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Why Choose CFS (FirstChoice Employer Super)
<!DOCTYPE HTML> <html lang="en"> <head> <meta charset="UTF-8"/> <title>Why Choose CFS (FirstChoice Employer Super)</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:first-choice-employer-super"/> <meta property="date-published" content="Sun Nov 19 11:40:06 UTC 2023"/> <meta property="date-modified" content="Mon Jan 08 01:33:36 UTC 2024"/> <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-3e581f61a1d3193f43dd06d61b5b5cfa-lc.min.css" type="text/css"> <link rel="stylesheet" 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class="Header__SecondaryMenuDescription">I invest on behalf of my employees</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="/content/cfs-winged/au/en/employer/super.html">CFS super</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/firstchoice-lifestage-tool.html">FirstChoice Lifestage </a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/employer/employer-super/investment-options.html">Choice options </a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/thrive-plus.html">Thrive+聽 </a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/employer/employer-super/employee-benefits.html">Employee benefits</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/about-us/contact-us.html">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="/content/cfs-winged/au/en/employer/guidance/how-to-pay-super.html">Pay super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/find-a-form/find-a-form.html">Forms</a> </li> <li 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class="Header__SubMenuHeading"> <span>CFS super</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/resources/firstchoice-lifestage-tool.html"> <span>FirstChoice Lifestage </span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/employer/employer-super/investment-options.html"> <span>Choice options </span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/thrive-plus.html"> <span>Thrive+聽 </span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/employer/employer-super/employee-benefits.html"> <span>Employee benefits</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" 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href="/content/cfs-winged/au/en/employer/resources/employer-insights-news.html"> <span>News and insights</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@714a1c14,au.com.cfs.winged.core.models.pojo.NavigationItem@530eb047"> <sly data-sly-test=""> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src=""></img> </div> <div class="promo-tile-title"> </div> <div class="promo-tile-description"> </div> <div class="promo-tile-button"> <a class="promo-button" href=></a> </div> </div> </sly> </sly> --> </ul> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@7ff1bfe5"> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" 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" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </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="/content/cfs-winged/au/en/employer/insurance.html">Insurance in super</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/employer/super/insurance/your-insurance-options.html">Insurance options</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/employer/insurance-for-employers/first-choice-employer-super-insurance.html">Our insurer (AIA)</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs/superannuation/make-a-claim.html">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"> <!-- START second level --> <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="/content/cfs-winged/au/en/employer/insurance.html" class="Header__SubMenuHeading"> <span>Insurance in super</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/employer/super/insurance/your-insurance-options.html"> <span>Insurance options</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/employer/insurance-for-employers/first-choice-employer-super-insurance.html"> <span>Our insurer (AIA)</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs/superannuation/make-a-claim.html"> <span>Claims process</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@eb8cf98"> <sly data-sly-test=""> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src=""></img> </div> <div class="promo-tile-title"> </div> <div class="promo-tile-description"> </div> <div class="promo-tile-button"> <a class="promo-button" href=></a> </div> </div> </sly> </sly> --> </ul> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@7c445962"> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" 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" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </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="/content/cfs-winged/au/en/employer/support.html">Resources</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/employer/resources/employer-insights-news.html">News and insights</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/employer/guidance/your-obligations.html">Your obligations</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/super/types-of-super/mysuper-dashboard.html">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="/content/cfs-winged/au/en/personal/resources/faqs.html">FAQs</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Forms"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/personal/resources/find-a-form/find-a-form.html">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="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators/product-disclosure-statements.html">Product Disclosure Statement</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/products/products-and-update.html">Product updates</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/products/target-market-determinations.html">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="/content/cfs-winged/au/en/about-us/contact-us.html">Help</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/employer/service-and-support/corporate-super-specialist.html">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"> <!-- START second level --> <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="/content/cfs-winged/au/en/employer/support.html" class="Header__SubMenuHeading"> <span>Resources</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/employer/resources/employer-insights-news.html"> <span>News and insights</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/employer/guidance/your-obligations.html"> <span>Your obligations</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/super/types-of-super/mysuper-dashboard.html"> <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="/content/cfs-winged/au/en/personal/resources/faqs.html"> <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="/content/cfs-winged/au/en/personal/resources/find-a-form/find-a-form.html" class="Header__SubMenuHeading"> <span>Forms</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" 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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--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none 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/performance-160x120.gif" alt="We鈥檙e focussed on strong long-term performance"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> We鈥檙e focussed on strong long-term performance </span> </h3> <div class="CardPromo__ContentCopy"><p>Strong returns for MySuper members in the year ending June 2023.*<sup><br> </sup></p> <p> 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CardPromo--layout-vertical "> <div class="CardPromo__Container horizondalLine "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/animated-resized/lowerFees-160x120.png" alt="Enjoy consistently low fees"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Enjoy consistently low fees </span> </h3> <div class="CardPromo__ContentCopy"><p>We offer annual fees that are at least 24% lower on average when compared to retail funds.^<sup><br> </sup></p> <p> </p> <p> </p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn more" href="/content/cfs-winged/au/en/fees-and-performance.html" 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/freedom-160x120.gif" alt="Hands on or hands off investment choice"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Hands on or hands off investment choice </span> </h3> <div class="CardPromo__ContentCopy"><p>Smart default investment complimented with more than 60 investment options for employees to choose from.<br /> 聽</p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn more" href="/content/cfs-winged/au/en/employer/super/insurance/your-insurance-options.html" 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 class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-8bca80a133" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-sm container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-9 "> <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-6b49be7aba" class="cmp-title"> <h3 class="cmp-title__text text--center colour-- h3">Seamless experience for you and your team</h3> </div> </div> <div class="textandbuttons aem-GridColumn aem-GridColumn--default--12"> <div class=" TextAndButtons TextAndButtons--alignment-center"> <div class="container"> <div class="wrapper"> <div class="TextAndButtons__Buttons"> <div class="TextAndButtons__Button"> <a data-tracker-locationid="Talk to a Relationship Manager" href="/content/cfs-winged/au/en/employer/service-and-support/corporate-super-specialist.html" data-theme="blue" class=" Button Button--theme-blue Button--type-solid "> <span class="Button__Label"> Talk to a Relationship Manager </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </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-dd4e6fb247" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm 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-9 "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 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--tablet--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical CardPromo--minHeightNoImg "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Simple to start, simple to operate </span> </h3> <div class="CardPromo__ContentCopy"><p>Integrated onboarding experience and a fully compliant clearing house.聽</p> </div> </div> </div> </div> </div> </div> </div> <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--tablet--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical CardPromo--minHeightNoImg "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Trusted expertise </span> </h3> <div class="CardPromo__ContentCopy"><p>Some of the world鈥檚 best investment minds working for you and your team to help them achieve their financial goals.</p> </div> </div> </div> </div> </div> </div> </div> <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--tablet--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical CardPromo--minHeightNoImg "> <div class="CardPromo__Container "> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Expert support </span> </h3> <div class="CardPromo__ContentCopy"><p>Dedicated relationship managers. Australian call centre.</p> </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-181934e87a" 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="quote aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--1"> <div class="Quote"> <div class="Quote__Container wrapper"> <div class="Quote__Content h5"> <p><i>"When you are referring your staff to someone that will support their financial wellbeing, you must be confident in their ability and relatability. Trust is everything. We find the team at CFS provide exceptional service based on these two key qualities."</i></p> <p>聽</p> <p>Carl, GM Motorama</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-2eec4c3a29" class="cmp-experiencefragment cmp-experiencefragment--app-download"> <div id="container-48c52c01a9" 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="appDownloadContainer" 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--grey-4 "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="two-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="appDownloadContainer" 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--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> <div class="image aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <!-- CSS Variables --> <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topLeft Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; --desktop-fixed-size-height: 0px; --mobile-fixed-size-width: 0px; --mobile-fixed-size-height: 0px; "> <div class="Image__Image"> <figure> <picture> <source media="(max-width: 992px)" srcset="/content/dam/cfs-winged/images/home/app-download/graphic-phone.png"/> <img src="/content/dam/cfs-winged/images/home/app-download/graphic-phone.png"/> </picture> </figure> </div> <div class="Image__Spacer"> <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-manual Spacer--preset-lg Spacer--direction-horizontal Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-custom "> </div> </div> <div class="Image__Parsys"> <div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> <div class="cardcontainer container responsivegrid aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div id="cardcontainer-17f27583e2" class="CardContainer" data-cmp-is="CardContainer"> <div class="CardContainer__Container"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 "> <div class="image aem-GridColumn aem-GridColumn--default--6"> <!-- CSS Variables --> <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topLeft Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; --desktop-fixed-size-height: 0px; --mobile-fixed-size-width: 0px; --mobile-fixed-size-height: 0px; "> <div class="Image__Image"> <figure> <picture> <img src="/content/dam/cfs-winged/images/home/cfs-app-logo.svg"/> </picture> </figure> </div> <div class="Image__Spacer"> <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-manual Spacer--preset-lg Spacer--direction-horizontal Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-custom "> </div> </div> <div class="Image__Parsys"> <div> </div> </div> </div> </div> <div class="title aem-GridColumn aem-GridColumn--default--6"> <div id="title-b257e4dd72" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Download our improved app</h3> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--6"> <div id="text-f99177266e" class="cmp-text"> <p>Discover the confidence that comes with greater knowledge.</p> <p>聽</p> <p>With the CFS app, you can easily see how your CFS account is performing thanks to improved charts, graphs and insights.</p> <p>聽</p> <p>All of these features paired with faster access to all your information, such as statements, balances, and where your money鈥檚 invested - all at your finger tips.</p> <p>聽</p> </div> </div> <div class="two-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="two-column-container-95ff85d2b3" 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="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--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> <div class="image aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <!-- CSS Variables --> <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topCenter Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; --desktop-fixed-size-height: 0px; --mobile-fixed-size-width: 0px; --mobile-fixed-size-height: 0px; "> <div class="Image__Image"> <figure> <a href="https://apps.apple.com/au/app/colonial-first-state/id1433864644" target="_self"> <picture> <source media="(max-width: 992px)" srcset="/content/dam/cfs-winged/images/home/download-apple.svg"/> <img src="/content/dam/cfs-winged/images/home/download-apple.svg" alt="Download App Store"/> </picture> </a> </figure> </div> <div class="Image__Spacer"> <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-manual Spacer--preset-lg Spacer--direction-horizontal Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> <div class="Image__Parsys"> <div><div class="spacer section"> <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-manual Spacer--preset-lg Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-6 "> </div> </div> <div class="image section"> <!-- CSS Variables --> <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topCenter Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; --desktop-fixed-size-height: 0px; --mobile-fixed-size-width: 0px; --mobile-fixed-size-height: 0px; "> <div class="Image__Image"> <figure> <picture> <source media="(max-width: 992px)" srcset="/content/dam/cfs-winged/images/home/qr_code_ios.png"/> <img src="/content/dam/cfs-winged/images/home/qr_code_ios.png"/> </picture> </figure> </div> <div class="Image__Spacer"> <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-manual Spacer--preset-lg Spacer--direction-horizontal Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> <div class="Image__Parsys"> <div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> <div class="image aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <!-- CSS Variables --> <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topCenter Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; --desktop-fixed-size-height: 0px; --mobile-fixed-size-width: 0px; --mobile-fixed-size-height: 0px; "> <div class="Image__Image"> <figure> <a href="https://play.google.com/store/apps/details?id=au.com.cfs.mobile" target="_self"> <picture> <source media="(max-width: 992px)" srcset="/content/dam/colonial-first-state/images/personal/campaigns/firstwrap-mobile-app-qr-codes/Get-it-on-google-play-logo.jpg"/> <img src="/content/dam/colonial-first-state/images/personal/campaigns/firstwrap-mobile-app-qr-codes/Get-it-on-google-play-logo.jpg"/> </picture> </a> </figure> </div> <div class="Image__Spacer"> <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-manual Spacer--preset-lg Spacer--direction-horizontal Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> <div class="Image__Parsys"> <div><div class="spacer section"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; 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Past performance is no indication of future performance.</p> <p>^ The fee comparison is for MySuper products. Fees are compared on the Lifestage 1965-69 option for a member balance of $50,000 and may vary for different age cohorts. The Chant West Super Fund Fee Survey compares the Lifestage option that is closest to 73% growth assets, which is consistent with the average risk and return profile of most non-lifecycle products. Total fees and costs include administration fees and costs, investment fees and costs and net transaction costs on a gross of tax basis. Industry averages are calculated on a weighted average basis. This comparison has been prepared by CFS using data sourced from the Chant West Super Fund Fee Survey, effective 30 June 2023 and is based on information provided to Chant West by third parties, that is believed accurate at the time of publication. Fees may change in the future which may affect the outcome of the comparison. Chant West may make adjustments to fees and costs for comparison purposes and therefore data may vary to other published materials.聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽</p> <p>聽</p> <p>Employer Use Only<br /> </p> <p>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.聽</p> <p>聽</p> <p>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>聽</p> <p>Apple, the apple logo & iPhone are trademarks of Apple Inc, registered in the U.S and other countries. App store is a service mark of Apple Inc. 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