Employer

<!DOCTYPE HTML> <html lang="en"> <head> <meta charset="UTF-8"/> <title>Employer</title> <meta name="template" content="employer-page"/> <meta name="viewport" content="width=device-width, initial-scale=1.0"/> <meta name="pageName" content="cfs:next:employer"/> <meta property="date-published" content="Tue Jun 27 11:23:50 UTC 2023"/> <meta property="date-modified" content="Fri Jan 31 05:41:56 UTC 2025"/> <script defer="defer" type="text/javascript" src="/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js"></script> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/clientlibs/clientlib-dependencies.lc-d41d8cd98f00b204e9800998ecf8427e-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/clientlibs/clientlib-site.lc-3c9a6eb73f005ee154abe14b2babdcd1-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/core/wcm/components/accordion/v1/accordion/clientlibs/site.lc-44a1783be8e88dc73188908af6c38c01-lc.min.css" type="text/css"> <link 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src="/content/dam/cfs-winged/lotties/lottie-player.js"></script>  <div class="root responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-cd2a80bd1b" class="cmp-experiencefragment cmp-experiencefragment--employer-header"> <div id="container-590e9e1900" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="header aem-GridColumn aem-GridColumn--default--12"> <header class="Header Header--background-blur-off Header--gradient" data-cmp-is="header" data-visible="Members" data-megamenu="closed" data-hamburger="closed" data-search="closed" data-select="closed" data-hideup="0"> <div data-cmp-hook-header="container"> <div class="Header__Top_Wrapper"> <div class="Header__Top_Container"> <div class="wrapper"> <div class="Header__Top"> <div class="Header__MenuSelect"> <div class="Header_Button_Mobile"> <button title="Employer" class="Header__MenuSelectButton" data-cmp-hook-header="selectOpen"> <span>Employer</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header_Menu_Desktop"> <ul class="Header__DrawerNavItem"> <li> <a data-cmp-hook-header="selectOption" id="Customer" data-active="false" href="/home">Customer </a> </li> <li> <a data-cmp-hook-header="selectOption" id="Adviser" data-active="false" href="https://www.cfs.com.au/adviser.html">Adviser </a> </li> <li class="selectedTab"> <a data-cmp-hook-header="selectOption" id="Employer" data-active="false" href="https://www.cfs.com.au/employer.html">Employer </a> </li> </ul> </div> </div> <nav class="Header__SecondaryMenu" aria-label="Secondary"> <ul class="Header__SecondaryMenuList"> <li class="Header__SecondaryMenuItem"> <a class="Header__SecondaryMenuLink" href="/about-us">About us</a> </li> <li class="Header__SecondaryMenuItem"> <a class="Header__SecondaryMenuLink" href="/about-us/contact-us/contact-details">Contact us</a> </li> </ul> </nav> </div> </div> </div> <div class="Header__MenuSelectList_Container"> <div class="wrapper"> <div class="Header__MenuSelectList">  <ul> <li> <a data-cmp-hook-header="selectOption" href="/home"> <span class="Menu_Title">Customer</span>  </a> </li> <li> <a data-cmp-hook-header="selectOption" href="https://www.cfs.com.au/adviser.html"> <span class="Menu_Title">Adviser</span>  </a> </li> <li class="selectedItem"> <a data-cmp-hook-header="selectOption" href="https://www.cfs.com.au/employer.html"> <span class="Menu_Title">Employer</span>  </a> </li> </ul> </div> </div> </div> </div> <div class="Nav__container"> <div class="wrapper"> <div class="Header__Bar"> <div class="Header__Logo"> <a href="/"> <img src="/content/dam/cfs-winged/images/CFS-logo.svg" alt="Colonial First State"/> </a> </div> <button class="Header__HamburgerOpen" aria-label="Open navigation" data-cmp-hook-header="hamburger"> <span class="Header__HamburgerLine"></span> <span class="Header__HamburgerLine"></span> <span class="Header__HamburgerLine"></span> </button> <nav class="Header__PrimaryMenu" aria-label="Primary"> <ul class="Header__PrimaryMenuList Header__PrimaryMenuList--Members"> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Super"> <span>Super</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="aem-Grid aem-Grid--xs--12"> <div class="aem-GridColumn aem-GridColumn--offset--xs--0 aem-GridColumn--xs--12"> <div class="Header__DrawerWrapper"> <div class="aem-Grid aem-Grid--xs--12"> </div> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--row"> <nav class="Header__DrawerMenu" aria-label="CFS super"> <a class="Header__DrawerMenuHeading" href="/employer/super">CFS super</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/firstchoice-lifestage-tool">FirstChoice Lifestage </a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/employer/employer-super/investment-options">Choice options </a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/thrive-plus">Thrive+ </a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/employer/employer-super/employee-benefits">Employee benefits</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/about-us/contact-us">Help</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="https://www.cfs.com.au/about-us.html#fund-details">USI ABN</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/employer/guidance/how-to-pay-super">Pay super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/find-a-form/find-a-form">Forms</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/employer/resources/employer-insights-news">News and insights</a> </li> </ul> </nav> </div> <div class="aem-Grid aem-Grid--xs--12"> </div> </div> </div> </div> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus">  <div class="Header__SubMenu" data-id="Super" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-CFS super" href="/employer/super" class="Header__SubMenuHeading"> <span>CFS super</span>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/firstchoice-lifestage-tool"> <span>FirstChoice Lifestage </span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/employer-super/investment-options"> <span>Choice options </span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/thrive-plus"> <span>Thrive+ </span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/employer-super/employee-benefits"> <span>Employee benefits</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Help" href="/about-us/contact-us" class="Header__SubMenuHeading"> <span>Help</span>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="https://www.cfs.com.au/about-us.html#fund-details"> <span>USI ABN</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/guidance/how-to-pay-super"> <span>Pay super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/find-a-form/find-a-form"> <span>Forms</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/resources/employer-insights-news"> <span>News and insights</span> </a> </li>  </ul> </div>     </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Insurance"> <span>Insurance</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="aem-Grid aem-Grid--xs--12"> <div class="aem-GridColumn aem-GridColumn--offset--xs--0 aem-GridColumn--xs--12"> <div class="Header__DrawerWrapper"> <div class="aem-Grid aem-Grid--xs--12"> </div> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--row"> <nav class="Header__DrawerMenu" aria-label="Insurance in super"> <a class="Header__DrawerMenuHeading" href="/employer/insurance">Insurance in super</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/employer/super/insurance/your-insurance-options">Insurance options</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/employer/insurance-for-employers/first-choice-employer-super-insurance">Our insurer (AIA)</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs/superannuation/make-a-claim">Claims process</a> </li> </ul> </nav> </div> <div class="aem-Grid aem-Grid--xs--12"> </div> </div> </div> </div> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus">  <div class="Header__SubMenu" data-id="Insurance" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Insurance in super" href="/employer/insurance" class="Header__SubMenuHeading"> <span>Insurance in super</span>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/super/insurance/your-insurance-options"> <span>Insurance options</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/insurance-for-employers/first-choice-employer-super-insurance"> <span>Our insurer (AIA)</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs/superannuation/make-a-claim"> <span>Claims process</span> </a> </li>  </ul> </div>     </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Support"> <span>Support</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="aem-Grid aem-Grid--xs--12"> <div class="aem-GridColumn aem-GridColumn--offset--xs--0 aem-GridColumn--xs--12"> <div class="Header__DrawerWrapper"> <div class="aem-Grid aem-Grid--xs--12"> </div> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--row"> <nav class="Header__DrawerMenu" aria-label="Resources"> <a class="Header__DrawerMenuHeading" href="/employer/support">Resources</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/employer/resources/employer-insights-news">News and insights</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/employer/guidance/your-obligations">Your obligations</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/super/types-of-super/mysuper-dashboard">MySuper dashboard</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="https://www.colonialfirststate.com.au/Price_performance/performanceNPrice.aspx?menutabtype=performance&CompanyCode=001&Public=1&adobe_mc=MCMID%3D10034831447060356831232710854770039119%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1729075269">Funds and Performance</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs">FAQs</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Forms"> <a class="Header__DrawerMenuHeading" href="/personal/resources/find-a-form/find-a-form">Forms</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="https://www.cfs.com.au/content/dam/prospects/fs/6/8/fs6883.pdf?">Complying fund letter</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/tools-calculators/product-disclosure-statements">Product Disclosure Statement</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/products/products-and-update">Product updates</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/products/target-market-determinations">Target Market Determinations</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="https://www.cfs.com.au/content/dam/prospects/fs/8/5/fs856.pdf">Policy Committee Guide</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/about-us/contact-us">Help</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/employer/service-and-support/corporate-super-specialist">Contact a Relationship Manager</a> </li> </ul> </nav> </div> <div class="aem-Grid aem-Grid--xs--12"> </div> </div> </div> </div> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus">  <div class="Header__SubMenu" data-id="Support" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Resources" href="/employer/support" class="Header__SubMenuHeading"> <span>Resources</span>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/resources/employer-insights-news"> <span>News and insights</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/guidance/your-obligations"> <span>Your obligations</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/super/types-of-super/mysuper-dashboard"> <span>MySuper dashboard</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="https://www.colonialfirststate.com.au/Price_performance/performanceNPrice.aspx?menutabtype=performance&CompanyCode=001&Public=1&adobe_mc=MCMID%3D10034831447060356831232710854770039119%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1729075269"> <span>Funds and Performance</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs"> <span>FAQs</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Forms" href="/personal/resources/find-a-form/find-a-form" class="Header__SubMenuHeading"> <span>Forms</span>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="https://www.cfs.com.au/content/dam/prospects/fs/6/8/fs6883.pdf?"> <span>Complying fund letter</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/tools-calculators/product-disclosure-statements"> <span>Product Disclosure Statement</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/products/products-and-update"> <span>Product updates</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/products/target-market-determinations"> <span>Target Market Determinations</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="https://www.cfs.com.au/content/dam/prospects/fs/8/5/fs856.pdf"> <span>Policy Committee Guide</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Help" href="/about-us/contact-us" class="Header__SubMenuHeading"> <span>Help</span>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/service-and-support/corporate-super-specialist"> <span>Contact a Relationship Manager</span> </a> </li>  </ul> </div>     </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="false"> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="false"> <div class="Header__PrimaryMenuButton"> <a href="https://www.cfs.com.au/about-us.html" data-cmp-hook-header="megamenuOpen" data-target-id="About us"> <span>About us</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </a> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus">  <div class="Header__SubMenu" data-id="About us" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> </div>     </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="false"> <div> <a href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001" role="button" class="Button Button--theme-black Button--type-solid color-white"> <span>Login</span> </a> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus">  <div class="Header__SubMenu" data-id="Login" data-level="1" data-active="false"> <div 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class="CardPromo__Container horizondalLine "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/animated-resized/performance-160x120.gif" alt="We’re focussed on strong, long-term performance "/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> We’re focussed on strong, long-term performance </span> </h3> <div class="CardPromo__ContentCopy"><p>Strong returns for MySuper members in the year ended June 2024.<sup>1 </sup></p> <p> </p> <p> </p> <p> </p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn more" href="/personal/news-and-updates/latest-from-cfs/outstanding-cfs-returns-2024" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Learn more </span> </a> </div> </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 horizondalLine "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/animated-resized/lower-fees_160x120.gif" alt="Consistently low <br>fees"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Consistently low <br>fees </span> </h3> <div class="CardPromo__ContentCopy"><p>Fees 15% lower than the super fund average.<sup>2 </sup></p> <p> </p> <p> </p> <p> </p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn more" href="/fees-and-performance" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Learn more </span> </a> </div> </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 horizondalLine "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/animated-resized/percentage-160x120-v2.gif" alt="Insurance cover you <br>can trust"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Insurance cover you <br>can trust </span> </h3> <div class="CardPromo__ContentCopy"><p><b></b>94% of claims were accepted for FirstChoice Employer Super in the 12-month period to June 2024.<sup>3</sup></p> <p> </p> <p> </p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn more" href="/employer/insurance" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Learn more </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn 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I am delighted with the service provided which is always very prompt and professional. The expertise given to our staff, their members, cannot be faulted."</i></p> <p> </p> <p>Jodie Usher, Payroll Manager, Ray White</p> </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-9b905ed750" 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-sm 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="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-c191d5c213" class="cmp-title"> <h3 class="cmp-title__text text--center colour-- h3">We support over 4,500 Australian businesses*</h3> </div> </div> </div> </div> </div> </div> </div> <div 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a call.^</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/customer-service-160x120.png" alt="Not your average customer service"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Not your average customer service </span> </h3> <div class="CardPromo__ContentCopy"><p>Our Australian call centre has been rated 9/10 by our customers in 2024^^</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/unification-160x120.png" alt="Making super simple for you and your team"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Making super simple for you and your team </span> </h3> <div class="CardPromo__ContentCopy"><p>We’ll make sure you stay on top of the ever-changing super regulations for your company.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--12"> </div> <div class="text aem-GridColumn aem-GridColumn--default--12"> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-6ea6d350a0" 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-sm container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="margin"> <div 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href="https://www.cfs.com.au/personal/resources/funds-and-performance/funds-and-performance-search.html" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/icon-check-balance.png" alt=""/> <p class="SelfServe__IconTitle"> View Unit Prices </p> </a> </div> </div> </li> </ul> </div> <div class="SelfServe__ContainerRight"> <ul class="SelfServe__ArticleList"> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="https://www.cfs.com.au/personal/news-and-updates/latest-from-cfs/eofy-2023-performance.html" target="_blank" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> CFS delivers double-digit returns with one of the lowest admin fees <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> Strong returns saw CFS outpace other super providers despite challenging market conditions this financial year. </div> </div> </a> </div> </li> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="https://www.cfs.com.au/personal/products/superannuation/employer-super/investment-options.html" target="_self" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> A range of investment options for your employees <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> With FirstChoice Employer Super, you’ll be providing your employees with access to a range of investment options. We support those who prefer the simplicity of an automated strategy, as well as those who enjoy taking a more active role in managing their super. </div> </div> </a> </div> </li> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="/employer/insurance-for-employers/first-choice-employer-super-insurance" target="_self" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> Importance of insurance in super <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> FirstChoice Employer Super (FirstChoice) provides a flexible range of insurance design solutions that meets your employees' needs. </div> </div> </a> </div> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </section> <section role="tabpanel" id="tab2-tabpanel" aria-labelledby="tab2-tab" data-tabId="tab2" data-active="false" data-cmp-hook-tabs="tabpanel" class="Tabs__TabPanel"> <button data-cmp-hook-tabs="accordionTitle" class="Tabs__TabPanelTitle" tabindex="0"> <span>Latest Employer 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 class="CardContainer" data-cmp-is="CardContainer"> <div class="CardContainer__Container"> <div class="SelfServe__Container"> <div class="SelfServe__ContainerLeft"> <h3 class="SelfServe__ContentHeading h6 colour--black"> Common tasks </h3> <ul class="SelfServe__IconList"> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.cfs.com.au/content/dam/prospects/fs/6/8/fs6883.pdf?" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/form.png" alt=""/> <p class="SelfServe__IconTitle"> Complying fund letter </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="/personal/resources/find-a-form/find-a-form/popular-forms" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/home/icon-find-a-form.svg" alt=""/> <p class="SelfServe__IconTitle"> Find a form </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.colonialfirststate.com.au/forms_tools/download_multi_pdf.aspx?name=FirstChoice+Employer+Super+PDS&pdf=FS743.pdf%2CFS734.pdf%2CFS1999.pdf%2CFS7913.pdf%2CFS8063.pdf%2CFS5115.pdf%2CFS5113.pdf%2CFS5383.pdf%2CFS8110.pdf&LiteratureId386=&adobe_mc=MCMID%3D02836676025098110022217738324410337277%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1685360868" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/form.png" alt=""/> <p class="SelfServe__IconTitle"> Product Disclosure Statement </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.cfs.com.au/personal/resources/funds-and-performance/funds-and-performance-search.html" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/icon-check-balance.png" alt=""/> <p class="SelfServe__IconTitle"> View Unit Prices </p> </a> </div> </div> </li> </ul> </div> <div class="SelfServe__ContainerRight"> <ul class="SelfServe__ArticleList"> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="/employer/resources/employer-insights-news/federal-budget-2024" target="_self" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> Employer's guide to Federal Budget 2024-25 <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> On Tuesday 14 May, the Federal Government handed down its Budget for 2024-25. 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However, while they can see the benefits for their employees, some employers are concerned about what it could mean for their business. </div> </div> </a> </div> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </section> <section role="tabpanel" id="tab3-tabpanel" aria-labelledby="tab3-tab" data-tabId="tab3" data-active="false" data-cmp-hook-tabs="tabpanel" class="Tabs__TabPanel"> <button data-cmp-hook-tabs="accordionTitle" class="Tabs__TabPanelTitle" tabindex="0"> <span>Service and support</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 class="CardContainer" data-cmp-is="CardContainer"> <div class="CardContainer__Container"> <div class="SelfServe__Container"> <div class="SelfServe__ContainerLeft"> <h3 class="SelfServe__ContentHeading h6 colour--black"> Common tasks </h3> <ul class="SelfServe__IconList"> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.cfs.com.au/content/dam/prospects/fs/6/8/fs6883.pdf?" target="_blank" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/form.png" alt=""/> <p class="SelfServe__IconTitle"> Complying fund letter </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="/personal/resources/find-a-form/find-a-form/popular-forms" target="_blank" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/home/icon-find-a-form.svg" alt=""/> <p class="SelfServe__IconTitle"> Find a form </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.colonialfirststate.com.au/forms_tools/download_multi_pdf.aspx?name=FirstChoice+Employer+Super+PDS&pdf=FS743.pdf%2CFS734.pdf%2CFS1999.pdf%2CFS7913.pdf%2CFS8063.pdf%2CFS5115.pdf%2CFS5113.pdf%2CFS5383.pdf%2CFS8110.pdf&LiteratureId386=&adobe_mc=MCMID%3D02836676025098110022217738324410337277%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1685360868" target="_blank" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/form.png" alt=""/> <p class="SelfServe__IconTitle"> Product Disclosure Statement </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.cfs.com.au/personal/resources/funds-and-performance/funds-and-performance-search.html" target="_blank" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/icon-check-balance.png" alt=""/> <p class="SelfServe__IconTitle"> View unit prices </p> </a> </div> </div> </li> </ul> </div> <div class="SelfServe__ContainerRight"> <ul class="SelfServe__ArticleList"> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="/employer/service-and-support/support-for-your-company" target="_blank" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> Support for your company <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> Our team of employer super specialists will make sure you are supported every step of the way by delivering the insights and education you need to make better decisions about employer super. </div> </div> </a> </div> </li> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="https://www.cfs.com.au/employer/first-choice-employer-super/corporate-super-specialists.html" target="_blank" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> Get help from a Relationship Manager <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> Need more information or support? Contact your local Colonial First State Corporate Super Team. </div> </div> </a> </div> </li> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="https://www.cfs.com.au/personal/investment/start-investing/make-a-contribution.html" target="_blank" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> Make an Employer contribution <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> We’ve made it easy for you to make Employer contributions with a variety of payment options. </div> </div> </a> </div> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> </div> <div class="rawtext text aem-GridColumn aem-GridColumn--default--12"><div id="rawtext-2fd8e6e132"><style> @media only screen and (max-width: 992px) { .SelfServe .TabCordion--entry { background-color: white !important; } } </style></p> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-a1b639fee8" class="cmp-experiencefragment cmp-experiencefragment--employer"> <div id="container-b9e36601e8" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <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-d6ceb4f231" 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--default--12 "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-012a18db7c" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Unleash in ways you never thought possible</h2> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-af861b0326" 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-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="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 class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 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--default--4 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="container" id="container-b23f00fa0d" 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-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 "> <div class="title aem-GridColumn aem-GridColumn--default--4"> <div id="title-8bf9d3100c" class="cmp-title"> <h5 class="cmp-title__text text--center colour-- h5">Get in touch</h5> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-850c87275d" class="cmp-text"> <p style=" text-align: center; 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">1 Actual return may be different depending on which Lifestage investment option members are invested in, and when transactions into and out of the options were made. Past performance is no indication of future performance. </p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">2 Source: Chant West Super Fund Fee Survey September 2024 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. Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531. Read PDS and TMD at cfs.com.au  </p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">3 Source: AIA Australia.</p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">* As at 30 September 2023.</p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">^ Source:  CFS Contact Centre - Average Speed of Answer data for member and adviser calls, July to December 2024. </p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">^^ Source:  CFS Customer Satisfaction surveys from 1 July to 31 December 2024 </p> <p style=" text-align: left; "> </p> <p style=" text-align: left; "> </p> <p style=" text-align: left; "><b>Employer Use Only </b></p> <p style=" text-align: left; ">Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the issuer of FirstChoice Employer Super offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557. </p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">This document 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 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 1300 654 666. All applications for these products must be on the application form attached to the PDS, which can be completed online (other than for FirstChoice Employer Super) or on paper. Applications for FirstChoice Employer Super can be made by speaking to your employer or Relationship Manager (RM). Past performance is no indication of future performance.</p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). AIA Australia is not part of the Commonwealth Bank Group or CFS. 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