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Join Colonial First State Super
Strong performance. Low fees. Consistently awarded. Start building a better future today.
Choose the right super for you
Lifestage
Life doesn't stand still, and neither should your super. This option automatically adjusts your investment mix to reflect your changing needs as you move through life. It’s smart, flexible, and hands-off - we do the hard work, so you don't have to.
Choose your own investments
Prefer to customise? Take full control of your financial future and build your super portfolio from the ground up. Enjoy access to over 190 investment options including diversified, single sector, 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.
Why choose Colonial First State?
Strong super performance
We've been independently recognised for delivering outstanding returns for members in our CFS FirstChoice Growth option.1
Low admin fees
With some of the lowest admin fees around, we help you keep more of your money invested, so your future can grow faster.2
Consistently awarded
We're consistently awarded for our commitment to delivering strong performance, low fees, and outstanding service.
Award-winning products and service
Strong performance, low fees and exceptional service. It's why we are consistently awarded.
Frequently asked questions
Independent research bodies, SuperRatings and Chant West, have recognised CFS for strong super fund performance over the last three years, and notably as one of the best performing MySuper Lifecycle investment options. 1
This includes:
- Delivering three consecutive years of double-digit growth for members invested in MySuper growth and balanced options.1
- Members benefiting from some of the lowest administration fees available. 2
- The CFS Investment team's active management continues to support our strong performance despite volatile markets and uncertain trading conditions.
Past performance is not a reliable indicator of future performance.
In addition to reading your regular statements, you can check your super balance, transactions and performance online or in the CFS app:
1. Log into the CFS app. If you don’t have the app yet, you can download it here:
2. You’ll see your current super balance on the dashboard.
3. Choose ‘Investments’ to see your investment summary. You can also view a personalised graph that shows how your balance has changed over time.
1. Log into our online portal with your Member ID (OIN) and password
2. You’ll see your current super balance on the dashboard.
3. Choose ‘Investments’ to see your investment summary.
When an employer makes a contribution on your behalf, or you make a personal contribution that you claim a tax deduction for, it’s taxed at 15% instead of your marginal tax rate.
If you earn $37,000 or less per year, the government may make a contribution to your super account of up to $500 to offset the tax. However, you may pay more tax if you earn over $250,000 per year.
Once you can access your super (e.g. at retirement), you can generally withdraw your super tax-free – either as a lump sum or an ongoing income stream.
If something unexpected happens, insurance can minimise the financial impact on you and your loved ones.
When it comes to life, disability and income protection insurance, there are usually two options: have insurance cover inside your super or pay for a separate insurance policy outside your super. There are plenty of benefits to having insurance inside super, but it’s important to be across the potential limitations as well.
We're here to help
Get in touch
Get in touch with us online or call us 8:30am to 6pm AEST 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 transactions history from anywhere.
Important information
Past performance is not a reliable indicator of future performance.
¹ CFS FirstChoice Growth option ranked third in Chant West’s Top 10 Performing Growth options for the 2024-25 financial year.
² Compares super fund average admin fees on $50,000 balance across four investment risk categories, Chant West Super Fund Fee Survey December 2024. Comparison may be affected by fee changes. FirstChoice Personal Super, issued by Avanteos Investments Limited. Consider the PDS and TMD at cfs.com.au to see if it’s right for you.
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.