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Introducing CFS Lifestage Tool

CFS Lifestage options are designed to automatically allocate and adjust your investment mix as you grow older, based on your year of birth.

 

When you’re younger and have many years to retirement, you have more time to ride out the ups and downs of investment markets, therefore the CFS Lifestage option you’re invested in will have a higher allocation towards growth assets such as property and shares. These assets have a greater potential to deliver higher returns and grow your retirement savings.

 

As you age and retirement gets closer, the investment mix in the CFS Lifestage option you’re invested in will gradually adjust towards more defensive assets, such as cash and fixed interest, to reduce the volatility of investment performance. The good news is this happens automatically. 

Find the Lifestage option designed for your age group

To learn more about the CFS Lifestage option designed for your age group, simply select your year of birth below. 

Select year

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Based on your selection, your superannuation will be invested in the CFS Lifestage $LIFESTAGE$ option.

Move the slider to see how your investment will gradually change as you move closer to retirement.

Defensive Assets

Defensive assets generally carry a lower level of risk and are less volatile over periods of time. These assets include fixed interest and cash to provide greater security. 

Cash and Defensive Alternatives

Cash investments are generally an investment in bank bills or similar securities.

Fixed Interest and Private Debt

Fixed interest investments, such as bonds, work in a similar way to a loan. An investor loans money and receives a bond in return, which entitles them to receive regular interest payments over an agreed time period. Private debt (publicly traded and private loans) operates in a similar manner, however interest payments received may not be fixed.

Property, Infrastructure and Alternatives

Alternative allocation is classified as 50/50 growth/defensive and Unlisted Property/Infrastructure is classified as 75/25 growth/defensive.

Growth Assets

Growth assets generally provide higher returns over the long term but may involve more risk and may fluctuate in value over periods of time. These assets include shares, property and infrastructure securities. 

Property, Infrastructure and Alternatives

Property and infrastructure securities represent a part-ownership in property (such as an office building, or shopping center) or infrastructure (such as transport, communication or utilities). These securities may be listed on a stock exchange and bought and sold like shares or they may be held as units of an unlisted trust.

Alternatives are non-conventional investments and may include but are not limited to a diverse group of assets. Examples of alternative assets include hedge funds and commodities.

Australian Shares

Australian shares generally refer to shares in companies that are listed on Australian stock exchanges.

Global Shares and Private Equity

Global shares generally refer to shares in companies that are listed on different overseas stock exchanges or they can be unlisted (private equity).

Please note that the Lifestage tool is intended for illustrative and educational purposes only, based on the current Lifestage options’ Strategic Asset Allocations effective 31 March 2025. Lifestage options are actively managed and the Strategic Asset Allocations will vary over time. Numbers may not sum due to rounding. The tool is not intended to be relied upon for the purpose of making an investment decision. You should read the relevant Product Disclosure Statement (PDS) before making any investment decision.

CFS Lifestage fees

It’s important to be aware of the fees you’re paying on your account and how they affect your balance over time. Your employer may have negotiated pricing and benefits for your superannuation and insurance. It’s worth checking with them what these benefits are, or you can view your details online via your account.

To compare our MySuper Lifestage approach with other MySuper products, see MySuper Dashboard. 

FirstChoice Wholesale Personal Super and Pension 

Refer to the Product Disclosure Statement (PDS) for more information about the fees that may apply, or you can view your details online via your account. 

CFS Lifestage options are available to FirstChoice Employer Super members as the default MySuper product, and to FirstChoice Wholesale Personal Super and Pension members as diversified multi-manager options. Colonial First State (CFS) has continued its partnership with BlackRock in managing the investments in the CFS Lifestage options. BlackRock is the largest asset manager in the world with leading portfolio management capability and access to market leading investment strategies.  CFS retains the ultimate control over the management of the CFS Lifestage options, sets the investment strategy, oversees investment decisions and manages the implementation of investment decisions.  Our focus, as always, is to generate strong long-term returns for our members, while creating value in every step of the way.

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. 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.