With FirstChoice Employer Super, you’ll be providing your employees with access to a range of investment options. We support those who prefer the simplicity of an automated strategy, as well as those who enjoy taking a more active role in managing their super.

3 simple steps to choose your investment choice

Option 1: We do the work <br>(CFS Lifestage)<br>

Option 1: We do the work
(CFS Lifestage)



With CFS Lifestage, we set the investment mix according to the member’s age and adjust it over time.



Option 2: Member chooses their professionally constructed portfolio

Option 2: Member chooses their professionally constructed portfolio



(Multi-manager or multi-index options)
The member chooses from one or more of our professionally constructed multi-manager portfolios.

Option 3: Member tailors their own portfolio

Option 3: Member tailors their own portfolio


(Other multi-sector and single-manager options) The member can work with their adviser to set their asset allocation and choose from our investment menu.



FirstChoice Employer Super

FirstChoice Employer Super

Let us manage your investment mix with our CFS Lifestage option, or be more involved and choose from the Select range of investment options. For more information, download the investment options menu.

Our default investment option – CFS Lifestage

With different people needing different things from their super, it’s critical that the default option is adaptable. CFS Lifestage is an investment option that automatically adjusts member's investment mix to suit their lifestage. This means your employees can stay in one investment option where the asset mix changes as they get closer to retirement..
This approach aims to:

  • Reduce the impact of any volatile returns just prior to retirement
  • Maximise the potential for returns when the member is young

CFS Lifestage at a glance:

  • MySuper approved
  • Highly diversified
  • Auto-adjusts – The investment mix adjusts automatically as the member gets closer to retirement
  • Professionally managed – Delivered by the expert investment team at Colonial First State
View the CFS Lifestage option

View the CFS Lifestage option

CFS Lifestage is a smart investment option that automatically adapts to suit a member’s life stage. We do the hard work for you by automatically adjusting your investment mix as you get closer to retirement.

Investment choice and flexibility

Not all your employees will want to invest in the default option. More engaged investors may like to choose their investment mix. While for others, their personal circumstances may dictate the need for an investment mix that is different to others in their age group.
We offer these members the option of constructing their own investment portfolios from our comprehensive investment menu including a range of multi-manager and single manager options.

Unleash in ways you never thought possible

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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  https://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 13 13 36.