Choose from CFS Lifestage, our MySuper product, or a wide range of investment options from well‑respected Australian and international fund managers.

CFS Lifestage - our MySuper investment option.


CFS Lifestage is a smart investment option that changes with you throughout your working life.


If you don't make an investment selection, then all contributions made on your behalf are placed in the CFS Lifestage option according to your year of birth.1


Rather than having a fixed investment strategy for life, CFS Lifestage adjusts your investment mix as you get older, so your investment strategy automatically changes so that it is appropriate for your age


While you are young, with more time to ride out the ups and downs of investment markets, more of your super will be invested in growth assets, such as property and shares. These assets have a greater potential to deliver higher returns and grow your retirement savings above inflation.


As retirement gets closer you have less time to recover from any short-term losses, so more of your super will be invested in defensive assets, such as cash and fixed interest, to provide greater stability.


The good news is this happens automatically. So even if you don't actively manage your super, your super will manage itself.

It's your super. It's your choice.


FirstChoice Employer Super gives you the option of selecting your risk profile and choosing from our wide range of investment options across different asset classes and investment managers.


You can also choose from:

  • Multi‑manager portfolios, which are pre‑mixed, and/or
  • Single manager investments, allowing you to tailor‑make your portfolio.


When your contributions are invested in FirstChoice Employer Super, your money is combined with other investors' money in FirstChoice Employer Super fund. Each FirstChoice investment options is a separate option within the fund.


Each investment option is managed according to its objectives and has a different level of risk and potential level of returns.


To find out more, please speak to your financial adviser or contact us on 1300 654 666, Monday to Friday 8:30am to 6pm, Sydney time. If you don't have an adviser, you can search for one in your local area using our Find an adviser tool.



1. Some plans may have different investment defaults. Refer to your Welcome Kit or FirstNet for more information.


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Highest Super Performer - FirstChoice Employer - CFS Geared Share Select

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Best of the Best



Best Fixed Interest Pension Product

- FirstChoice Wholesale Pension - First Sentier Global Credit Income

Money magazine

Best of the Best



Highest Pension Performer - FirstChoice Wholesale Pension - CFS Geared Share 

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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.