FirstRate Cash Fund

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class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Breadcrumb"> <nav id="headerbanner-e16a87a9ca" class="Breadcrumb Breadcrumb--theme-dark" data-cmp-is="breadcrumb"> <div class="wrapper"> </div> </nav> </div> </div> </div> </div> <div class="HeaderBanner__Container"> <div class="HeaderBanner__Content"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class=" aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--lg--12 "> <div class="HeaderBanner__ContentWrapper"> <div class="HeaderBanner__Heading"> <h1 class="hero2">FirstRate Cash Fund </h1> </div> <div data-cmp-hook-headerbanner="actions" class="HeaderBanner__Actions"> <a data-tracker-locationid="Join us" href="#joinus" data-theme="white" class=" Button Button--theme-white Button--type-solid "> <span class="Button__Label"> Join us </span> </a> </div> </div> </div> </div> </div> </div> <div class="wrapper HeaderBanner__ImageWrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Image "> <img class="HeaderBanner__Image__Desktop " src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_city_skyline_1.jpg" alt=""/> <img class="HeaderBanner__Image__Mobile" src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_mobile_city_skyline_1_327.jpg" alt=""/> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--tablet--1"> <div data-cmp-is="container" id="container-e1966fdd09" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--10 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--tablet--8 aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--tablet--2"> <div id="title-3bcff1e1b5" class="cmp-title"> <h3 class="cmp-title__text text--center colour-- h3">Get 4.56% p.a. target return with our FirstRate Cash fund. Our flexible, low-risk cash fund generates steady returns and gives you the freedom to withdraw as it suits you. </h3> </div> </div> <div class="spacer aem-GridColumn--tablet--10 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-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-7 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--tablet--10 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-c9649a9148" 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--blue-5 "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--tablet--1"> <div data-cmp-is="container" id="container-a1a60f3e00" 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-md container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--tablet--10 aem-Grid--default--8 aem-Grid--phone--10 "> <div class="title aem-GridColumn--tablet--10 aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8"> <div id="title-56a49f197b" class="cmp-title"> <h3 class="cmp-title__text text--center colour-- h3">Invest in the FirstRate Cash Fund</h3> </div> </div> <div class="text aem-GridColumn--tablet--10 aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8"> <div id="text-c02cc6aada" class="cmp-text"> <p style=" text-align: center; ">The FirstRate Cash fund invests in a bank deposit product offered by the Commonwealth Bank of Australia which generates passive interest income for investors. </p> <p style=" text-align: center; "> </p> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--tablet--8 aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-a5e9ee3e1b" 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--8 aem-Grid--default--8 aem-Grid--phone--10 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--10 "> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 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="cardaward card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div class="AwardsCard horizondalLine "> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/freedom-160x120.png" alt=""/> <h3 class="h4">No lock-in or special conditions  </h3> <div class="rte"><p>Enjoy the freedom of depositing and withdrawing at any time, to suit the current market conditions and your financial goals.    </p> <p> </p> <p> </p> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 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="cardaward card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div class="AwardsCard horizondalLine "> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/percentage-160x120.png" alt=""/> <h3 class="h4">4.56% p.a. Target rate return  </h3> <div class="rte"><p>Get 4.56% p.a *. target return on your investment without the fixed-period commitment of a term deposit. </p> <p> </p> <p> </p> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 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="cardaward card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div class="AwardsCard horizondalLine "> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/investment-160x120.png" alt=""/> <h3 class="h4">Invest with just $1,000  </h3> <div class="rte"><p>Invest in the FirstRate Cash fund with just $1,000 and top it up at any time.  </p> <p> </p> <p> </p> </div> </div> </div> </div> </div> <div class="text aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--12"> <div id="text-4f906ad1aa" class="cmp-text"> <p><b>Disclaimer*</b> Returns will fluctuate over time. The target return rate is indicative and based on the underlying deposit interest rate less the management fee and cost. The target return may change without notice if there are changes in the Reserve Bank of Australia Official Cash Rate and/or the interest rate we receive and/or changes in the management fees and costs. Investment returns and capital repayment are not guaranteed. </p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--12 aem-GridColumn--offset--default--0 aem-GridColumn--offset--tablet--1"> <div data-cmp-is="container" id="container-ccbf849e23" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--10 aem-Grid--default--12 aem-Grid--phone--10 "> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--8 aem-GridColumn aem-GridColumn--tablet--8 aem-GridColumn--default--8 aem-GridColumn--offset--phone--2 aem-GridColumn--offset--default--2 aem-GridColumn--offset--tablet--2"> <div id="joinus" class="cmp-text"> <h3>How to invest in the FirstRate Cash Fund</h3> <p> </p> <p>Before joining it’s important that you have read the information provided on this page and within the Product Disclosure Statement and Target Market Determination to determine whether this is the right fund for you. </p> <p> </p> <p> </p> <h4>Already a member?   </h4> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn--default--none aem-GridColumn--phone--8 aem-GridColumn aem-GridColumn--tablet--8 aem-GridColumn--default--8 aem-GridColumn--offset--phone--2 aem-GridColumn--offset--default--2 aem-GridColumn--offset--tablet--2"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h1"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h1"> <div class="TaskStepper__ItemCounter"></div> <span> </span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-d3e0412a66" data-overlap-top="50" 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--8 aem-Grid--default--8 aem-Grid--phone--8 "> <div class="text aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div id="text-b4cb20206c" class="cmp-text"> <p>Log into your <a title="Log in to CFS" data-tracker-locationid="cfs | -cfstext1account" href="https://www.colonialfirststate.com.au/Firstnet/Login.aspx?CompanyCode=001&returnUrl=%2ffp%2finvestor%2fv2%2fopen-account%2fpen-fcwi-frc" target="_blank" rel="noopener noreferrer">account</a>. You’ll need your Member ID (OIN) found on your statement. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h1"> <div class="TaskStepper__ItemCounter"></div> <span> </span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-1eff40cd6a" data-overlap-top="50" 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--8 aem-Grid--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-876f31164b" class="cmp-text"> <p>Download and read the <a title="Product Disclosure Statement" data-tracker-locationid="cfs | text1-cfstext1productdisclosurestatement" href="https://www.colonialfirststate.com.au/forms_tools/download_multi_pdf.aspx?name=FirstChoice+Wholesale+Investments+PDS&pdf=FS1492.pdf%2CFS6080.pdf%2CFS5111.pdf%2CFS5383.pdf%2CFS5136.pdf&LiteratureId2130=&adobe_mc=MCMID%3D38393095573706206582512168853927694536%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1697694588" target="_blank" rel="noopener noreferrer">Product Disclosure Statement</a><a title="Product Disclosure Statement" data-tracker-locationid="cfs | text1-restatement" href="https://www.cfs.com.au/personal/tools-resources/tools-calculators/product-disclosure-statements.html"></a> and <a title="Target Market Determination" data-tracker-locationid="cfs | text1-cfstext1targetmarketdetermination" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/firstchoice-wholesale-investments/FirstRate-Cash-FirstChoice-Wholesale-Investments.pdf" target="_blank" rel="noopener noreferrer">Target Market Determination</a> for FirstChoice Wholesale Investments. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h1"> <div class="TaskStepper__ItemCounter"></div> <span> </span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-06b88a008d" data-overlap-top="50" 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--8 aem-Grid--default--8 aem-Grid--phone--8 "> <div class="text aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div id="text-b88cb747e0" class="cmp-text"> <p>Complete the application</p> </div> </div> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> <div class="button aem-GridColumn--default--none aem-GridColumn--phone--8 aem-GridColumn aem-GridColumn--tablet--8 aem-GridColumn--default--8 aem-GridColumn--offset--phone--2 aem-GridColumn--offset--default--2 aem-GridColumn--offset--tablet--2"> <a data-tracker-locationid="Start today" href="https://www.colonialfirststate.com.au/Firstnet/Login.aspx?CompanyCode=001&returnUrl=%2ffp%2finvestor%2fv2%2fopen-account%2fpen-fcwi-frc" data-theme="black" target="_blank" ref="noreferrer noopener nofollow" class=" Button Button--theme-black Button--type-solid "> <span class="Button__Label"> Start today </span> </a> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--12 aem-GridColumn--offset--default--0 aem-GridColumn--offset--tablet--1"> <div data-cmp-is="container" id="container-f58b22a17b" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--10 aem-Grid--default--12 aem-Grid--phone--10 "> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--8 aem-GridColumn aem-GridColumn--tablet--8 aem-GridColumn--default--8 aem-GridColumn--offset--phone--2 aem-GridColumn--offset--default--2 aem-GridColumn--offset--tablet--2"> <div id="text-f5b703d632" class="cmp-text"> <h4>New to CFS?</h4> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn--default--none aem-GridColumn--phone--8 aem-GridColumn aem-GridColumn--tablet--8 aem-GridColumn--default--8 aem-GridColumn--offset--phone--2 aem-GridColumn--offset--default--2 aem-GridColumn--offset--tablet--2"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h2"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h2"> <div class="TaskStepper__ItemCounter"></div> <span> </span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-0385c031b5" data-overlap-top="40" 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--8 aem-Grid--default--8 aem-Grid--phone--8 "> <div class="text aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div id="text-f1bea79c0a" class="cmp-text"> <p>Go <a href="https://www.cfs.com.au/join-now.html#investments" target="_blank" title="Join now " data-tracker-locationid="cfs | text1-here" rel="noopener noreferrer">here</a> to get started and select<b><i> 'Join Investments'.</i></b> </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h2"> <div class="TaskStepper__ItemCounter"></div> <span> </span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-ebc6904d49" data-overlap-top="40" 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--8 aem-Grid--default--8 aem-Grid--phone--8 "> <div class="text aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div id="text-eee49c8921" class="cmp-text"> <p>Download and read the <a title="PDS" data-tracker-locationid="cfs | text1-cfstext1productdisclosurestatement" href="https://www.colonialfirststate.com.au/forms_tools/download_multi_pdf.aspx?name=FirstChoice+Wholesale+Investments+PDS&pdf=FS1492.pdf%2CFS6080.pdf%2CFS5111.pdf%2CFS5383.pdf%2CFS5136.pdf&LiteratureId2130=&adobe_mc=MCMID%3D38393095573706206582512168853927694536%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1697694588" target="_blank" rel="noopener noreferrer">Product Disclosure Statement</a> and <a title="TMD" data-tracker-locationid="cfs | text1-cfstext1cfstext1targetmarketdetermination" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/firstchoice-wholesale-investments/FirstRate-Cash-FirstChoice-Wholesale-Investments.pdf" target="_blank" rel="noopener noreferrer">Target Market Determination</a> for FirstChoice Wholesale Investments. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h2"> <div class="TaskStepper__ItemCounter"></div> <span> </span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-c348e1fdf9" data-overlap-top="40" 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--8 aem-Grid--default--8 aem-Grid--phone--8 "> <div class="text aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div id="text-6df2676043" class="cmp-text"> <p>Enter your details - Make sure you have 2 forms of ID ready (e.g. Australian driver’s licence, Australian passport, Medicare card, or Centrelink concession card).   </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h2"> <div class="TaskStepper__ItemCounter"></div> <span> </span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-94d578089a" data-overlap-top="40" 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--8 aem-Grid--default--8 aem-Grid--phone--8 "> <div class="text aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div id="text-abad13de1f" class="cmp-text"> <p>In the Investment Strategy section select<i> <b>‘Cash Option’</b>.</i> </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h2"> <div class="TaskStepper__ItemCounter"></div> <span> </span> </h3> <div class="TaskStepper__ItemContent p2"> <div class="tabCordion--entry-container"><div class="container responsivegrid tabCordion--entry-content"> <div data-cmp-is="container" id="container-25cbebd78c" data-overlap-top="40" 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--8 aem-Grid--default--8 aem-Grid--phone--8 "> <div class="text aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div id="text-488f552081" class="cmp-text"> <p>Select <i><b>‘FirstRate Cash’</b></i> fund – make sure you check the terms and conditions box and follow the prompts. </p> </div> </div> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> <div class="button aem-GridColumn--default--none aem-GridColumn--phone--8 aem-GridColumn aem-GridColumn--tablet--8 aem-GridColumn--default--8 aem-GridColumn--offset--phone--2 aem-GridColumn--offset--default--2 aem-GridColumn--offset--tablet--2"> <a data-tracker-locationid="Join CFS and invest in our cash fund today" href="https://www.cfs.com.au/join-now.html#investments" data-theme="black" target="_blank" ref="noreferrer noopener nofollow" class=" Button Button--theme-black Button--type-solid "> <span class="Button__Label"> Join CFS and invest in our cash fund today </span> </a> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-faca67b3e0" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="rawtext text aem-GridColumn aem-GridColumn--default--12"><div id="rawtext-4e3687571b"><div class="ImageAndText ImageAndText--position-image_left" style="background:undefined;"> <div class="ImageAndText__Container wrapper"> <figure class="ImageAndText__Image"> <img src="/content/dam/cfs-winged/images/image-text-left.svg" alt=""/> </figure> <div class="ImageAndText__Content"> <div class="ImageAndText__ContentInner"> <h2 class="h2">Getting to know your risk appetite</h2> <div class="p1">Before you invest, take some time to consider your appetite for risk. This way you’ll ensure the investment selection is aligned to your personal situation and financial goals. Discover your risk profile by taking the test. </div> <div> <a class="Button Button--theme-blue Button--type-solid" href="https://www.cfs.com.au/personal/overview/risk-profiler.html" data-tracker-locationid="Take the test"> <span class="Button__Label"> Take the test </span> </a> </div> </div> </div> </div> </div></p> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-32180f3449" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-2176feda8b" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Important to know before investing</h2> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-8 "> </div> </div> <div class="accordion aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Benefits  "> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Benefits  </div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <p>A very low risk option for investors which sets out to generate positive interest income each month by depositing funds with the Commonwealth Bank of Australia. The fund allows investors to preserve their capital and receive regular income while enjoying easy access to their money. Enjoy the freedom of pivoting your financial strategy as it suits the financial market or your personal goals.  Get started with just $1000 and invest flexibly with no fixed-term commitment. <br /> </p> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="What are the risks? "> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">What are the risks? </div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <p>FirstRate Cash is a very low risk option for investors. The target return rate is indicative, and the actual return may vary. For actual returns, please visit the fund profile. <a href="https://aus01.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.cfs.com.au%2Fpersonal%2Fresources%2Ffunds-and-performance%2Ffirstrate-interest-rates.html&data=05%7C01%7CTrisha.Viado%40cba.com.au%7C5b801a77ce6e4a64320b08db73ad9feb%7Cdddffba06c174f3497483fa5e08cc366%7C0%7C0%7C638230961958352435%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=8WCNHo4p%2Fl%2BPLc9tHDoHaLTZgFM4swoaVA4O2gY5hIU%3D&reserved=0" target="_blank" title="FirstRate interest rates" data-tracker-locationid="cfs | accordion1.2-thetargetreturn" rel="noopener noreferrer">The target return</a> may change without notice. Withdrawal requests received on a NSW business day prior to 3pm (Sydney time) will typically be processed on the next business day, subject to any unforeseen outages or circumstances.   <br /> </p> <p>  </p> <p>CFS classifies investment options using a Standard Risk Measure (SRM). The SRM for this option is VERY LOW. For further information in understanding this risk measure please refer to the <a href="https://www.cfs.com.au/content/dam/prospects/fs/6/0/fs6080.pdf?6%5C" target="_blank" data-tracker-locationid="cfs | accordion1.2-cfsaccordion12firstchoiceinvestmentoptionsmenu" title="FirstChoice Investment Options Menu" rel="noopener noreferrer">FirstChoice Investment Options Menu</a>, under the section titled FirstChoice range of investment options.  </p> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Fees "> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Fees </div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <p>When you invest in CFS FirstChoice Wholesale Investments you’ll pay ongoing annual fees and costs for the management of your investments. These fees vary based on the investment options that you've chosen and cover the expert management of your option’s assets.  <br /> </p> <p>  </p> <p>Please read through the FirstChoice Wholesale Investments Product Disclosure Statement (PDS) which shows fees and other costs that you may be charged. These fees and other costs may be deducted from your account and from the returns on your investment.  </p> <p>  </p> <p>Fees regarding the FirstRate Cash <u>f</u>und can be found <a href="https://www.cfs.com.au/personal/resources/funds-and-performance/firstrate-interest-rates.html" target="_blank" title="FirstRate interest rates" data-tracker-locationid="cfs | accordion1.3-here" rel="noopener noreferrer">here</a>.  </p> <p>  </p> <p>Other fees such as activity fees and advice fees may also be charged, but these will depend on the nature of the activity or advice chosen by you. </p> <p> </p> <p>It’s important to understand the impact of fees on your investment. If you require support understanding fees, please contact us on <a href="tel:13%2013%2036" title="Call CFS " data-tracker-locationid="cfs | accordion1.3-131336">13 13 36</a> or email <a href="mailto:contactus@cfs.com.au" title="email CFS" data-tracker-locationid="cfs | accordion1.3-contactuscfscomau">contactus@cfs.com.au</a>. </p> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Product Disclosure Statement"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Product Disclosure Statement</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <p><a data-tracker-locationid="cfs | accordion1.4-downloadpdf" href="https://www.colonialfirststate.com.au/forms_tools/download_multi_pdf.aspx?name=FirstChoice+Wholesale+Investments+PDS&pdf=FS1492.pdf,FS6080.pdf,FS5111.pdf,FS5383.pdf,FS5136.pdf&LiteratureId2130">Download PDF</a></p> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Target Market Determination"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Target Market Determination</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <p><a data-tracker-locationid="cfs | accordion1.5-downloadpdf" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/firstchoice-wholesale-investments/FirstRate-Cash-FirstChoice-Wholesale-Investments.pdf">Download PDF</a></p> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Fund profile"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Fund profile</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <p><a data-tracker-locationid="cfs | accordion1.6-downloadpdf" href="https://www.cfs.com.au/content/dam/prospects/fs/7/9/fs7918.pdf?3">Download PDF</a></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid 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