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href="/content/cfs-winged/au/en/super/super-contributions.html"> <span>Super boosting strategies</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs.html#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="/content/cfs-winged/au/en/personal/retirement/entering-retirement.html" 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="/content/cfs-winged/au/en/personal/retirement/account-based-pension.html"> <span>What is an account-based pension?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/retirement/transition-to-retirement.html"> <span>What is transition to retirement?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/retirement/age-pension-guide.html"> <span>Age Pension guide</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/how-to-access-super-in-retirement.html"> <span>Access super in retirement</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/products/annuities.html"> <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="/content/cfs-winged/au/en/personal/retirement/enjoying-retirement.html" 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="/content/cfs-winged/au/en/retirement/manage-your-pension.html"> <span>Manage your pension</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/taxation-in-retirement.html"> <span>Tax saving strategies</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/retirement/retirement-income-planning-guide.html"> <span>Income streams</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/nominate-a-beneficiary.html"> <span>Nominate a beneficiary</span> </a> </li> <!-- <sly 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href="/content/cfs-winged/au/en/personal/retirement.html">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@4a5e4051"> <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" 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href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html">Calculators</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 Statements</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/market-insights-news.html">News and insights</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs.html">FAQs</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/statement-details.html">Statements</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="/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> </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://cfs.findadviser.com.au/home">Find an Adviser</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/advice-options.html">Advice options</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/campaigns/appointment.html">Call us</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/staying-safe-online.html">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 &amp; 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" 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class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/products/products-and-update.html"> <span>Product updates</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/products/target-market-determinations.html"> <span>Target Market Determinations</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="/content/cfs-winged/au/en/about-us/contact-us.html" 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 class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="https://cfs.findadviser.com.au/home"> <span>Find an Adviser</span> </a> </li> <li class="Header__SubMenuItem"> <a 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our experts invest in the Australian share market.</p> <p> </p> <p>Explore some of our top performing options:</p> <p> </p> <p>• First Sentier Imputation</p> <p>• CFS Australian Small Companies</p> <p>• Lazard Select Australian Equity</p> <p> </p> <p><a data-tracker-locationid="cfs | cardeditorial1-learnmore" href="/content/cfs-winged/au/en/investment/investing-in-australian-shares.html">Learn more</a></p> </div> <div class="CardEditorial__Parsys"> </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-9aa7186119" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div 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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="cardleft card 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 data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container verticalLine"> <div class="CardInfo__Content"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Medium-Long Term Investing</span> </div> <h3 class="CardInfo__Heading h3"> Global shares </h3> <div class="CardInfo__ContentCopy"> <p>Get the worlds leading investment minds investing for you in global shares.</p> <p> </p> <p>Explore some of our top performing options:</p> <p> </p> <p>• Baillie Gifford Long Term Global Growth</p> <p>• MFS Global Equity</p> <p>• CFS Index Global Share</p> <p> </p> <p><a href="/content/cfs-winged/au/en/investment/investing-in-global-shares.html">Learn more</a></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--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="dynamicFundCard aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div data-fp-apir="FSF1201AU" data-cmp-is="pricePerformanceCard" data-fp-companyCode="001" data-fp-mainGroup="IF" 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class="CardPromo__Button" data-fp-button="https://www.cfs.com.au/content/dam/prospects/fs/1/5/fs1572.pdf"> <a data-tracker-locationid="View option" href="https://www.cfs.com.au/content/dam/prospects/fs/1/5/fs1572.pdf" data-theme="black" target="_blank" ref="noreferrer noopener nofollow" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> View option </span> </a> </div> </div> </div> <div class="CardPromo__Content inactive" data-cmp-hook-fperror> <div class="FP__Error"></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="cardeditorial aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div data-cmp-is="cardEditorial" class=" CardEditorial CardEditorial--layout-vertical CardEditorial--image-height-small "> <div class="CardEditorial__Container "> <div class="CardEditorial__Content"> <h3 class="CardEditorial__Heading h4"> <span>High growth</span> </h3> <div class="CardEditorial__Metadata"> <span class="CardEditorial__Tag Tag--type-primary Tag"> Medium-long term investing </span> </div> <div class="CardEditorial__Description p2"> <p>Access high-growth options from Australia’s gearing leaders.</p> <p> </p> <p>Explore some of our top performing options:</p> <p> </p> <p>• CFS Geared Share</p> <p>• CFS Geared Index Australian Share</p> <p>• CFS Geared Index Global Share </p> <p> </p> <p><a data-tracker-locationid="cfs | cardeditorial1-learnmore" href="/content/cfs-winged/au/en/investment/investing-in-high-growth-options.html">Learn more</a></p> </div> <div class="CardEditorial__Parsys"> </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-ae31235614" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-md 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 aem-Grid--phone--12 "> <div class="two-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="two-column-container-66d29f6dd6" 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="margin"> <div class="wrapper"> <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="cardleft card 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 data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container verticalLine"> <div class="CardInfo__Content"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Medium-Long Term Investing</span> </div> <h3 class="CardInfo__Heading h3"> Property </h3> <div class="CardInfo__ContentCopy"> <h3>Access listed property with our expert investors</h3> <h3> </h3> <h3>Explore some of our top performing options:</h3> <h3> </h3> <h4>• CFS Global Infrastructure Securities<br /> </h4> <h4>• CFS Global Property Securities</h4> <h4>• CFS Property Securities </h4> <h4> </h4> <p><span style=" font-weight: normal; "><a data-tracker-locationid="cfs | cardleft1-learnmore" href="/content/cfs-winged/au/en/investment/investing-in-listed-property.html">Learn more</a></span></p> </div> </div> </div> </div> </div> </div> </div> <div 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data-cmp-hook-shimmer> <div class="Shimmer__Header FP_Shimmer"></div> <div class="Shimmer__Super FP_Shimmer"></div> <div class="Shimmer_ContentCopy FP_Shimmer"></div> </div> <div class="CardPromo__Content inactive" data-cmp-hook-content> <h3 class="CardPromo__Heading"> <span data-cmp-hook-fpheader x-cq-linkchecker="valid"> </span> </h3> <h3 data-cmp-hook-fpsuperheader class="CardPromo__Super"></h3> <div data-cmp-hook-fpsuperdesc class="CardPromo__ContentCopy"></div> <div data-cmp-hook-fpsuperdesc class="CardPromo__ContentCopy card__apir">APIR: FSF0795AU</div> <div class="CardPromo__Buttons" data-cmp-hook-fpbutton> <div class="CardPromo__Button" data-fp-button="https://www.cfs.com.au/content/dam/prospects/fs/2/7/fs2751.pdf"> <a data-tracker-locationid="View option" href="https://www.cfs.com.au/content/dam/prospects/fs/2/7/fs2751.pdf" data-theme="black" target="_blank" ref="noreferrer noopener nofollow" class=" Button Button--theme-black Button--type-outlineNoBg "> <span 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<p>Explore some of our top performing options:</p> <p> </p> <p>• CFS Thrive&#43; Sustainable Growth</p> <p>• Stewart Investors Worldwide Sustainability</p> <p>• Alphinity Sustainable Share</p> <p> </p> <p><a data-tracker-locationid="cfs | cardeditorial1-learnmore" href="/content/cfs-winged/au/en/investment/investing-in-sustainability-options.html">Learn more</a></p> </div> <div class="CardEditorial__Parsys"> </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-85d0a0cc4b" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-md 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 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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="cardleft card 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 data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container verticalLine"> <div class="CardInfo__Content"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Medium-Long Term Investing</span> </div> <h3 class="CardInfo__Heading h3"> Diversification </h3> <div class="CardInfo__ContentCopy"> <p>Access diversified investments to reduce your risk</p> <p>&nbsp;</p> <p>Explore some of our top performing options:</p> <p>&nbsp;</p> <p>• CFS Enhanced Index Balanced</p> <p>• CFS Balanced</p> <p>• CFS Index Balanced</p> <p>&nbsp;</p> <p><a href="/content/cfs-winged/au/en/investment/investing-in-diversification.html">Learn more</a></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--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="dynamicFundCard aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div data-fp-apir="FSF0476AU" data-cmp-is="pricePerformanceCard" data-fp-companyCode="001" data-fp-mainGroup="IF" data-fp-api="https://secure.colonialfirststate.com.au/fp/pricenperformance/products/funds/performance" 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access your money anytime.<br> &nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</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--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 "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/superannuation-160x120.png" alt="We deliver strong, 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class="SelfServe__ArticleDescription p2"> FirstChoice Investments gives you access to a wide range of professional level investment options. </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>Grow my investments</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"> I want to </h3> <ul class="SelfServe__IconList"> <li 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href="https://www.cfs.com.au/mobileapp?adobe_mc=MCMID%3D01546497995490953790511108123481522605%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1680233691" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/download-mobile-app.svg" alt=""/> <p class="SelfServe__IconTitle"> Download the app </p> </a> </div> </div> </li> </ul> </div> <div class="SelfServe__ContainerRight"> <h3 class="SelfServe__ContentHeading h6 colour--black"> Learn more about </h3> <ul class="SelfServe__ArticleList"> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="https://www.cfs.com.au/personal/news-and-updates/intelligent-investing-hub/invest-for-your-future/understanding-different-fund-types.html" target="_self" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> What are the different fund types? <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> Understanding the difference between fund types can help you identify the best investment options for your needs. </div> </div> </a> </div> </li> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="https://www.cfs.com.au/personal/news-and-updates/intelligent-investing-hub/invest-for-your-future/why-is-diversification-important.html" target="_blank" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> Why is diversification important? <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> As the saying goes &#39;don&#39;t put all your eggs in one basket&#39;&#39;. It’s the same for investing. Investing in in different companies, industries and assets helps to maximise returns and reduce risk. </div> </div> </a> </div> </li> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="https://www.cfs.com.au/personal/news-and-updates/intelligent-investing-hub/invest-for-your-future/how-do-managed-funds-work.html" target="_self" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> What are managed funds and how do they work? <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> Managed funds allow you to tap into a much wider range of investment opportunities that would be out of reach as an individual investor. </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>Manage my investments</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"> I want to </h3> <ul class="SelfServe__IconList"> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.cfs.com.au/personal/resources/faqs/your-account/online-identity-number.html" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/icon-check-balance.svg" alt=""/> <p class="SelfServe__IconTitle"> Check my balance </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="/content/cfs-winged/au/en/super/manage-your-super.html" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/consolidate_my_super.svg" alt=""/> <p class="SelfServe__IconTitle"> Manage my account </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001&adobe_mc=MCMID%3D72883161770612848214423846834851569452%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1680058770" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/_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://cfs.findadviser.com.au/home.html" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/icon-update-details.svg" alt=""/> <p class="SelfServe__IconTitle"> Find an adviser </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.cfs.com.au/mobileapp?adobe_mc=MCMID%3D01546497995490953790511108123481522605%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1680233691" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/download-mobile-app.svg" alt=""/> <p class="SelfServe__IconTitle"> Download the app </p> </a> </div> </div> </li> </ul> </div> <div class="SelfServe__ContainerRight"> <h3 class="SelfServe__ContentHeading h6 colour--black"> Learn more about </h3> <ul class="SelfServe__ArticleList"> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="https://www.cfs.com.au/personal/news-and-updates/intelligent-investing-hub/invest-for-your-future/what-is-a-distribution.html" target="_self" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> What is a distribution? 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<i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> CFS works closely with some of the world’s leading investment managers who manage our wide range of investment options. </div> </div> </a> </div> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </section> <section role="tabpanel" id="tab4-tabpanel" aria-labelledby="tab4-tab" data-tabId="tab4" data-active="false" data-cmp-hook-tabs="tabpanel" class="Tabs__TabPanel"> <button data-cmp-hook-tabs="accordionTitle" class="Tabs__TabPanelTitle" tabindex="0"> <span>News and updates</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"> I want to </h3> <ul class="SelfServe__IconList"> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.cfs.com.au/personal/resources/faqs/your-account/online-identity-number.html" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/icon-check-balance.svg" alt=""/> <p class="SelfServe__IconTitle"> Check my balance </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="/content/cfs-winged/au/en/super/manage-your-super.html" target="_blank" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/consolidate_my_super.svg" alt=""/> <p class="SelfServe__IconTitle"> Manage my account </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001&adobe_mc=MCMID%3D72883161770612848214423846834851569452%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1680058770" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/_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://cfs.findadviser.com.au/home.html" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/icon-update-details.svg" alt=""/> <p class="SelfServe__IconTitle"> Find an adviser </p> </a> </div> </div> </li> <li class="SelfServe__IconListItem"> <div class="SelfServe__Icon"> <div class="SelfServe__IconContainer"> <a href="https://www.cfs.com.au/mobileapp?adobe_mc=MCMID%3D01546497995490953790511108123481522605%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1680233691" target="_self" class="SelfServe__IconLink"> <img class="SelfServe__IconImage" src="/content/dam/cfs-winged/images/pictograms/icons/download-mobile-app.svg" alt=""/> <p class="SelfServe__IconTitle"> Download the app </p> </a> </div> </div> </li> </ul> </div> <div class="SelfServe__ContainerRight"> <h3 class="SelfServe__ContentHeading h6 colour--black"> Learn more about </h3> <ul class="SelfServe__ArticleList"> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="/content/cfs-winged/au/en/personal/news-and-updates/latest-from-cfs/federal-budget-2024.html" target="_self" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> Budget 2024-25: energy rebates, tax cuts, super changes announced <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> On 14 May, the Federal Government handed down its Budget for 2024-25. 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As expected, there&#39;s been ongoing market volatility which we anticipate will persist in coming months. </div> </div> </a> </div> </li> <li class="SelfServe__ArticleListItem"> <div class="SelfServe__Article"> <a href="/content/cfs-winged/au/en/personal/tools-resources/market-insights-news/increase-in-age-pension-payments.html" target="_self" class="SelfServe__ArticleContainer"> <div class="SelfServe__ArticleContent"> <h3 class="SelfServe__ArticleHeading h4"> Millions to get more Age Pension starting from 20 March 2024 <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> <div class="SelfServe__ArticleDescription p2"> Government Age Pension payments increased on 20 March, so if you&#39;re one of the millions of eligible Australians, you’ll have a little more to spend. </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-564f5503d3"><style> @media only screen and (max-width: 992px) { .SelfServe .TabCordion--entry { background-color: white !important; 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Returns are after ongoing fees and expenses.  Investment returns and capital repayment are not guaranteed. Past performance is not indicative of future performance. For more Cash options, visit our <a href="https://www.cfs.com.au/content/cfs-winged/au/en/personal/resources/funds-and-performance/funds-and-performance-search.html" title="https://www.cfs.com.au/content/cfs-winged/au/en/personal/resources/funds-and-performance/funds-and-performance-search.html">Funds &amp; Performance tool</a>. Consider the relevant <a href="https://www.cfs.com.au/content/cfs-winged/au/en/personal/tools-resources/tools-calculators/product-disclosure-statements.html" title="https://www.cfs.com.au/content/cfs-winged/au/en/personal/tools-resources/tools-calculators/product-disclosure-statements.html">Product Disclosure Statement</a> and <a href="https://www.cfs.com.au/content/cfs-winged/au/en/personal/products/target-market-determinations.html" title="https://www.cfs.com.au/content/cfs-winged/au/en/personal/products/target-market-determinations.html">Target Market Determinations</a> before making an investment decision. The footnotes below must be read with the corresponding returns above.</p> <p style=" text-align: center; "> </p> <p style=" text-align: center; "><b>FirstRate Cash:</b> The CFS risk measure for FirstRate Cash is Very Low. No minimum suggested timeframe to hold investments. </p> <p style=" text-align: center; "> </p> <p style=" text-align: center; "><b>CFS ETF Exposure Series – US Shares:</b> The CFS risk measure for CFS ETF Exposure Series – US Shares is Very High. Minimum suggested timeframe to hold investments is at least 7 years.</p> <p style=" text-align: center; "> </p> <p style=" text-align: center; "><b>First Sentier Imputation:</b> The CFS risk measure for First Sentier Imputation is Very High. Minimum suggested timeframe to hold investments is at least 7 years.</p> <p style=" text-align: center; "> </p> <p style=" text-align: center; "><b>Baillie Gifford Long Term Global Growth:</b> The CFS risk measure for Baillie Gifford Long Term Global Growth is Very High. Minimum suggested timeframe to hold investments is at least 7 years.</p> <p style=" text-align: center; "> </p> <p style=" text-align: center; "><b>CFS Geared Share:</b> The CFS risk measure for CFS Geared Share is Very High. While the gearing can magnify gains, it will always magnify losses. Minimum suggested timeframe to hold investments is at least 7 years.</p> <p style=" text-align: center; "> </p> <p style=" text-align: center; "><b>CFS Global Infrastructure Securities:</b> The CFS risk measure for CFS Global Infrastructure Securities is Very High. Minimum suggested timeframe to hold investments is at least 7 years.</p> <p style=" text-align: center; "> </p> <p style=" text-align: center; "><b>CFS Thrive&#43; Sustainable Growth:</b> The CFS risk measure for CFS Thrive&#43; Sustainable Growth is High. Minimum suggested timeframe to hold investments is at least 5 years. </p> <p style=" text-align: center; "> </p> <p style=" text-align: center; "><b>CFS Enhanced Index Balanced:</b> The CFS risk measure for CFS Enhanced Index Balanced is High. Minimum suggested timeframe to hold investments is at least 5 years.</p> <p> </p> <p style=" text-align: center; ">Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products. Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments.</p> <p style=" text-align: center; "> </p> <p style=" text-align: center; ">Information on this webpage is provided by AIL and CFSIL. It may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at <a href="http://www.cfs.com.au/tmd">www.cfs.com.au/tmd</a>, which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at <a href="http://www.cfs.com.au/">www.cfs.com.au</a> or by calling us on <a href="tel:131336">13 13 36</a>.</p> </div> </div> </div> <button class="Disclaimer__Button" data-cmp-hook-disclaimer="toggle"> <span class="Disclaimer__ButtonLabel--more">See more</span> <span class="Disclaimer__ButtonLabel--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-d0de486415" class="cmp-experiencefragment cmp-experiencefragment--cfs-footer"> <div id="container-c58a21ee61" class="cmp-container"> <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="two-column-container-4801421edb" data-overlap-top="0" 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