantee in relation to any projected values estimated. These projections assume a 7% annual investment rate of return, and do not reflect actual investment results and are not guarantees of future results. Fees will impact your client’s portfolio even during periods of negative market performance. It is important to note that there may be other fees that may impact your client’s superannuation balance such as adviser service fees deducted from your client’s account. Also, there may be (indirect) fees or costs that are taken into account in the calculation of investment returns. These fees are assumed to be taken into account in the investment return. The chart assumes no contributions, rollovers, other deposits or transactions and is not representative of any actual investment, product, or fee structure. No considerations have been made with respect to tax implications. We have used a flat fee of 0.90% p.a. to represent a hypothetical competitor retail index offering. This is approximately equivalent to the fee of the median super fund used in graph 1 at an account balance of $50,000.

 

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