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¹ Performance data for CFS Lifestage 1975-79 and CFS Lifestage 1965-69 options in FirstChoice Employer Super and FirstChoice Wholesale Personal Super is from the SuperRatings Fund Crediting Rate Survey. Returns shown are calculated after investment fees and costs, transaction costs and investment taxes, but before administration fees are deducted.

The super fund median returns of the balanced and growth options are from the SuperRatings Fund Crediting Rate Survey. SuperRatings classify growth options as 77%-90% growth assets and balanced options as 60%-76% growth assets.

Past performance is not an indicator of future performance.

The CFS Lifestage options in FirstChoice Wholesale Personal Super and FirstChoice Employer Super use the same underlying investments. Since the CFS Lifestage options were only recently added to the FirstChoice Wholesale Personal Super investment menu, performance data is currently limited.

Although the investment option in both products invest in the same underlying portfolio, their performance may differ slightly due to variations in the timing and volume of member contributions and withdrawals. Managing these cashflows requires the fund to buy or sell assets at different times, which can result in minor differences in asset weightings and transaction costs. As these weightings can vary at any given performance measurement date, differences observed on a particular day may have been smaller or larger if assessed at another time. These impacts are generally small, and overall performance is expected to remain broadly similar.

² Administration fees for FirstChoice Wholesale Personal Super options (excluding FirstRate options) are for a member balance of $50,000. It does not take into consideration investment fees and costs or transaction costs. Please see the PDS for these fees and costs. 

Super Fund Average admin fees are based on the Chant West Super Fund Fee Survey that compares average fees by segments and across four investment risk categories.


The chart is constructed by CFS using data sourced from the Chant West Super Fund Fee Survey, which is based on information provided to Chant West by third parties that is believed accurate at the time of publication. Fees may change in the future which may affect the outcome of the comparison. Chant West may make adjustments to fees and costs for comparison purposes and therefore data may vary to other published materials. Consider the PDS and TMD to see if it’s right for you.

³ The fee comparison applies to MySuper products and is based on the CFS Lifestage 1965-69 option for a member balance of $50,000. Fees may vary for different age cohorts. The Chant West Super Fund Fee Survey compares the CFS Lifestage option that is closest to 71% growth assets, which is consistent with the average risk and return profile of most non-lifecycle products. Total fees and costs include administration fees and costs, investment fees and costs, and net transaction costs, calculated on a gross of tax basis. Fund averages are calculated by Chant West on a weighted average basis. This comparison has been prepared by CFS using data sourced from the Chant West Super Fund Fee Survey and is based on information provided to Chant West by third parties, that is believed accurate at the time of publication. Fees may change in the future which may affect the outcome of the comparison. Chant West may make adjustments to fees and costs for comparison purposes and therefore data may vary to other published materials. Whilst care has been taken to ensure that the data provided by Chant West is correct, CFS neither warrants, represents nor guarantees the contents of the information, nor does it accept any responsibility for errors, inaccuracies, omissions or any inconsistencies herein.

⁴ Super Advice by CFS Advice Services: Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) has appointed CFS Advice Services Pty Ltd  ABN 52 682 119 651, AFSL 564571 (CFSAS) to provide one-off limited personal advice on specified topics to members of FirstChoice Superannuation Trust who access the Super Advice service. AIL and CFSAS are both members of the Colonial First State group of companies. CFSAS holds a financial services licence to provide personal financial product advice, and its financial advisers act under this licence when providing advice services to members. CFSAS is responsible for financial advice provided to you under the Super Advice service. Before you receive a financial service from CFSAS, you should read the Financial Services Guide (FSG) issued by CFSAS. The cost of providing the Super Advice service is collectively charged to all members of the Fund and is incorporated in the fees and costs shown in the PDS.