FirstChoice Employer Super
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What is CFS FirstChoice Employer Super?
If your employer is one of the 6000+ Australian businesses that has chosen CFS FirstChoice Employer Super as their default fund, you can open an account when you start a new role or at any time during your employment. If you don’t already have a super account and haven’t chosen a fund, your employer will automatically open an account for you with their default fund.
When you’re with CFS FirstChoice Employer Super, your employer pays your super contributions directly into your CFS account. You choose how your super is invested. If you don’t make an investment choice, your money goes into the appropriate CFS Lifestage option, which automatically adjusts your investment mix as you get older.
Why employers choose CFS?
We’ve been helping Australians grow their super since 1988, backed by one of the country’s most experienced investment teams. CFS FirstChoice Employer Super is the fund your employer trusts to help you achieve financial freedom.
Strong performance
We’re here to help you achieve your financial goals by focusing on strong performance¹ and offering a wide range of investment choice.
Low fees
We're committed to keeping our fees low. Our FirstChoice Employer Super fees are lower than the super fund average.²
Flexible insurance cover
We make it easy and affordable to financially protect what matters the most through our flexible insurance in your super.
Check your eligibility
CFS FirstChoice Employer Super is available through selected Australian employers. If your employer has chosen CFS as the default fund for your workplace plan, you can nominate this fund for your employer to pay your super contributions into.
- If your employer does not offer this product, you can still join CFS. Visit FirstChoice Super to explore your options.
- Are you an employer? Find out how CFS FirstChoice Employer Super can support your employees and your business
How to join CFS FirstChoice Employer Super
- Nominate FirstChoice Employer Super as your fund
Simply complete the Super Fund Nomination form from your employer or download it using the link below. - Submit the form to your payroll team
They’ll take care of the rest and ensure your super contributions go to FirstChoice Employer Super.³
What's included in your CFS FirstChoice Employer Super
Investment choice
Your super is invested based on the option you choose. FirstChoice Employer Super is designed to support you throughout your working life. Our CFS Lifestage option adjusts your investment mix as you age to help keep your investment appropriate for you. It is set as the default option. If you would like more control, you can choose from a range of other investment options to suit your goals. Visit our MySuper dashboard for more information.
Easily manage your super online
Stay in control of your super from your laptop or desktop with FirstNet, it’s easy to use and secure. You can also join over 300,000 members who use our app to track their super, pension and investments. To get started, download the CFS app from the App Store or Google Play.
Grow your financial knowledge
Explore our resources to take the complexity out of super, investments and retirement with easy-to-understand topics and practical tips. Explore articles, videos and webinars designed to help you feel confident about your financial future.
Expert support
At Colonial First State, we offer a range of financial advice options to support you at every stage of life. Explore our advice options today.
Managing your CFS FirstChoice Employer Super account
These four simple steps can help you make the most of your super from day one.
Get set up online
Log in to your FirstNet or download the CFS app to keep track of your super anytime. Need a hand? We’re here to help you get set up.
Consolidate your super
Bring your super together in one place to make it easier to manage and potentially reduce fees. You can search for and combine your other super accounts FirstNet or the CFS app.
Nominate a beneficiary
Adding a beneficiary gives you control over who receives your super. You can nominate a beneficiary for your super on FirstNet or the CFS app.
Review your insurance
Take a moment to review your insurance cover to make sure it suits your needs. Check the Insurance Portal by logging into FirstNet or the CFS app.
Contributions to your super account
Each time you’re paid, your employer contributes Super Guarantee payments into your CFS First Choice Employer Super account. You can also add a little extra yourself. Even small contributions can add up over time, and it could help boost your future retirement balance.
If you’re not sure how much you can contribute, or which option is right for you, we can help you understand contribution caps and take the next step, with clear guidance to get you started.
Consistently awarded
Important to know before investing
Ready to get started?
You can join CFS by completing the Super Fund Nomination form from your employer or by downloading the form using the link below. Once completed, submit it to your payroll team.³
Frequently asked questions
No. CFS FirstChoice Employer Super is only available through employers who have chosen CFS as their workplace super plan. If your employer doesn't offer it, you can still join CFS through our main super product. See CFS Super.
CFS Employer Super is offered through your employer, with fees and features defined under your workplace plan. CFS FirstChoice Super is a retail super product you can join directly. Investment options, fees and default insurance may differ between the two — check the relevant PDS for details.
You can choose to keep your account and have future contributions paid into it by a new employer (refer to the retained benefits flyer), or you can roll your balance into another super fund if you prefer.
Yes. Under Australian choice-of-fund rules most employees can nominate a super fund of their choice to receive their contributions by giving your employer the details of your preferred fund.
We offer a range of flexible insurance cover options to suit your individual needs. If you are an employee member, you may automatically be provided with insurance cover based on the insurance design selected by your employer. Check the FirstChoice Employer Super PDS for more detail.
CFS works with Australian employers of all sizes to provide a super solution for their workforce. If you’re interested in offering CFS as your workplace super plan, you can find out more about CFS FirstChoice Employer Super here.
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* Chant West MySuper Performance Outcomes Survey for FY25. CFS was recognised by Chant West as having delivered the two highest overall investment outcomes to 30 June 2025 over 1, 3 and 5 years compared with all other MySuper products when aggregating the experience of all age cohorts.
¹ Past performance is not a reliable indicator of future performance. CFS MySuperLifestage is a top performer over 1, 3 and 5 years for growth and balanced options based on the SuperRatings Fund Crediting Rate Survey 30 September 2025. Returns greater than one year are annualised and are net of fees and costs (excludes member fees).
² Source: Chant West Super Fund Fee Survey September 2025 for MySuper products based on the FirstChoice Employer Super Lifestage 1965-69 option for a member balance of $50,000. Fees may vary for different age cohorts.
³ FirstChoice Employer Super can only be nominated if your employer has selected it as their default super fund.
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.
The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia, the ‘Insurer’). AIA Australia is part of the AIA Group. The respective insurance covers are provided under policies issued to the trustee.
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.