FirstChoice Wholesale Pension is designed for investors who are approaching retirement and wish to convert their superannuation benefits into an account-based or a pre-retirement pension.

Product snapshot

FirstChoice Wholesale Pension is designed for investors who wish to receive a regular income stream from their super savings, and provides access to over 170 investment options across different growth and income asset classes.

For more information about the product please refer to the Product Disclosure Statement by clicking the icon below. If you want to know more about the Target Market for the Product, click on the Target Market Determination icon, which will describe for whom this product is suitable.

Asset Classes
Investment options
Minimum initial investment
Fund managers
Asset Classes
Cash, Fixed Interest, Shares, Property and Infrastructure securities
Investment options
Cash, Fixed Interest, Shares, Property and Infrastructure securities


Minimum initial investment
Cash, Fixed Interest, Shares, Property and Infrastructure securities


Fund managers
Cash, Fixed Interest, Shares, Property and Infrastructure securities


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Key features

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 Pension structured?

When you are invested in FirstChoice Wholesale Pension, your money is combined with other investors' money in FirstChoice Wholesale Pension.

Each FirstChoice Wholesale Pension 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.

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.

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

e-Post is the fast and secure way to submit original forms and requests via FirstNet, our secure online portal. You don't need to post the originals, saving you time and effort.

You will receive an instant email confirmation when you submit your request and a reference number. Plese note you must only submit original forms.

Log in to FirstNet

Further information


Product Disclosure Statement


Target Market Determination


Find available funds


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 account, from the returns on your investment or from the assets of the fund as a whole.

Other fees, such as activity fees, advice fees for personal advice 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.

Product updates

New FirstChoice Wholesale Personal Super and Pension product disclosure statement

Earnings tax on transition-to-retirement income streams

2022 Annual reports

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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

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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.