Market Updates, Insights & News

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change of popular pension investment options for the calendar year to 31 December, leaving inflation in their wake.</p> </div> </div> </div> </div> </div> <div class="aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--lg--4"> <div data-cmp-is="cardEditorial" class=" CardEditorial CardEditorial--layout-vertical CardEditorial--image-height-small CardEditorial--media-image CardEditorial--with-metadata "> <div class="CardEditorial__Media"> <div class="CardEditorial__Image"> <img src="/content/dam/cfs-winged/images/member/market-updates/investors-327x327.jpg" alt=""/> </div> </div> <div class="CardEditorial__Container "> <div class="CardEditorial__Content"> <h3 class="CardEditorial__Heading h4"> <a class="CardEditorial__HeadingLink" href="/personal/tools-resources/market-insights-news/successful-investor-habits"> <span>Seven secret financial habits of wealthy Australians you can adopt </span> <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </a> </h3> <div 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We topped our own industry-leading performance in the 2023-24 financial year*, delivering even stronger results for the 12 months to 31 December for members invested in a range of balanced and growth options.</p> </div> </div> </div> </div> </div> <div class="aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--lg--4"> <div data-cmp-is="cardEditorial" class=" CardEditorial CardEditorial--layout-vertical CardEditorial--image-height-small CardEditorial--media-image CardEditorial--with-metadata "> <div class="CardEditorial__Media"> <div class="CardEditorial__Image"> <img src="/content/dam/cfs-winged/images/adviser/resources/market-updates-news-insights/cfs-market-insight-dec-2024-banner.jpg" alt=""/> </div> </div> <div class="CardEditorial__Container "> <div class="CardEditorial__Content"> <h3 class="CardEditorial__Heading h4"> <a class="CardEditorial__HeadingLink" href="/personal/tools-resources/market-insights-news/cfs-wrapped-2024"> <span>CFS Super Wrapped 2024</span> <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </a> </h3> <div class="CardEditorial__Metadata"> <span class="CardEditorial__Tag Tag--type-primary Tag"> Article </span> <span class="CardEditorial__Date colour--grey-2"> 13 Dec 2024 </span> <span class="CardEditorial__ReadingTime colour--grey-2"> 5 min </span> </div> <div class="CardEditorial__Description p2"> <p>Catch up on the year’s key moments and learn how they might impact your financial future heading into 2025 and beyond, with our CFS Super Wrapped webinar.</p> </div> </div> </div> </div> </div> <div class="aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--lg--4"> <div data-cmp-is="cardEditorial" class=" CardEditorial CardEditorial--layout-vertical CardEditorial--image-height-small CardEditorial--media-image CardEditorial--with-metadata "> <div class="CardEditorial__Media"> <div class="CardEditorial__Image"> <img src="/content/dam/cfs-winged/images/member/market-updates/quiz-results-reveal-gaps-in-super-knowledge.png" alt=""/> </div> </div> <div class="CardEditorial__Container "> <div class="CardEditorial__Content"> <h3 class="CardEditorial__Heading h4"> <a class="CardEditorial__HeadingLink" href="/personal/tools-resources/market-insights-news/misconceptions-about-super-taxes-and-withdrawal-revealed-in-survey"> <span>Misconceptions about super and taxes revealed in survey</span> <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </a> </h3> <div class="CardEditorial__Metadata"> <span class="CardEditorial__Tag Tag--type-primary Tag"> Article </span> <span class="CardEditorial__Date colour--grey-2"> 13 Nov 2024 </span> <span class="CardEditorial__ReadingTime colour--grey-2"> 5 min read </span> </div> <div class="CardEditorial__Description p2"> <p>Responses to last month’s Super Quiz revealed many Australians have a good idea of what super is and how much of their money goes into it. But there are some gaps when it comes to the basics, such as when you can access it and how super is taxed. Read on for a run-down of the overall results. </p> </div> </div> </div> </div> </div> <div class="aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--lg--4"> <div data-cmp-is="cardEditorial" class=" CardEditorial CardEditorial--layout-vertical CardEditorial--image-height-small CardEditorial--media-image CardEditorial--with-metadata "> <div class="CardEditorial__Media"> <div class="CardEditorial__Image"> <img src="/content/dam/cfs-winged/images/member/market-updates/organising-aged-care-for-your-loved-ones-header-tile.png" alt=""/> </div> </div> <div class="CardEditorial__Container "> <div class="CardEditorial__Content"> <h3 class="CardEditorial__Heading h4"> <a class="CardEditorial__HeadingLink" href="/personal/tools-resources/market-insights-news/cfs-launches-aged-care-service-calm-for-its-members"> <span>CFS launches Aged Care support service for members</span> <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </a> </h3> <div class="CardEditorial__Metadata"> <span class="CardEditorial__Tag Tag--type-primary Tag"> Article </span> <span class="CardEditorial__Date colour--grey-2"> 13 Nov 2024 </span> <span class="CardEditorial__ReadingTime colour--grey-2"> 5 min read </span> </div> <div class="CardEditorial__Description p2"> <p>Aged Care may not be something many Australians like to think about. But whether you’re supporting a loved one to live safely and independently in their later years, or making informed decisions about your own future, CFS is now offering members help to understand and access Aged Care. </p> </div> </div> </div> </div> </div> <div class="aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--lg--4"> <div data-cmp-is="cardEditorial" class=" CardEditorial CardEditorial--layout-vertical CardEditorial--image-height-small CardEditorial--media-image CardEditorial--with-metadata "> <div class="CardEditorial__Media"> <div class="CardEditorial__Image"> <img src="/content/dam/cfs-winged/images/member/market-updates/long-term-savings-article.png" alt=""/> </div> </div> <div class="CardEditorial__Container "> <div class="CardEditorial__Content"> <h3 class="CardEditorial__Heading h4"> <a class="CardEditorial__HeadingLink" href="/personal/tools-resources/market-insights-news/no-1-reason-why-australians-fail-to-reach-their-financial-goals"> <span>Five ways to fix the biggest financial mistake Aussies make</span> <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </a> </h3> <div class="CardEditorial__Metadata"> <span class="CardEditorial__Tag Tag--type-primary Tag"> Article </span> <span class="CardEditorial__Date colour--grey-2"> 13 Nov 2024 </span> <span class="CardEditorial__ReadingTime colour--grey-2"> 5 min read </span> </div> <div class="CardEditorial__Description p2"> <p>Two in five Australians say they are not on track to meet their long-term financial goals, according to new research from CFS*. When we asked them why, there was one thing the majority struggled to do. Read on to learn more, as well as some practical tips to help you get back on track. </p> </div> </div> </div> </div> </div> </div> <div class="Pagination Pagination--type-numbered" data-cmp-is="pagination" data-type="numbered" data-total-pages="7.0" data-current-page="1" data-max-numbers="5"> <button data-button-type="previous" class="Pagination__Button Pagination__Previous" disabled> <i class="iconfont-arrow-left" aria-hidden="true"></i> <span>Prev</span> </button> <ul class="Pagination__Numbers"></ul> <button data-button-type="next" class="Pagination__Button Pagination__Next"> <span>Next</span> <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </button> </div> </div> <script> window.CFSState = window.CFSState || {} window.CFSState.PageModel = window.CFSState.PageModel || {} window.CFSState.PageModel['cardGrid732552ea-7675-453b-bd1f-a452bc51384a'] = [{"layout":"horizontal","metadata":{"date":"06 Feb 2025","readingTime":"5 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/cfs-pension-returns-2024.html","videoUrl":null,"heading":"Outstanding CFS pension returns help members stay on top of inflation","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/pension-returns-327x327.jpg","description":"<p>CFS harnessed the wave of investor confidence in 2024 to deliver strong returns for a change of popular pension investment options for the calendar year to 31 December, leaving inflation in their wake.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"05 Feb 2025","readingTime":"5 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/successful-investor-habits.html","videoUrl":null,"heading":"Seven secret financial habits of wealthy Australians you can adopt ","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/investors-327x327.jpg","description":"<p>Ever wondered how the wealthy manage their money, and what they do differently from the average Australian? 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Nine in 10 wealthy Australians are quietly doing it already*, new research from CFS shows.  </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"29 Jan 2025","readingTime":"5 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/retirement-insights-2025.html","videoUrl":null,"heading":"Five hidden truths about the realities of retirement in Australia","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/insight-1312x367_resized.jpg","description":"<p>How do Australia’s more than four million retirees spend, manage and feel about their retirement savings? New research from CFS reveals some hidden truths you may be surprised to learn about your fellow retirees, and what can be done about them. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"29 Jan 2025","readingTime":"7 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/best-asset-classes-2024.html","videoUrl":null,"heading":"‘Unusually strong’: how investment types performed in 2024 and what’s next","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/asset-classes-327x327.jpg","description":"<p>Most investment markets generated strong growth over the 12 months to 31 December – but why? And will we see the same in 2025? CFS Chief Investment Officer Jonathan Armitage explains some of the drivers of that growth and what investors may expect as we head into 2025. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"13 Jan 2025","readingTime":"5 min","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/outstanding-cfs-returns-2024.html","videoUrl":null,"heading":"Another year of outstanding performance as CFS delivers double-digit returns in 2024","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30669-SuperPerformance-0125-v1-327x327-2x.jpg","description":"<p>CFS delivered another year of outstanding super returns in 2024. 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But there are some gaps when it comes to the basics, such as when you can access it and how super is taxed. Read on for a run-down of the overall results. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"13 Nov 2024","readingTime":"5 min read","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/cfs-launches-aged-care-service-calm-for-its-members.html","videoUrl":null,"heading":"CFS launches Aged Care support service for members","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/organising-aged-care-for-your-loved-ones-header-tile.png","description":"<p>Aged Care may not be something many Australians like to think about. But whether you’re supporting a loved one to live safely and independently in their later years, or making informed decisions about your own future, CFS is now offering members help to understand and access Aged Care. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"13 Nov 2024","readingTime":"5 min read","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/no-1-reason-why-australians-fail-to-reach-their-financial-goals.html","videoUrl":null,"heading":"Five ways to fix the biggest financial mistake Aussies make","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/long-term-savings-article.png","description":"<p>Two in five Australians say they are not on track to meet their long-term financial goals, according to new research from CFS*. When we asked them why, there was one thing the majority struggled to do. Read on to learn more, as well as some practical tips to help you get back on track. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"13 Nov 2024","readingTime":"5 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/strategy-retirees-can-use-to-avoid-running-out-of-money-in-retirement.html","videoUrl":null,"heading":"Using the bucket strategy to make your money last longer","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/bucket-strategy-banner-v2.png","description":"<p>Two in three retirees are worried about running out of money in retirement, according to new research from CFS. Understanding the bucket strategy for managing retirement savings can help you find a balance between having income to spend in the short term and growing your money for the long term.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"12 Nov 2024","readingTime":"4 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/cfs-market-update-october-2024.html","videoUrl":null,"heading":"CFS Market Update: October 2024 ","imageUrl":"/content/dam/cfs-winged/images/member/market-updates,-news---insights/market-update-2024-header-banner-v1.png","description":"<p>The Reserve Bank of Australia (RBA) kept interest rates steady in its most recent monetary policy decision, while falling inflation has allowed other key central banks to continue rate cutting.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"08 Oct 2024","readingTime":"5 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/tips-to-protect-your-investments-from-scams.html","videoUrl":null,"heading":"Protect yourself from cyber scams: One member's story","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/cyber-security-1400x450.jpg","description":"<p>When one CFS member clicked on a link in an email, it almost resulted in the loss of $90,000. Thankfully, we were able to help prevent it. Find out what it means to protect yourself from scams this Cyber Security Awareness Month.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"08 Oct 2024","readingTime":"4 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/otivo-digital-advice-solution-for-unadvised-members.html","videoUrl":null,"heading":"Affordable, personalised, digital advice for members","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/digital-advise_1400x450.png","description":"<p>Personalised, affordable digital advice is available to help answer the common investment, super and insurance questions of CFS FirstChoice members who don’t have a financial adviser.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"08 Oct 2024","readingTime":"5 min read","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/best-investment-types-and-returns.html","videoUrl":null,"heading":"Best performing investment types by expected time to return","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/timeframe-1400x450.jpg","description":"<p>Your investment horizon is a key consideration when choosing how to invest your money. Lower-risk options may be a safer bet in the short term, but if you have a longer investment horizon, you may wish to consider investments that have the potential to offer higher returns. Here are the major investment types by investing time frame. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"08 Oct 2024","readingTime":"8 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/managing-superannuation-during-parental-leave-and-caregiving-leave.html","videoUrl":null,"heading":"Six super steps to lower the cost of caring","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/caring-landing-page.jpg","description":"<p>When you take time away from work to care for a loved one, it can have a big effect on your super. Here are some steps to help you look out for yourself, and your financial future, while looking after those you love.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"04 Oct 2024","readingTime":"5 min read","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/how-compounding-can-boost-your-super-by-over-50-after-you-retire.html","videoUrl":null,"heading":"Get ahead by maximising tax-free earnings after you retire","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/Snowball%20effect-1400x450.jpg","description":"<p>Many Australians assume that super has done its job by the time you stop work. But did you know that more than 50% of the income you receive in retirement can be generated from the investment earnings you get on your super after you've retired*? Here’s how to set up your super for maximum earnings momentum.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"04 Oct 2024","readingTime":"5 min read","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/age-care-reforms.html","videoUrl":null,"heading":"Aged Care reform to cost government and older Australians more","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/aged-care-tile.jpg","description":"<p>The new Aged Care Bill proposed by the Federal Government last month is aimed at improving the quality of aged care in Australia but will also mean changes to fees and charges for Home Care and Residential Aged Care. We outline the key changes.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"03 Oct 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/cfs-market-update-september-2024.html","videoUrl":null,"heading":"CFS Market Update: September 2024","imageUrl":"/content/dam/cfs-winged/images/member/market-updates,-news---insights/Market update-September-2024-1400x450.jpg","description":"<p>The Reserve Bank of Australia (RBA) remains on ‘inflation watch’ and kept rates steady in September. The US Federal Reserve (Fed) delivered a bigger cut than expected.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"20 Sep 2024","readingTime":"5 min read","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/age-pension-payments-increase.html","videoUrl":null,"heading":"Millions more to get Age Pension starting from 20 September 2024","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30428-Age-Pension-0924-v1-1312x367.jpg","description":"<p>Government Age Pension payments have been increased, so if you're one of the millions of eligible Australians, you’ll have a little more to spend. We outline the increases, which are designed to help address inflation and the rising cost of living.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"19 Sep 2024","readingTime":null,"tag":"Video"},"headingLink":"/personal/tools-resources/market-insights-news/crypto-webinar.html","videoUrl":null,"heading":"Crypto and your super: An expert’s perspective","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30440-Bitcoin-0924-v1-1400x450@2x.jpg","description":"<p>Does crypto fit into your investment portfolio? Hear from Chief Investment Officer, Jonathan Armitage, as he discusses what crypto is, how the CFS investment team make decisions on what to invest in, and whether crypto has a place in your super.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"11 Sep 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/understand-your-superannuation-performance-and-fees.html","videoUrl":null,"heading":"What’s driving the performance of your super?","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30303-News-How2Assess-0824-v1-1400x450.jpg","description":"<p style=\"text-align: left;\">With annual statements going out to members this month, it’s a good time to understand what drives the performance of your super. Strong investment performance while you’re still working means your money is working harder for you – and you’ll have more of it later on.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"09 Sep 2024","readingTime":"5 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/cost-of-a-comfortable-retirement-just-went-up.html","videoUrl":null,"heading":"The cost of a comfortable retirement just went up","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30393-comfort-retirement-0924-mobile.jpg","description":"<p>How much do you need to live comfortably in retirement? A little more than last year, the latest figures show. Whether you’ve already retired, or it’s getting close, make sure your finances are in the best possible shape so you can rest easy and enjoy your second half.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"09 Sep 2024","readingTime":"4 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/cfs-tops-pension-rankings-for-2023-24-for-pension-performance.html","videoUrl":null,"heading":"CFS pension members get the best returns in 2023-24","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30393-pension-ranking-0924-mobile.jpg","description":"<p>CFS FirstChoice pension members invested in Growth and Moderate options received the best returns in the industry last year, performance rankings from independent research house Chant West show. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"06 Sep 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/fhss-changes-from-15-september-2024.html","videoUrl":null,"heading":"It just got easier to use your super to buy a house","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30393-FHSS-0924-mobile.jpg","description":"<p>Changes to the First Home Super Saver (FHSS) scheme that could open the door for you to buy your first home come into effect this month. Find out how it just got easier to use your super to unlock tax benefits that could help you save for your first home deposit.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"05 Sep 2024","readingTime":"3 min ","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/geared-shares-pros-and-cons.html","videoUrl":null,"heading":"The ins and outs of geared share funds","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30393-Geared-0924-v2-cropped.jpg","description":"<p>Geared share funds are high risk and high reward. When share markets are doing well, the returns can be very high, but the opposite is also true. We look at the pros and cons, and the role of geared share funds in a diversified investment strategy.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"05 Sep 2024","readingTime":"3 min read","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/5-benefits-of-an-account-based-pension-in-retirement.html","videoUrl":null,"heading":"The simple mistake costing retirement-age Aussies thousands in tax","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30393-ABP-0924-v2-cropped.jpg","description":"<p>Australians aged over 65 are potentially paying thousands more in tax on their super savings than they need to – something they could easily remedy by simply transferring their super to a tax-free pension account.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"04 Sep 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/cfs-market-update-august-2024.html","videoUrl":null,"heading":"CFS Market Update: August 2024","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30393-MarketUpdate-0924-v1-1312x367@2x.jpg","description":"<p>The Reserve Bank of Australia (RBA) is holding firm on keeping rates steady, diverging from its historical alignment to other central banks.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"08 Aug 2024","readingTime":"7 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/5-strategies-cfs-customers-are-using-to-top-up-their-super.html","videoUrl":null,"heading":"Five ways to top up your super, faster","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30303-news-recoverystrategy-0824-v1-1400x450.jpg","description":"<p>Worried you may not have enough to retire? Here are five ways to boost your super balance so you can look forward to retirement.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"08 Aug 2024","readingTime":"4 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/how-fixed-interest-investments-protect-and-grow-your-capital.html","videoUrl":null,"heading":"How fixed interest got its groove back","imageUrl":"/content/dam/cfs-winged/images/member/market-updates,-news---insights/30303-News-FixedInterest-0824-v1-1400x450-2x.jpg","description":"<p>Looking for higher returns than cash in the bank with less volatility than shares and property? With interest rates generally considered to be at or near their peak, fixed interest investments, such as bonds and other credit investments, may offer an attractive ‘middle ground’, writes Robert Graham-Smith.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"08 Aug 2024","readingTime":"5 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/3-steps-to-top-up-your-super-for-a-better-retirement.html","videoUrl":null,"heading":"Three steps to super success in 2024-25","imageUrl":"/content/dam/cfs-winged/images/member/market-updates,-news---insights/30303-News-3Steps-0824-v1-1400x450-2x.jpg","description":"<p>Get on the front foot this financial year by checking in with your super and making sure you’re not missing out on any opportunities to grow your wealth.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"08 Aug 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/how-investment-markets-performed-in-fy24.html","videoUrl":null,"heading":"Investment market winners and losers for 2023-24 and what’s next","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/news-winlose-0824-v2-1400x450.jpg","description":"<p>Global and local shares were the top-performing investment sectors of the past financial year, but new opportunities are emerging with inflation expected to remain volatile. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"08 Aug 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/july-2024-asset-test-changes-that-may-impact-your-pension.html","videoUrl":null,"heading":"Three essential pension changes to know for 2024-25","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30303-news-pensionchanges-0824-1400x450.jpg","description":"<p>Changes to the income and assets test thresholds, and deeming rate thresholds, could mean more Age Pension in your pocket. And if you have an account-based pension, your minimum drawdown may increase. Here’s what you should know.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"07 Aug 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/cfs-market-update-july-2024.html","videoUrl":null,"heading":"CFS Market Update: July 2024","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/market-updates-july-2024-banner-1400x450.jpg","description":"<p>The Reserve Bank of Australia (RBA) kept interest rates on hold at 4.35% in August, while dramatic movements in global financial markets just this week saw commentators predict a US recession. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"06 Aug 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/news-and-updates/market-updates/what-goes-down-must-go-up.html","videoUrl":null,"heading":"What goes down, must go up","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30303-News-MarketVolatility-0824-v1-1400x450@2x.jpg","description":"<p>A reminder to stay calm during short term market instability.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"18 Jul 2024","readingTime":"5 min","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/cfs-delivers-strong-balanced-and-growth-super-returns-in-fy23-24.html","videoUrl":null,"heading":"Outstanding investment returns as CFS delivers another year of double-digit results","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/30220-eDM-banner3-0724-v01.jpg","description":"<p>CFS continues its upward trajectory with a second consecutive year of impressive double-digit returns for members invested in a range of balanced and growth super options - that’s anything but average financial year 2023-24 results.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"09 Jul 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/news-and-updates/market-updates/market-update-june-2024.html","videoUrl":null,"heading":"CFS Market Update: June 2024","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/market-update-june-2024-mobile-banner.jpg","description":"<p>The Reserve Bank of Australia (RBA) kept interest rates on hold at 4.35% in June while higher-than-expected inflation data raised the prospect of interest rates hikes later this year.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"12 Jun 2024","readingTime":"3 mins","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/capital-gains-tax-and-maximising-investment-returns.html","videoUrl":null,"heading":"Don’t lose sleep over capital gains","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/capital-gains-tax-1400x450.jpg","description":"<p>When your investments grow, keep your tax-time stress low. Get on top of tax-time, and the impact of capital gains, with our end-of-financial year investment checklist.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"11 Jun 2024","readingTime":"5 mins","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/all-the-benefits-for-age-pension-recipients.html","videoUrl":null,"heading":"Staying on top of your entitlements means more money in your pocket","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/benefits-for-age-pension-mobile.jpg","description":"<p>Federal Budget announcements like the freeze on deeming rates and changes to Medicare can mean the difference between swimming and treading water to many older Australians. We peek below the surface at how the 2024-25 Budget aims to keep your household budget buoyant in the year ahead. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"07 Jun 2024","readingTime":"8 mins","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/boost-your-super-before-30-june-2024.html","videoUrl":null,"heading":"Boost your super before 30 June 2024 to maximise EOFY tax savings ","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/boost-your-super-mobile.jpg","description":"<p>The chance to utilise some unused carry-forward contributions and minimise your tax bill runs out for the first time on 30 June 2024. Taking advantage of these and other smart ways to boost your super this financial year could help you maximise your tax savings and get those happy feels now, as well as when you retire.  </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"07 Jun 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/cfs-market-update-may-2024.html","videoUrl":null,"heading":"CFS Market Update: May 2024","imageUrl":"/content/dam/cfs-winged/images/member/market-updates,-news---insights/market-update-may-2024-1400x450.jpg","description":"<p>Both the US Federal Reserve (Fed) and the Reserve Bank of Australia (RBA) left rates on hold in early May as inflation moderated. However, both central banks noted that inflation remains high and is falling more gradually than expected, decreasing the likelihood of rate cuts this year.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"07 Jun 2024","readingTime":"8 mins","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/retire-richer-with-more-super.html","videoUrl":null,"heading":"Retire richer with more super by using 30 June 2024 EOFY tax savings","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/retire-richer-mobile.jpg","description":"<p>Some people still think of super as savings that can’t be touched until they retire. But there are flexible ways to use the tax benefits of super to help you retire with more – and even enjoy a little wriggle room along the way.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"06 Jun 2024","readingTime":"4 mins","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/mistake-to-avoid-to-retire-on-your-terms.html","videoUrl":null,"heading":"CFS super CEO Kelly Power warns of the mistake to avoid to retire on your terms ","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/retirement-planning-story-1.png","description":"<p>Most Australians don’t stop working when they expect to. But getting advice and planning early means you may still be able to retire on your own terms, writes CFS CEO of Super, Kelly Power. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"06 Jun 2024","readingTime":"4 mins","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/cfs-report-ranks-happiest-cities-to-retire-in-australia.html","videoUrl":null,"heading":"Which city has more happy retirees? One capital shades the rest","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/happy-retirees-story-mobile.jpg","description":"<p>Most Australian retirees are positive about retirement and say they are enjoying their golden years. But if you live in Brisbane, they may be just a tad more golden, new research shows.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"06 Jun 2024","readingTime":"3 mins","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/five-traits-cfs-looks-for-in-fund-managers.html","videoUrl":null,"heading":"How CFS identifies fund managers that drive growth","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/cfs-identifies-fund-managers-tile.png","description":"<p>The numbers matter when it comes to finding high-performance fund managers. But it takes both data and intuition to identify the best talent, writes CFS Head of Equities Ben Lam.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"14 May 2024","readingTime":"4 min","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/federal-budget-2024.html","videoUrl":null,"heading":"Budget 2024-25: energy rebates, tax cuts, super changes announced","imageUrl":"/content/dam/cfs-winged/images/firsttech/federal-budget/30017-federal-budget-956x748.jpg","description":"<p>On 14 May, the Federal Government handed down its Budget for 2024-25. It focused on tax cuts, cost-of-living measures to ease the pressure on Australian households, and investment in critical industries. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"10 May 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/cfs-market-update-april-2024.html","videoUrl":null,"heading":"CFS Market Update: April 2024","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/cfs-market-update-april-2024-tile.jpg","description":"<p>Central banks globally have generally kept interest rates on hold as optimism around cuts later in the year wanes. As expected, there's been ongoing market volatility which we anticipate will persist in coming months.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"05 Apr 2024","readingTime":"5 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/increase-in-age-pension-payments.html","videoUrl":null,"heading":"Millions to get more Age Pension starting from 20 March 2024","imageUrl":"/content/dam/colonial-first-state/images/personal/news/age-pension-payments-header-banner-1312x367.jpg","description":"<h4>Government Age Pension payments increased on 20 March, so if you're one of the millions of eligible Australians, you’ll have a little more to spend.</h4>\r\n<h4> </h4>\r\n<h4>The increases are designed to help address inflation and cost-of-living increases. Here’s what happened.</h4>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"05 Apr 2024","readingTime":"4 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/social-media-scams.html","videoUrl":null,"heading":"Social media scams: Who’s really following you?","imageUrl":"/content/dam/colonial-first-state/images/personal/articles/header/social-media-scams-mobile-1.jpg","description":"<p>Cyber criminals are targeting people based on personal details and preferences – and reeling them in with professional-looking follow-ups. Find out how to protect yourself. </p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"04 Apr 2024","readingTime":"3 mins","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/markets-and-investments-round-up-march-2024.html","videoUrl":null,"heading":"CFS Market Update: March 2024","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/020424-cfs-member-market-update-march-headerbanner-1312x367.jpg","description":"<p>The Reserve Bank of Australia (RBA) kept interest rates on hold at 4.35% while buoyant economic activity globally may slow the number of rate cuts expected in key markets this year.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"04 Mar 2024","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/how-do-aussie-womens-finances-stack-up.html","videoUrl":null,"heading":"How do Aussie women’s finances stack up?","imageUrl":"/content/dam/colonial-first-state/images/personal/news/finance-stack-up-382x382.jpg","description":"<p>Here are 4 essential tips for Australian women to take control of their super balance and financial future for comfortable retirement.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"04 Mar 2024","readingTime":"3 mins","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/what-do-the-stage-3-tax-cuts-mean-for-you.html","videoUrl":null,"heading":"What do the Stage 3 tax cuts mean for you?","imageUrl":"/content/dam/colonial-first-state/images/personal/news/article-2-tile-521704277_450x1400.jpg","description":"<p>Full guide to understanding what are stage 3 tax cuts, its impact on middle and low income earners and total tax savings</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"04 Mar 2024","readingTime":"3 mins","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/australians-agree-people-need-financial-advice.html","videoUrl":null,"heading":"Australian’s agree: people need financial advice","imageUrl":"/content/dam/colonial-first-state/images/personal/news/people-need-financial-advice-1-1458806973_382x382.jpg","description":"<p>CFS research finds over 70% Australians aged 25 to 29 willing to pay from their super balance for financial advice as cost-of-living bites.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"04 Mar 2024","readingTime":"3 mins","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/the-age-pension-mistake-costing-australians.html","videoUrl":null,"heading":"The Age Pension mistake costing Australians","imageUrl":"/content/dam/colonial-first-state/images/personal/news/age-pension-mistake-1162374266_382X382.jpg","description":"<p>Case study finds how one mistake cost retiree $75,000 in potential lost income after he was eligible for Age Pension.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"04 Mar 2024","readingTime":"3 mins","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/how-women-can-future-proof-their-wealth.html","videoUrl":null,"heading":"How women can future-proof their wealth","imageUrl":"/content/dam/colonial-first-state/images/personal/news/article-5-tile-1424309777_450x1400.jpg","description":"<p>Here are 3 common steps women can take to avoid financial hardship and be better prepared in retirement like men.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"04 Mar 2024","readingTime":"3 mins","tag":"Article"},"headingLink":"/personal/tools-resources/market-insights-news/will-the-stage-3-tax-cuts-affect-your-finances.html","videoUrl":null,"heading":"Will the Stage 3 tax cuts affect your finances?","imageUrl":"/content/dam/colonial-first-state/images/personal/news/tax-cuts-finances-1456068488_367x1312.jpg","description":"<p>Learn how stage 3 tax cuts can be a perfect opportunity for you to build retirement wealth by salary sacrificing into your super account.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"27 Feb 2024","readingTime":"3 min read","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/markets-and-investments-round-up-january-february-2024.html","videoUrl":null,"heading":"CFS Market Update: January - February 2024","imageUrl":"/content/dam/cfs-winged/images/member/market-updates/270224-29889_tier2_banner_master_mobile_764x764_Couple.jpg","description":"<p>Major central banks held off from changing interest rates from their current levels in their first monetary policy meetings for 2024.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"16 Feb 2024","readingTime":"4 min","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/tax-deductible-super-contributions.html","videoUrl":null,"heading":"How to get more from your 2023 tax return with super contributions","imageUrl":"/content/dam/cfs-winged/images/home/tools-resources/market-updates/article-03.jpg","description":"<p>We all want to make the most of our tax return each year. Did you know, other than claiming the usual work-related expenses, certain super contributions may also be tax deductible?</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"19 Dec 2023","readingTime":"4 mins","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/want-to-earn-more-and-keep-your-age-pension.html","videoUrl":null,"heading":"Want to earn more and keep your Age Pension?","imageUrl":"/content/dam/cfs-winged/images/member/market-updates,-news---insights/201223-want-to-earn-more-money-and-keep-your-pension-customer-headerbanner-1400x450.jpg","description":"<p>The government’s Work Bonus means you can earn a little more without it affecting your pension. The permanent increase to the Work Bonus means you may be able to continue this longer if you choose.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"17 Dec 2023","readingTime":"3 min","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/markets-and-investments-round-up-november-december-2023.html","videoUrl":null,"heading":"CFS Market Update: November - December 2023","imageUrl":"/content/dam/cfs-winged/images/member/market-updates,-news---insights/181223-markets-roundup-november-december-2023-customers-headerbanner-1400x450.jpg","description":"<p>The Reserve Bank of Australia (RBA) kept interest rates on hold at 4.35%. The US Federal Reserve and European Central Bank also left rates unchanged in December monetary policy meetings.</p>\r\n","mediaType":"image","iconUrl":null},{"layout":"vertical","metadata":{"date":"07 Nov 2023","readingTime":"4 min","tag":"Article"},"headingLink":"/personal/news-and-updates/latest-from-cfs/interest-rate-rises.html","videoUrl":null,"heading":"Why is the RBA still lifting interest rates in 2023?","imageUrl":"/content/dam/colonial-first-state/images/personal/news/latest-from-cfs/young-australians-open-to-advice/28875%20DotCom%20HeaderBanner-Mobile-900x450_GettyImages-1354237603.jpg","description":"<p>With a dozen rate hikes since May last year, you may be wondering, is there an end in sight? And more to the point, why have increases been so consistent after years of record-low rates?</p>\r\n<p> </p>\r\n<p>Here’s what you need to know, including how movements in interest rates could affect you. </p>\r\n","mediaType":"image","iconUrl":null}] </script> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section role="tabpanel" id="tabs-a22e2bb854-item-b1e94e1b17-tabpanel" aria-labelledby="tabs-a22e2bb854-item-b1e94e1b17-tab" data-tabId="tabs-a22e2bb854-item-b1e94e1b17" data-active="false" data-cmp-hook-tabs="tabpanel" class="Tabs__TabPanel"> <button data-cmp-hook-tabs="accordionTitle" class="Tabs__TabPanelTitle" tabindex="0"> <span>News</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> <div class="Tabs__TabPanelContentWrapper"> <div class="Tabs__TabPanelContent" data-cmp-hook-tabs="accordionContent"> <div> <div><div class="container responsivegrid"> <div id="container-b1e94e1b17" class="cmp-container"> <div class="aem-Grid aem-Grid--12 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aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="title-d2a4f1f675" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">CFS News </h2> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-ddce881bc1" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 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href="/etc.clientlibs/cfs-winged/components/content/cardleft/clientlibs.lc-d86a6a194361057130e4852a1025f66a-lc.min.css" type="text/css"> <div data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container horizondalLine verticalLine"> <div class="CardInfo__Content"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Update</span> </div> <h3 class="CardInfo__Heading h3"> Notification of the change in external auditor for Avanteos Investments Limited (AIL) </h3> <div class="CardInfo__Buttons"> <div class="CardInfo__Button"> <a data-tracker-locationid="Read more" href="/personal/news-and-updates/latest-from-cfs/notification-of-the-change-in-external-auditor" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Read more </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 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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.</p> <p> </p> <p>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 <a href="https://www.cfs.com.au/personal/products/target-market-determinations.html?adobe_mc=MCMID%3D72883161770612848214423846834851569452%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1689132239">www.cfs.com.au/tmd</a>, 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 <a href="https://www.cfs.com.au/next/home.html?adobe_mc=MCMID%3D72883161770612848214423846834851569452%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1689132239">www.cfs.com.au</a> or by calling us on <a href="tel:131336">13 13 36</a>. 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