A quick, self-serve digital review that brings your balance, goals and next steps into one view.
How is your super tracking?
Complete a super health check to see how your super is tracking for retirement in under 10 minutes, at no extra cost. Identify areas that may need attention and discover opportunities to help strengthen your financial future.
What a super health check looks at
A super health check reviews information from a quick digital fact find and your existing CFS super account to show how you're tracking for retirement. Based on this information, you'll receive a score showing how you're tracking and practical steps you can take to strengthen your financial future.
Complete the digital fact find
Log in to your online account using this link and select the ‘Get started’ button. Complete the Super Health Check module at your own pace.
If you have an adviser linked to your account please call your adviser for help with your super.
Receive your score to see if you are on track
Once you’ve completed the fact find, you’ll receive a score out of 3 on how well you’re tracking to meet your retirement goals.
Learn if there are any ways to improve your score
See any highlighted areas of your super that you should focus on to improve your Super Health Check score.
What does my score mean?
You'll receive a score out of 3 based on the information you provide. Your score reflects how well your super is set up across three key areas: investments, contributions and insurance.
If you score 3 out of 3, you're on track. Keep up the good work, and check back regularly to make sure your super continues to meet your needs. If there are areas for improvement, we'll highlight them and suggest where you can get personalised guidance and take action.
How your super is invested
We may recommend a review of your current investment options to help you stay on track for the retirement lifestyle you want.
Your super contributions
We may recommend a review of your contributions to make sure they support your retirement goals.
We may recommend a review of the insurance cover held within your super account to see if it is suitable for your circumstances.
Frequently asked questions
A super health check is a review of your super that looks at your experience, behaviours and account to provide a financial assessment. It helps you understand how your retirement savings are tracking and identify opportunities to make the most of your super.
There’s no extra cost to complete your super health check. It’s included as part of your membership with the FirstChoice fund and funded by the trustee.
Desktop users: Once you log on to your account, navigate to the top of your screen and select ‘Advice’. From here you will select ‘Get started’ and then see a link to start the super health check.
Mobile app users: Once you log on to the mobile app, tap ‘MyCFS’ in the bottom of your screen, then ‘Financial Advice'. From here you will select ‘Get started’ and then see a link to start the super health check.
Checking in once a year, such as at the start of the financial year on 1 July, can help you stay informed.
It's also a good idea to review your super when your circumstances change, such as changing jobs, receiving a pay rise, getting married, or approaching retirement.
No. A super health check is not financial advice. It helps you understand how your super is tracking for retirement by considering your current account, financial situation and goals. It may highlight areas where you could benefit from further guidance or advice.
If you'd like personalised advice about your super, you can complete the super advice modules and speak with a qualified Colonial First State financial adviser. They can provide tailored advice to help you make informed decisions about your super.
The super health check assesses your personal situation and determines how well you’re tracking for the retirement you want. If you are not on track, you will see the areas of your super you can focus on to get back on track.
Disclaimer
Super Advice by CFS Advice Services: 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.
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 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 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.