Your fund options
This is a portfolio of funds matching your risk profile. Each fund is diversified and invests in a mix of asset classes. Allocate a percentage of your portfolio to your preferred funds. For example, allocate 100% to one fund and 0% for the rest, or spread your allocation equally across all funds. For more options, review your risk profile or tailor your own portfolio to choose from all available CFS funds.

Returns
Returns are calculated on a cumulative year-on-year basis which are then annualised. For funds that have been in existence for less than one year, the since inception performance is actual performance since inception and not annualised. Calculations are based on exit price to exit price with distributions reinvested, after ongoing fees and expenses but excluding individual tax, member fees and entry fees (if applicable). Past performance is not an indicator of future performance for this option or any other option available from Colonial First State.

Fees
We calculate fees as a percentage of your money invested. Refer to the PDS for fee details on all funds.

The returns shown reflect past performance only and are not an indication of future performance.  Where the return is greater than one year, the amount has been annualised (i.e. recalculated as an annual rate). 

Note for diversification: If you decide to invest all or a large proportion of your portfolio in a single sector or investment option, particularly in a higher investment risk category, it may reduce the level of diversification within your portfolio and may increase the risk of losses in the value of your account. The trustee provides suggested diversification guidelines. Please refer to the Investment Options Menu for more information.