Here's what you need to get started:
- Your contact details
- Your tax file number (optional)
I've downloaded the Product Disclosure Statement (PDS) and understand that it is important to consider before deciding whether this product is right for me.
The Target Market Determinations (TMD) for our financial products can be found at cfs.com.au/tmd and include a description of who the financial product is appropriate for.
Here’s a small sample from our wide range of investment options
Acadian Sustainable Global Equity*
10.81% p.a.
Ausbil Australian Active Equity*
7.73% p.a.
CFS Balanced*
5.11% p.a.
Always remember that past performance is no indication of future performance.
Frequently asked questions
The best super strategy for you will depend on your personal circumstances, investment timeframe, financial goals and risk tolerance. Because everyone's financial needs are different we offer a range of professionally constructed ready-made options to suit different risk profiles, or you can tailor your own portfolio. We also offer low risk options for those that are undecided about their long-term investment strategy. If you need help making an investment decision, we recommend speaking to a financial adviser. Find an adviser
Yes, you can switch investment options at any time. As your personal circumstances change you may want to switch to a different option. Keep in mind transaction costs will apply. Switch form
Once your account has been created, you will receive your account number which you can easily pass on to your employer along with the fund details. Find out more
Our passion for performance and service is why we’re one of the most awarded super funds in Australia
Canstar
Provider of the Year
Managed Funds 2019/2022
Money Magazine
Best of the Best 2022
Highest Super Performer
Finder Awards
Best Rated Brand
Retail Super Fund 2020/2021
We’ve helped over 3 million Australians unleash their second half. Are you ready?
I’ve downloaded the Product Disclosure State (PDS) and understand that it is important to consider before deciding whether this product is right for me.
The Target Market Determinations (TMD) for our financial products can be found at cfs.com.au/tmd and includes a description of who the financial product is appropriate for.
Unleash in ways you never thought possible
Get in touch
Get in touch with us online or call us
18 - 20 December 8.30am to 5pm AEST
21 - 22 December, 9am to 3pm AEST
27 - 29 December, 9am to 3pm AEST
2 - 5 January, 8.30am to 5pm AEST
Find a financial adviser
Use our tool to find professional financial advice,
local to you.
Download mobile app
Track your balance and see your
transactions history from anywhere.
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.
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.
* Performance as at 31 October 2023.
** Sourced from Chant West December 2022 Super Fee Survey, based on an account balance of $50,000.
Here's what you need to get started:
- Your contact details
- Your tax file number (optional)
- 2 forms of ID (Australian driver licence, Australian passport, Medicare card, or Centrelink concession card)
I've downloaded the Product Disclosure Statement (PDS) and understand that it is important to consider before deciding whether this product is right for me.
The Target Market Determinations (TMD) for our financial products can be found at cfs.com.au/tmd and include a description of who the financial product is appropriate for.
Here’s a small sample from our wide range of investment options
FirstRate Cash Fund^
4.81% p.a.
Target return
CFS Global Technology & Comms Fund*
17.12% p.a.
Net returns ten year average
First Sentier Geared Share Fund*
10.52% p.a.
Net returns ten year average
Always remember that past performance is no indication of future performance.
Frequently asked questions
When choosing an investment option or a range of investment options, you should consider the likely investment return of each option, your personal circumstances, risk tolerance, investment timeframe and financial goals. You can choose one option or a combination of different options. We offer multi-manager portfolios which are pre-mixed for you and single manager options which allows you to tailor your own portfolio. If you need help making an investment decision, we recommend speaking to a financial adviser. Find an adviser
You can transfer your money into other investment options at any time once your account is open. Keep in mind transaction costs will apply. Learn more
CFS has a wide range of investment options to choose from. Understanding the details about each of our options is important in helping you decide how suitable a particular option is to your needs. Here are some of the key terms and descriptions to help you review and compare the different options available to you. Learn more
We're consistently awarded for our high performance, service, and innovation.
Canstar
Provider of the Year
Managed Funds 2019/2022
Money Magazine
Best of the Best 2022
Highest Super Performer
Wealth Insights
Winner - FirstChoice ranked #1 in Value for Money 2022
Unleash in ways you never thought possible
Get in touch
Get in touch with us online or call us
18 - 20 December 8.30am to 5pm AEST
21 - 22 December, 9am to 3pm AEST
27 - 29 December, 9am to 3pm AEST
2 - 5 January, 8.30am to 5pm AEST
Find a financial adviser
Use our tool to find professional financial advice,
local to you.
Download mobile app
Track your balance and see your
transactions history from anywhere.
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 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.
^Available in FirstChoice Wholesale Investments only. Investment returns and capital repayment are not guaranteed. Returns will fluctuate over time and are after fees. Past performance is not indicative of future performance. Withdrawal requests received on a NSW business day prior to 3pm (Sydney time) will typically be processed on the next business day, subject to any unforeseen outages or circumstances.
*The CFS risk measure for the growth funds is Very High. For the First Sentier Wholesale Geared Share fund, gearing magnifies both gains and losses. Minimum suggested timeframe to hold investments is at least 7 years. Investment returns and capital repayment are not guaranteed. Returns are for investments under FirstChoice Wholesale Investments after fees, as at 31 October 2023. Superannuation returns will vary. Past performance is not indicative of future performance.
Here's what you need to get started:
- Your contact details
- Your tax file number (optional)
I've downloaded the Product Disclosure Statement (PDS) and understand that it is important to consider before deciding whether this product is right for me.
The Target Market Determinations (TMD) for our financial products can be found at cfs.com.au/tmd and include a description of who the financial product is appropriate for.
Our retirement products could help you maximise your income in retirement
Pension
FirstChoice Wholesale Pension is designed for investors who wish to convert their superannuation benefits into an allocated or pre-retirement pension.
Annuities
An annuity could be a great option for investors who want a guaranteed income for a fixed term or over their lifetime.
Frequently asked questions
It's an exciting time when you're finally able to access your retirement savings. Generally, once you reach your preservation age, you're eligible to start a Transition-To-Retirement (TTR) pension. If you also retire at your preservation age, you're eligible to start an account-based pension (also known as an allocated pension) - which offers the added flexibility of lump sum withdrawals. Learn more
Your main options are to either convert your super into an income stream; or take it all out as a one-off lump sum payment. Alternatively, you can do a combination of both. There are three main types of income streams; Transition-To-Retirement (TTR) pension, account-based pension (allocated pension) and non-account-based pension (eg. An annuity). Find out more
An annuity guarantees you a regular income for a defined period of time or for the rest of your life. You can buy one using a lump sum from your super or from savings outside of super. Just how much income you'll receive is determined by how much you invest, the term of the annuity, how much residual capital you want at the end of the term (if any), and the interest rate at the time you invest along with any other product options you select. Learn more
An account-based pension, also known as an allocated pension, is set up with money from your super that is invested by the trustee on your behalf. Withdrawals from the account are paid to you as an income. The balance of your account will go up or down depending on the performance of the investments in the account and the amount you withdraw. Unlike an annuity, the return on your investment is generally not guaranteed. Learn more
Unleash in ways you never thought possible
Get in touch
Get in touch with us online or call us
18 - 20 December 8.30am to 5pm AEST
21 - 22 December, 9am to 3pm AEST
27 - 29 December, 9am to 3pm AEST
2 - 5 January, 8.30am to 5pm AEST
Find a financial adviser
Use our tool to find professional financial advice,
local to you.
Download mobile app
Track your balance and see your
transactions history from anywhere.
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.
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.
Your TFN reduces the risk of administrative errors, because your TFN is unique and helps identify you. There’s also less chance that extra tax will be withheld from any payments we make to you.
The number will be displayed on your income tax notice (notice of assessment), group certificate or super statement. You can also find it by logging in to myGov.
If you don't yet have a TFN, you can apply for it online. You’ll keep the same 9-digit number for life – even if you change your name, address or job.
You may be out of pocket. If you don't provide us with your TFN, or claim an exemption, we must withhold money at the highest marginal tax rate (plus applicable levies).
This will mean applying a tax rate of 47% to any payments we make to you as required by the ATO.