Superannuation Australia
One of the most important investments you’ll ever have
At Colonial First State, we can help you make the most of your super with strong performance¹, low admin fees², and the freedom to invest your way. Join over three million Australians who have chosen CFS to help with their investment, superannuation and retirement needs since 1988.
Whether you’re starting your first job, consolidating your super, or planning for retirement, choosing the right fund matters. At CFS, we focus on strong performance, flexible options and expert support, so you can stay in control, without the complexity.
Why Australians choose CFS super
Strong long-term performance
We have a history of delivering strong performance¹ for our members, backed by expert service and support.
That's why over three million Australians have chosen CFS to help with their superannuation, investment and retirement needs.
Low admin fees
Every dollar saved on fees is a dollar that stays invested and working for your future.
With some of the lowest admin fees around², we help you keep more of your money invested, so your future savings can grow faster.
Over 200 investment options
From diversified, single sector and more, CFS gives you access to one of the widest ranges of investment options in Australian super.
Whether you want our ready‑made Lifestage option or prefer to build your own portfolio, you’re in control of how your super is invested.
Two ways to invest your super
Everyone’s financial goals are different. That’s why we offer two ways to invest your super, giving you the freedom to choose what suits you.
Lifestage investment option
Our ready-made Lifestage option tailors your investment mix according to your age and automatically adjusts as you get closer to retirement. If you want us to do the hard work, so you don’t have to, this option could be right for you.
Choose your own option
Build your own portfolio from our range of over 200 investment options including diversified, single sector and more. If you’d like to take a more active role by choosing your own investments, this option could be right for you.
Best for
Members who want a hands-off approach
Members who want to actively manage their investments
How it works
Automatically allocates and adjusts your investment mix as you grow older, based on your year of birth. When you’re younger and have many years to retirement, the CFS Lifestage option you’re invested in will have a higher allocation towards growth assets. As retirement gets closer, the investment mix in the CFS Lifestage option you’re invested in will gradually adjust towards more defensive assets
You can choose from 200+ investment options to build your own portfolio
Investment choices
The CFS Investment team actively manages your investments for you
You choose your investments, monitor, and adjust as needed. You can choose as many investment options as you like from diversified funds to single sector across a range of asset classes including Australian shares, global shares, property and more
Getting started is easy
You can open your account in under 10 minutes.
Choose your super product
Go with our smart Lifestage option, or build your own portfolio - the choice is yours.
Tell us a bit about yourself
We'll use this to personalise your experience and match you with the right investment option.
Complete your application
We'll ask you for a few more details to finish setting up your super account.
Get your super working
We'll help let your employer know about your new account, and bring in super from other funds.
Everyone’s financial situation is different. Before you join, make sure to read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to help you decide if this product is right for you.
Already a member? Login to FirstNet and use your Member ID (OIN) to open a new account and you’ll find it on your latest statement.
What you’ll need to join
Australia will need to be your main country of residence
Your mobile phone, to verify you
Tax file number (optional but recommended)
ID, if you want to combine super accounts (optional)
Ready to get started?
Join over three million Australians who have chosen Colonial First State super to help deliver financial freedom.
Explore CFS super
Whether you're starting fresh, growing your balance, or planning for retirement - we have the tools, guides, and support to help you at every stage.
Compare super funds
See how CFS stacks up against your super fund on fees, performance, and features.
Low fee super
Discover how lower admin fees² keep more of your money invested and working for your future.
Super contributions
Understand contribution types, caps, and strategies to grow your super balance faster.
Consolidate super
Save on fees and keep track of your super balance in one place by combining multiple super accounts into one.
Employer super
Learn about our FirstChoice Employer Super fund that your employer trusts to help you achieve financial freedom.
CFS Edge
Access to an extensive range of investment options, comprehensive reporting, and sophisticated tax management facilities you and your adviser can design a portfolio to suit your investment and retirement needs.
First Home Super Saver
Find out how you can use your super contributions to save for your first home.
Super calculator
Our super calculator makes it simple to check your projected income to see if you’re on track.
Consistently awarded for performance and value
Strong performance, low fees and exceptional service. It's why we are consistently awarded.
Frequently asked questions
Superannuation, or ‘super’, is how Australians save money for their retirement. It’s money set aside during your working life to help pay for life after work. By law, your employer pays 12% of your salary into your super. This is called the Superannuation Guarantee. Your super is invested over time, giving it the chance to grow. You can usually only access it once you reach your preservation age and retire.
The Association of Superannuation Funds of Australia (ASFA) provides yearly total income recommendations based on the type of retirement you’re aiming for. Depending on how much income you expect to receive from other sources, you can then estimate how much super you’ll need to reach the “comfortable” or “modest” benchmarks. You can find out more here.
When comparing super funds, look at long-term investment performance, admin and investment fees, the range of investment options, insurance cover, and the quality of online tools and support. CFS offers a combination of a history of strong performance¹, low admin fees², and over 200 investment options — which is why over three million Australians have chosen us.
Yes, but having multiple super accounts means paying multiple sets of fees — which can reduce your overall balance over time. Consolidating your super into one account is one of the simplest ways to save on fees and keep better track of your retirement savings. You can consolidate your super into one account with CFS in just a few minutes online.
You can join CFS super online in under 10 minutes. All you need to do is choose your super product (Lifestage or build your own), tell us a bit about yourself, and we'll set up your account. We can also help you notify your employer and bring in super from other funds. All you need is to be an Australian resident with your mobile phone handy, tax file number and your ID if you want to combine super accounts (optional).
Ready to get started?
Join over three million Australians who have chosen CFS to help with their superannuation, investment and retirement needs since 1988.
We're here to help
Get in touch
Get in touch with us online or call us 8:30am to 6pm (Sydney time) Monday to Friday.
Find the right advice option
Our dedicated team can help you choose from a range of different financial advice options.
Download mobile app
Track your balance and see your transaction history from anywhere.
Important information
Past performance is not a reliable indicator of future performance.
¹ CFS Lifestage 1965-69 (balanced) and CFS Lifestage 1975-79 (growth) in FirstChoice Wholesale Personal Super outperformed the balanced and growth medians in the independently researched SuperRatings Fund Crediting Rate Survey, as at December 2025. Returns 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.
² Super fund average admin fees are based on the Chant West Super Fund Fee Survey at 31 March 2025 that compares average fees by segments and across four investment risk categories. Administration fees of FirstChoice Wholesale Personal Super options (excluding FirstRate options) for a member balance of $50,000, is 0.20% p.a. compared to the Super Fund Average of 0.49%. It does not take into consideration investment fees and costs or transaction costs. Please see the PDS for these fees and costs.
Disclaimer
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 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.