Investment Choice

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Try a ready-made option.</p> <p> </p> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid 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--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/people-160x120.png" alt="Tailor your own"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Tailor your own </span> </h3> <div class="CardPromo__ContentCopy"><p>If you’re the hands-on type, our tailor your own option lets you create your own super portfolio from our products.</p> <p> </p> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid 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--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/lower-fees-160x120.png" alt="Low risk"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Low risk </span> </h3> <div class="CardPromo__ContentCopy"><p>Undecided about your long-term investment strategy? All good. Our low risk First Sentier Wholesale Strategic Cash option is a great choice for now.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-5f7cb61bdf" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background--white "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="imageandtext teaser aem-GridColumn aem-GridColumn--default--12"><div class="ImageAndText ImageAndText--position-image_right" id="imageandtext-4a83e79dae"> <div class="ImageAndText__Container wrapper"> <figure class="ImageAndText__Image"> <img src="/content/dam/cfs-winged/images/object-image/thrive+_banner.jpg"/> </figure> <div class="ImageAndText__Content"> <div class="ImageAndText__ContentInner rte"> <h4 class="h4"></h4> <h2 class="h2">Thrive+ </h2> <div class="p2"><p>CFS Thrive+ Sustainable Growth is our new sustainable investment option. Our aim is to make a positive contribution to people, planet, and policy.</p> </div> <div> </div> <div> <a data-tracker-locationid="Learn More" href="https://www.cfs.com.au/thrive-plus.html" data-theme="black" class=" Button Button--theme-black Button--type-outline "> <span class="Button__Label"> Learn More </span> </a> </div> </div> </div> </div> </div> </div> <div class="rawtext text aem-GridColumn aem-GridColumn--default--12"><div id="rawtext-16829b1cdd"><div class="ImageAndText ImageAndText--position-image_left" style="background: undefined;"><div class="ImageAndText__Container wrapper"><figure class="ImageAndText__Image"> <img src="/content/dam/cfs-winged/images/image-text-left.svg" alt=""></figure> <div class="ImageAndText__Content"><div class="ImageAndText__ContentInner"><h2 class="h2">Get to know your risk appetite</h2> <div class="p1">We all have a different appetite for risk, and it can change over time. Learn more about yours with our risk profiler tool so you can feel comfortable making investment decisions.</div> <div><a class="Button Button--theme-blue Button--type-solid" href="https://www.cfs.com.au/personal/overview/risk-profiler.html" data-tracker-locationid="Take the test"><span class="Button__Label">Take the test</span> </a></div> </div> </div> </div> </div> </p> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-5e830eec2c" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background--white "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-97e20cc589" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="imageandtext teaser aem-GridColumn aem-GridColumn--default--12"><div class="ImageAndText ImageAndText--position-image_right" id="imageandtext-1e12ae4b84"> <div class="ImageAndText__Container wrapper"> <figure class="ImageAndText__Image"> <img src="/content/dam/cfs-winged/images/object-image/in-page-chess.png" alt="more for you"/> </figure> <div class="ImageAndText__Content"> <div class="ImageAndText__ContentInner rte"> <h4 class="h4"></h4> <h2 class="h2">Lower admin fees means more for you in your second half</h2> <div class="p2"><p>We have one of the lowest admin fees<sup>**</sup> around and strive to deliver strong long-term performance. Together it’s a good combo.</p> </div> <div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-7aee438bec" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title 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--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="title-274a07ccd5" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Our passion for performance and service is why we’re one of the most consistently awarded</h2> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-preset Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-4808f9c510" class="cmp-experiencefragment cmp-experiencefragment--member"> <div id="container-7e23ed0b18" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn 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aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardaward card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div class="AwardsCard verticalLine"> <img src="/content/dam/cfs-winged/images/about-us/award/2024-money-award-highest-super-performer.jpg" alt=""/> <h3 class="h4">Money magazine</h3> <div class="rte"><p><b>Best of the Best</b></p> <p><b>2024</b></p> <p> </p> <p>Highest Super Performer - FirstChoice Employer - CFS Geared Share Select</p> </div> </div> </div> </div> </div> <div class="responsivegrid 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--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 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aem-Grid--phone--12 "> <div class="cardaward card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div class="AwardsCard "> <img src="/content/dam/cfs-winged/images/about-us/award/2024-money-award-highest-pension-performer.jpg" alt=""/> <h3 class="h4">Money magazine</h3> <div class="rte"><p><b>Best of the Best</b></p> <p><b>2024</b></p> <p> </p> <p>Highest Pension Performer - FirstChoice Wholesale Pension - CFS Geared Share </p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-fdb0d2ca85" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="textandbuttons aem-GridColumn aem-GridColumn--default--12"> <div class=" TextAndButtons TextAndButtons--alignment-center"> <div class="container"> <div class="wrapper"> <div class="TextAndButtons__Text p3 rte"> <h3><span style=" font-weight: normal; ">Start working towards a sustainable financial future today</span></h3> </div> <div class="TextAndButtons__Buttons"> <div class="TextAndButtons__Button"> <a data-tracker-locationid="Join now" href="https://www.cfs.com.au/join-now.html#investments" data-theme="blue" class=" Button Button--theme-blue Button--type-solid "> <span class="Button__Label"> Join now </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-b331aeb4dd" 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<div class="responsivegrid 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--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/search-160x120.png" alt="Find a Local Adviser"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Find a Local Adviser </span> </h3> <div class="CardPromo__ContentCopy"><p>We recommend speaking to 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class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/direction-160x120.png" alt="Retirement Calculator"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Retirement Calculator </span> </h3> <div class="CardPromo__ContentCopy"><p>Quickly and easily estimate how much super you may have in retirement and how much you may need.</p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Use calculator" href="https://www.cfs.com.au/retirement-calculator.html" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Use calculator </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container 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No minimum suggested timeframe to hold FirstRate Cash. FirstRate Cash returns will fluctuate over time. For the Geared Share fund, gearing magnifies both gains and losses. Minimum suggested timeframe to hold investments is at least 7 years. Investment returns and capital repayment are not guaranteed. Returns are for FirstChoice Wholesale Investments portfolios, calculated on a cumulative year-on-year basis which are then annualised. Returns are after ongoing fees and expenses and net of superannuation earnings taxes. Past performance is not indicative of future performance.</sup></p> <p style=" text-align: left; "><sup> </sup></p> <p style=" text-align: left; "><sup>** Chant West Super Fund Fee Survey September 2024, based on an account balance of $50,000.</sup></p> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-a7a98d7e06" class="cmp-experiencefragment cmp-experiencefragment--disclaimers"> <div id="container-4a00b9b8ca" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-f540b0ff2a" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--black "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="disclaimer aem-GridColumn aem-GridColumn--default--12"> <div class="Disclaimer background--" data-cmp-is="disclaimer" data-accordion="true" data-active="false"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="Disclaimer__Panel" data-cmp-hook-disclaimer="panel"> <div class="Disclaimer__PanelInner"> <div class="Disclaimer__PanelBody rte"><p>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.</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 title="TMD" href="/content/cfs-winged/au/en/personal/products/target-market-determinations.html">https://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. 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