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CFS Thrive+ - Our Sustainable Investment Option
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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="Investments" 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="-How we invest" href="/personal/investment/types-of-investments/investment-choice" class="Header__SubMenuHeading"> <span>How we invest</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="/about-us/responsible-investing"> <span>Responsible investing</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Invest with CFS" href="/personal/investment/cfs-investment-funds-returns-and-performance-compared" class="Header__SubMenuHeading"> <span>Invest with CFS</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="/personal/funds-and-performance"> <span>Funds and Performance</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/investment/types-of-investments/investment-choice"> <span>Choosing the right option</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-CFS Choice" href="/personal/products/investments/investments" class="Header__SubMenuHeading"> <span>CFS Choice</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="/thrive-plus"> <span>Thrive+ sustainable growth </span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/campaigns/firstrate-cash-fund"> <span>FirstRate cash</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> <!-- <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 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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="Retirement"> <span>Retirement</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="Plan your retirement"> <a class="Header__DrawerMenuHeading" href="/personal/retirement/planning-retirement">Plan your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/how-much-super-should-i-have">How much do I need to retire?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement-calculator">Retirement calculator</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/super-balance-comparison-calculator">Super comparison tool</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/consolidate-your-super">Consolidate super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/super-contributions">Super boosting strategies</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs#retirement">Retirement FAQs</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Entering your retirement"> <a class="Header__DrawerMenuHeading" href="/personal/retirement/entering-retirement">Entering your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/account-based-pension">What is an account-based pension?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/transition-to-retirement">What is transition to retirement?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/age-pension-guide">Age Pension guide</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/how-to-access-super-in-retirement">Access super in retirement</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/products/annuities">What is an annuity?</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Enjoying your retirement"> <a class="Header__DrawerMenuHeading" href="/personal/retirement/enjoying-retirement">Enjoying your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/manage-your-pension">Manage your pension</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/taxation-in-retirement">Tax saving strategies</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/retirement-income-planning-guide">Income streams</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/nominate-a-beneficiary">Nominate a beneficiary</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/understanding-aged-care">Ageing care support</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Explore retirement"> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src="/content/dam/cfs-winged/images/retirement-hub/promo/explore-retirement-264x130.png"/></img> </div> <div class="promo-tile-title"> Explore retirement </div> <div class="promo-tile-description"> We're here to support you throughout your retirement journey. </div> <div class="promo-tile-button"> <a class="promo-button" style="text-decoration: none !important;" href="/personal/retirement">Retire with confidence</a> </div> </div> </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="Retirement" 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="-Plan your retirement" href="/personal/retirement/planning-retirement" class="Header__SubMenuHeading"> <span>Plan your retirement</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="/retirement/how-much-super-should-i-have"> <span>How much do I need to retire?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement-calculator"> <span>Retirement calculator</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/super-balance-comparison-calculator"> <span>Super comparison tool</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/consolidate-your-super"> <span>Consolidate super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/super-contributions"> <span>Super boosting strategies</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs#retirement"> <span>Retirement FAQs</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Entering your retirement" href="/personal/retirement/entering-retirement" class="Header__SubMenuHeading"> <span>Entering your retirement</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="/personal/retirement/account-based-pension"> <span>What is an account-based pension?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/retirement/transition-to-retirement"> <span>What is transition to retirement?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/retirement/age-pension-guide"> <span>Age Pension guide</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/how-to-access-super-in-retirement"> <span>Access super in retirement</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/products/annuities"> <span>What is an annuity?</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Enjoying your retirement" href="/personal/retirement/enjoying-retirement" class="Header__SubMenuHeading"> <span>Enjoying your retirement</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="/retirement/manage-your-pension"> <span>Manage your pension</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/taxation-in-retirement"> <span>Tax saving strategies</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/retirement/retirement-income-planning-guide"> <span>Income streams</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/nominate-a-beneficiary"> <span>Nominate a beneficiary</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/understanding-aged-care"> <span>Ageing care support</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@5b5e343f,au.com.cfs.winged.core.models.pojo.NavigationItem@15ae96dc,au.com.cfs.winged.core.models.pojo.NavigationItem@9f039e5,au.com.cfs.winged.core.models.pojo.NavigationItem@3f6a9e5f"> <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 class="promo-tile-container"> <div class="promo-tile-image"> <img src="/content/dam/cfs-winged/images/retirement-hub/promo/explore-retirement-264x130.png"/></img> </div> <div class="promo-tile-title"> Explore retirement </div> <div class="promo-tile-description"> We're here to support you throughout your retirement journey. </div> <div class="promo-tile-button"> <a class="promo-button" href="/personal/retirement">Retire with confidence</a> </div> </div> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@557c6a1e"> <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="Tools & Resources"> <span>Tools & Resources</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="/personal/tools-resources/tools-calculators">Resources</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/funds-and-performance">Funds and Performance</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/tools-calculators">Calculators</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/tools-calculators/product-disclosure-statements">Product Disclosure Statements</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/market-insights-news">News and insights</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs">FAQs</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/statement-details">Statements</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="/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> </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://cfs.findadviser.com.au/home">Find an Adviser</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/advice-options">Advice options</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/campaigns/appointment">Call us</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/staying-safe-online">Staying safe online</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="Tools & Resources" 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="/personal/tools-resources/tools-calculators" 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="/personal/funds-and-performance"> <span>Funds and Performance</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/tools-calculators"> <span>Calculators</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/tools-calculators/product-disclosure-statements"> <span>Product Disclosure Statements</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/market-insights-news"> <span>News and insights</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs"> <span>FAQs</span> </a> </li> <li class="Header__SubMenuItem"> <a 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<link rel="stylesheet" href="/etc.clientlibs/cfs-winged/components/content/cardcentre/clientlibs.lc-088b11a9cc7185c85269e411428a1e63-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/common/content/card/clientlibs.lc-a228331d15086b99e0c9b81b0f7cf75f-lc.min.css" type="text/css"> <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/exclusivity-160x120.png" alt="Active engagement and voting"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Active engagement and voting </span> </h3> <div class="CardPromo__ContentCopy"><p>Engagement with companies through our investment managers and EOS (stewardship provider) to signal concerns about issues that may affect long term company performance.</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/target-160x120.png" alt="World-class active management"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> World-class active management </span> </h3> <div class="CardPromo__ContentCopy"><p>Actively managed to more effectively manage inclusions, exclusions and company engagement.</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/funnel-160x120.png" alt="Cost effective"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Cost effective </span> </h3> <div class="CardPromo__ContentCopy"><p>Access to leading investment managers and investments not usually available to individual investors.</p> <p> </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-bad1f1882c" 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 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AIL is also the trustee of the Avanteos Superannuation Trust ABN 38 876 896 681 and issuer of FirstWrap Plus Super and Pension and FirstWrap Super and Pension (closed to new investors 28 March 2011). 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. CFSIL is also the Investor Directed Portfolio Service (IDPS) operator, administrator and custodian of the Avanteos Wrap Account Service which includes FirstWrap Plus Investments and FirstWrap Investments (closed to new investors 28 March 2011).</p> <p> </p> <p>This information does not take into account your individual objectives, financial situation, needs or tax circumstances. You can find the Target Market Determinations (TMD) for our financial products at <a href="https://www.cfs.com.au/personal/products/target-market-determinations.html" target="_blank" rel="noopener noreferrer">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), Investor Directed Portfolio Service Guide (IDPS Guide) 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 FirstChoice PDSs and the FSG from <a href="https://www.cfs.com.au/next/home.html">www.cfs.com.au</a> or by calling us on <a href="tel:131336">13 13 36</a> and FirstWrap PDSs, FSGs and IDPS Guides from <a href="https://www.firstwrap.com.au/cgi-bin/frameset.exe">https://www.firstwrap.com.au/</a> or your adviser. </p> </div> </div> </div> <button class="Disclaimer__Button" data-cmp-hook-disclaimer="toggle"> <span class="Disclaimer__ButtonLabel--more">Read more</span> <span class="Disclaimer__ButtonLabel--less">Read less</span> </button> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-953e5c1171" class="cmp-experiencefragment cmp-experiencefragment--cfs-footer"> <div id="container-81deac25c0" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="two-column-container container responsivegrid 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