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Personal Super

FirstChoice Wholesale Personal Super has more than 130 investment options across different asset classes and investment managers to tailor an investment portfolio that is just right for you.

Product snapshot

FirstChoice Wholesale Personal Super has a diverse range of investment options across different asset classes and investment managers to tailor an investment portfolio that is just right for you.

Asset classes Cash, Fixed Interest, Shares, Property and Infrastructure securities
Investment options 130+
Minimum initial investment $0
Fund managers 70+



With over 130 investment options on our platform, FirstChoice’s value for money is more than just competitive pricing.


Our brand is synonymous with service excellence.


We give you real choice and diversity across specialist boutiques.


  • You can choose from:

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

    You can choose one option or a combination of different options and you can transfer your money into other options at any time.

    How is FirstChoice Wholesale Personal Super structured?
    When you are invested in FirstChoice Wholesale Personal Super, your money is combined with other investors’ money in FirstChoice Wholesale Personal Super fund. Each FirstChoice Wholesale Personal Super investment option is a separate investment option within this superannuation fund. Each investment option invests in an underlying ‘pool’ which is managed according to the investment option’s objectives.

    In most cases, we are the responsible entity for the underlying pools, which are managed by each investment manager through a mandate arrangement.

  • Insurance is a very important part of your financial planning, as it provides you and your family with financial security should something unexpected happen to you. Linking insurance to your superannuation can potentially be both cost and tax-effective.

    Insurance cover is provided through group policies issued to the trustee. The insurance provider is AIA Australia Limited (AIA Australia, the ‘insurer’).

    Types of insurance cover

    FirstChoice Wholesale Personal Super offers a range of insurance cover options to suit your individual needs.

    These options are:

    • Death only cover
    • Death and Total and Permanent Disablement (TPD) cover
    • Salary Continuance Insurance (SCI) cover.

    Insurance cover can be increased (subject to assessment) or reduced to meet your changing needs. It is therefore important that you regularly review your insurance arrangements

    We recommend that you speak to your financial adviser before applying or changing insurance cover.

  • There are a number of ways to keep the cash portion of your portfolio growing alongside your other investments. One of these ways is to use FirstRate deposit choices.

    The benefits of FirstRate deposit choices are:

    • Competitive interest rates
    • No ongoing management fees
    • You have the added reassurance that your money is on deposit with one of Australia’s leading financial institutions, Commonwealth Bank of Australia.

    FirstRate Wholesale deposit choices give you a suite of options to choose from, based on your needs. These are:


    • FirstRate Wholesale Investment Deposits
    • FirstRate Wholesale Saver
    • FirstRate Wholesale Term Deposits


    Current interest rates

    Please consult the PDS and speak to your financial adviser for further information as each investment option has a different potential level of risk and return.

  • Please refer to the relevant PDS and speak to a financial adviser if you have one for further information as each investment option has a different potential level of risk and return.


    You can also access up-to-date information on your investments at any time via our secure online portal FirstNet.


    e-Post is the fast and secure way to submit original forms and requests via FirstNet, our secure online portal. You no longer need to post the originals, saving you time and effort. You will receive an email confirmation when you submit your request and a reference number. Please note you must only submit original forms.

    Log in to FirstNet



Please refer to the Product Disclosure Statement (PDS) which shows fees and other costs that you may be charged. These fees and other costs may be deducted from your balanace, from the returns on your investment or from the assets of the superannuation entity as a whole.


Other fees, such as activity fees, advice fees for personal advice and insurance fees, may also be charged, but these will depend on the nature of the activity, advice or insurance chosen by you.


You should read all the information about fees and other costs because it is important to understand their impact on your investment.

Do you have SOPHISTICATED investment needs?

Find out about FirstWrap or speak to your financial adviser.

Colonial First State Investments Limited ABN 98 002 348 352, AFS Licence 232468 (CFSIL) is the issuer of interests in FirstChoice Personal Super, FirstChoice Wholesale Personal Super, FirstChoice Pension, FirstChoice Wholesale Pension, FirstChoice Employer Super offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557. Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the issuer of the FirstWrap super and pension products from the Avanteos Superannuation Trust ABN 38 876 896 681. AIL also issues interests and operates investments under FirstWrap. The Target Market Determinations (TMD) for our financial products can be found at and include a description of who a financial product is appropriate for. This document may include general advice but does not take into account your individual objectives, financial situation or needs. You should read the relevant Product Disclosure Statement (PDS), Financial Services Guide (FSG), and Product Flyers carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. PDSs for the FirstChoice range of products, FSG and Product Flyers can be obtained from or by calling us on 13 13 36. FirstWrap PDSs can be obtained from your financial adviser.