FirstChoice Employer Super is designed and delivered by experts in super and retirement savings.


It offers your employees: 

  • access to some of the world’s leading fund managers 
  • among the lowest super administrative fees available in Australia
  • 65 professional grade investment options to choose from
  • Award-winning performance

Investment choice for your employees

FirstChoice Employer Super includes a range of options to support your employees’ financial needs. Our default CFS Lifestage option is designed to change with employees as they age, adjusting the investment mix to ensure it remains age-appropriate. 

Employees can choose their investment mix

In addition to our default MySuper option, your employees can choose from a range of other investment options – meaning members can leave their investment choices to the experts or tailor their own portfolio .


These different options include sustainable investment strategies and different investment mixes to tailor to individual risk appetites, giving employees more control over how their retirement savings are invested.

Insurance within FirstChoice Employer Super

As a member of FirstChoice Employer Super, your employees will have access to valuable insurance cover that can protect them when something unexpected happens.  


This can give your employees and their loved ones a financial safety net in the event of serious injury or illness, and even death.  


Your employees will have access to: 

  • life cover (also called death cover) which pays a lump sum benefit if an employee dies or becomes terminally ill 
  • total and permanent disablement (TPD) cover, which pays a lump sum benefit if an employee become totally or permanently disabled  
  • salary continuance insurance (SCI), which pays monthly benefits to employees who are unable to work for extended periods due to total or partial disability. 


FirstChoice Employer  Super also offers a range of insurance options enabling employers to design automatic cover that is affordable and right for their employees.


This is called employer selected cover and will be automatically provided to eligible employees when they are at least 25 years old, and their account balance reaches $6,000 or more.   

FirstChoice Employer Super’s insurance options

Employer selected cover
Employer selected cover

Automatic cover available to most eligible employee members. Your employee will receive an amount based on your insurance selections.

Member selected cover
Member selected cover

Your employees can also apply for cover that is suited to their needs. To do this, employees will need to complete an insurance application form and be accepted by our insurer. This is also available for your employees' spouse and your ex-employee members (retained benefit members). 

Life events option
Life events option

Your employees can increase their death and TPD cover without providing medical evidence for major life events, such as marriage, birth of a child or buying a house.  

FirstBenefits Membership Reward Program

Members shouldn’t have to wait until retirement to benefit from their super. 


When your employees are FirstChoice Employer Super members, they can enjoy an 8% discount on health insurance with CBHS Corporate Health. To access this offer, fund members can visit and enter the discount code CFS8DCCH, or call member care on 1300 586 462 for more details.

Keep track with the CFS app

Your employees have their account information at their fingertips with our handy app.


They’ll be able to:

  • review their account balance
  • review their insurance
  • see how their money is invested
  • update their personal details
  • get tips for managing their account.
Talk to a Relationship Manager

Talk to a Relationship Manager

Learn more about FirstChoice Employer Super. Contact us on 1300 654 666, Monday to Friday, 8:30am to 6pm (Sydney time).

Alternatively, download the employee member Product Disclosure Statement (PDS) here

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Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products. Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments.Information on this webpage is provided by AIL and CFSIL. It 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, 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 or by calling us on 13 13 36. Past performance is no indication of future performance.