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Employer super that’s anything but average

Get the super experience you
(and your team) deserve

We’re focussed on strong, long-term performance

We’re focussed on strong, long-term performance

Strong returns for MySuper members in the year ending June 2023.




Consistently low <br>fees

Consistently low

Annual fees that are at least 24% lower on average when compared to retail funds.




Insurance cover you <br>can trust

Insurance cover you
can trust

94% of claims were accepted for CFS super products in the calendar year ending December 2022.3



"Passionate & knowledgeable service and advice for our Group is what has contributed to CFS being our choice as our default super fund for over 10 years now.  I am delighted with the service provided which is always very prompt and professional. The expertise given to our staff, their members, cannot be faulted."


Jodie Usher, Payroll Manager, Ray White

We support over 6,000 Australian businesses*

Chat to our Australian-based call centre

Chat to our Australian-based call centre

In the 4 months from July to October 2023, we’ve resolved 97% of employer queries in the first call.^

Not your average customer service

Not your average customer service

Our Australian call centre has been rated 9/10 by our customers in 2023^^

Making super simple for you and your team

Making super simple for you and your team

We’ll make sure you stay on top of the ever-changing super regulations for your company.

Why choose CFS?

With strong performance and low fees, FirstChoice Employer Super can help put you and your team on track for a retirement that’s anything but average.


How can we help today?

Employer super updates

CFS delivers double-digit returns

Article 21 July 2023


Strong returns saw CFS outplace other super providers despite challenging market conditions for the financial year ending 30 June 2023.


Federal Budget 2023-24

Article 8 May 2023


The government maintained its election promise to leave super unchanged. Instead, the focus was on easing the cost of living while keeping a rein on inflation.

Annual Members Meeting

The CFS Annual Members’ Meeting (AMM) was hosted online 12 February 2024.





Unleash in ways you never thought possible

Get in touch

For technical enquiries contact us

8:30am - 6pm AEST Monday to Friday

Contact a Relationship Manager

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1 Actual return may be different depending on which Lifestage investment option members are invested in, and when transactions into and out of the options were made. Past performance is no indication of future performance.


2 The fee comparison is for MySuper products. Fees are compared on the Lifestage 1965-69 option for a member balance of $50,000 and may vary for different age cohorts. The Chant West Super Fund Fee Survey compares the Lifestage option that is closest to 73% growth assets, which is consistent with the average risk and return profile of most non-lifecycle products. Total fees and costs include administration fees and costs, investment fees and costs and net transaction costs on a gross of tax basis. Industry averages are calculated on a weighted average basis. This comparison has been prepared by CFS using data sourced from the Chant West Super Fund Fee Survey, effective 30 June 2023 and is based on information provided to Chant West by third parties, that is believed accurate at the time of publication. Fees may change in the future which may affect the outcome of the comparison. Chant West may make adjustments to fees and costs for comparison purposes and therefore data may vary to other published materials. 


3 Source: AIA Australia.


* As at 30 September 2023.


^ CFS Customer Satisfaction surveys from 3 July to 6 October 2023.


^^ CFS Contact Centre surveyed over 16,000 FirstChoice members in the last financial year and 82.6% of them rated a 9 or 10 out of 10 for our service.                                    



Employer Use Only 

Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the issuer of FirstChoice Employer Super offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557. 


This document may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at www.cfs.com.au/tmd, which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at www.cfs.com.au or by calling us on 1300 654 666. All applications for these products must be on the application form attached to the PDS, which can be completed online (other than for FirstChoice Employer Super) or on paper. Applications for FirstChoice Employer Super can be made by speaking to your employer or Relationship Manager (RM). Past performance is no indication of future performance.


The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). AIA Australia is not part of the Commonwealth Bank Group or CFS. The respective insurance covers are provided under policies issued to the Trustee.