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CFS Super - Strong, Long-Term Results & Low Fees

<!DOCTYPE HTML> <html lang="en"> <head> <meta charset="UTF-8"/> <title>CFS Super - Strong, Long-Term Results &amp; Low Fees</title> <meta name="description" content="We&#39;re focused on delivering strong, long-term results while keeping fees low and offering members an extensive selection of investment options."/> <meta property="og:image" content="https://www.cfs.com.au/content/dam/cfs-winged/images/social/Super-social.jpg"/> <meta name="template" content="content-page"/> <meta name="viewport" content="width=device-width, initial-scale=1.0"/> <meta name="pageName" content="cfs:next:members:super"/> <meta property="heading(H1)" content="Unleash with super choices"/> <meta property="url" content="https://www.cfs.com.au/super.html"/> <meta property="product-type" content="Superannuation Account"/> <meta property="canonical-url" content="https://www.cfs.com.au/super.html"/> <meta property="date-published" content="Thu Jun 22 03:06:04 UTC 2023"/> <meta property="date-modified" content="Wed Oct 30 00:41:37 UTC 2024"/> <meta property="publisher" content="Colonial First State"/> <meta property="logo-url" content="https://www.cfs.com.au/content/dam/cfs-winged/images/CFS-logo.svg"/> <meta property="Phone" content="13 13 36"/> <script defer="defer" type="text/javascript" src="/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js"></script> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/clientlibs/clientlib-dependencies.lc-d41d8cd98f00b204e9800998ecf8427e-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/clientlibs/clientlib-site.lc-3e581f61a1d3193f43dd06d61b5b5cfa-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/core/wcm/components/accordion/v1/accordion/clientlibs/site.lc-44a1783be8e88dc73188908af6c38c01-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/core/wcm/components/tabs/v1/tabs/clientlibs/site.lc-d54c23ba76bd8648119795790ae83779-lc.min.css" type="text/css"> <link 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href="/content/cfs-winged/au/en/personal/super/low-admin-fees.html">Low fees</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/fees-and-performance.html">Compare CFS</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/super.html">Personal super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/super/types-of-super/employer-super.html">Employer super​ ​</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Understand super"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/super/understanding-superannuation.html">Understand super</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/retirement/how-much-super-should-i-have.html">How much super should I have?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/super/cost-of-super.html">Fees and costs</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Manage super​"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/super/manage-your-super.html">Manage super​</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/super/super-contributions.html">Types of contributions</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/super/first-home-super-saver.html">First home super saver</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/super/consolidate-your-super.html">Consolidate super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs/superannuation/taking-your-super-to-new-job.html">Notify employer</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/super/insurance/insurance-in-super.html">Insurance in super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/super/early-access-to-super.html">Early access to super</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/about-us/contact-us.html">Help</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/about-us.html#fund-details">USI ABN</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/investment/start-investing/make-a-contribution.html">Make a contribution</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/find-a-form/find-a-form.html">Forms</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs/superannuation.html">Super FAQs</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" 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/funds-and-performance.html">Funds and Performance</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="https://cfs.findadviser.com.au/home.html">Find an Adviser</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> </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="Super" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-CFS Super" href="/content/cfs-winged/au/en/personal/super/why-choose-cfs-for-super.html" class="Header__SubMenuHeading"> <span>CFS Super</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/super/low-admin-fees.html"> <span>Low fees</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/fees-and-performance.html"> <span>Compare CFS</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/super.html"> <span>Personal super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/super/types-of-super/employer-super.html"> <span>Employer super​ ​</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Understand super" href="/content/cfs-winged/au/en/super/understanding-superannuation.html" class="Header__SubMenuHeading"> <span>Understand super</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/how-much-super-should-i-have.html"> <span>How much super should I have?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/super/cost-of-super.html"> <span>Fees and costs</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Manage super​" href="/content/cfs-winged/au/en/super/manage-your-super.html" class="Header__SubMenuHeading"> <span>Manage super​</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/super/super-contributions.html"> <span>Types of contributions</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/super/first-home-super-saver.html"> <span>First home super saver</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/super/consolidate-your-super.html"> <span>Consolidate super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs/superannuation/taking-your-super-to-new-job.html"> <span>Notify employer</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" 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href="/content/cfs-winged/au/en/personal/investment/start-investing/make-a-contribution.html"> <span>Make a contribution</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/resources/find-a-form/find-a-form.html"> <span>Forms</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs/superannuation.html"> <span>Super FAQs</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html"> <span>Calculators</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/funds-and-performance.html"> <span>Funds and Performance</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="https://cfs.findadviser.com.au/home.html"> <span>Find an Adviser</span> </a> 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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 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data-target-id="Tools &amp; Resources"> <span>Tools &amp; 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="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html">Resources</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/funds-and-performance.html">Funds and Performance</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" 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" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Resources" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html" class="Header__SubMenuHeading"> <span>Resources</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/funds-and-performance.html"> <span>Funds and Performance</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html"> <span>Calculators</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators/product-disclosure-statements.html"> <span>Product Disclosure Statements</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/market-insights-news.html"> <span>News and insights</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs.html"> <span>FAQs</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/statement-details.html"> <span>Statements</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Forms" href="/content/cfs-winged/au/en/personal/resources/find-a-form/find-a-form.html" class="Header__SubMenuHeading"> <span>Forms</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" 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 class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/advice-options.html"> <span>Advice options</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/campaigns/appointment.html"> <span>Call us</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/staying-safe-online.html"> <span>Staying safe online</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@53e74c16,au.com.cfs.winged.core.models.pojo.NavigationItem@1bd9050d,au.com.cfs.winged.core.models.pojo.NavigationItem@14c7adf9"> <sly data-sly-test=""> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src=""></img> </div> <div class="promo-tile-title"> </div> <div class="promo-tile-description"> </div> <div class="promo-tile-button"> <a class="promo-button" href=></a> </div> </div> </sly> </sly> --> </ul> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@164d2c0b"> <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="false"> <div class="Header__PrimaryMenuButton"> <a href="/content/cfs-winged/au/en/about-us.html" data-cmp-hook-header="megamenuOpen" data-target-id="About us"> <span>About us</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </a> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus"> <!-- START second level --> <div class="Header__SubMenu" data-id="About us" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list=""> <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="false"> <div class="Header__PrimaryMenuButton"> <a href="/content/cfs-winged/au/en/join-now.html" data-cmp-hook-header="megamenuOpen" data-target-id="Join us"> <span>Join us</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </a> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus"> <!-- START second level --> <div class="Header__SubMenu" data-id="Join us" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list=""> <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="false"> <div> <a href="/content/cfs-winged/au/en/personal/customer-login.html" role="button" class="Button Button--theme-black Button--type-solid color-white"> <span>Login</span> </a> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus"> <!-- START second level --> <div class="Header__SubMenu" data-id="Login" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list=""> <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> </ul> </nav> <div class="Header__SearchContainer"> <div class="Header__SearchInput"> <form action="/content/cfs-winged/au/en/personal/search-personal.html" method="GET"> <label aria-label="Search"><span class="visually-hidden">Search</span> <input type="search" name="query" placeholder="Search" data-cmp-hook-header="searchInput"/> </label> </form> </div> <div class="Header__SearchDrawer"> <h2>Suggested Search</h2> <div class="Header_SearchSuggestion"> <div class="Header__SearchDrawerSection"> <span class="Header__SearchDrawerTitle">Popular</span> <ul> <li> <a href="https://www.cfs.com.au/personal/overview/tools.html">Tools &amp; Calculators</a> </li> <li> <a href="https://www.cfs.com.au/personal/news-and-updates/market-updates.html">News and 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class="search_text">Search</span> </button> <button class="Header__SearchClear" data-cmp-hook-header="searchClear"> <span class="visually-hidden">Close search</span> <svg width="24" height="24" viewBox="0 0 24 24" fill="none"> <path d="M6 18L18 6" stroke="black" stroke-linecap="round"/> <path d="M6 6L18 18" stroke="black" stroke-linecap="round"/> </svg> </button> <button class="Header__SearchExecute" data-cmp-hook-header="searchExecute"> <span class="visually-hidden">Search now</span> <svg width="24" height="24" viewBox="0 0 24 24" fill="none"> <mask id="mask0_2161_39014" style="mask-type:alpha" maskUnits="userSpaceOnUse" x="0" y="0" width="24" height="24"> <rect width="24" height="24" fill="#D9D9D9"/> </mask> <g mask="url(#mask0_2161_39014)"> <path d="M9.53937 15.2311C7.94065 15.2311 6.58584 14.6756 5.47494 13.5647C4.36404 12.4538 3.80859 11.099 3.80859 9.50031C3.80859 7.90159 4.36404 6.54678 5.47494 5.43588C6.58584 4.32498 7.94065 3.76953 9.53937 3.76953C11.1381 3.76953 12.4929 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data-cmp-hook-header="searchClose"> <span>Cancel</span> </button> <ul class="Header__PrimaryMenuList_Right"> <li> <div class="Header__PrimaryMenuButton"> <a href="/join-now.html" role="button" class="Button Button--theme-white Button--type-solid"> <span class="Button__Label"> Join now </span> </a> </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="false"> <div class="Header__PrimaryMenuButton"> <a href="/content/cfs-winged/au/en/personal/customer-login.html" role="button" data-cmp-hook-header="megamenuOpen" data-target-id="Login" class="Button Button--theme-black Button--type-solid"> <span>Login</span> </a> </div> <!-- <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="Header__DrawerWrapper"> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--column"> <nav class="Header__DrawerMenu" aria-label=""> <h2 class="Header__DrawerMenuHeading"></h2> <ul class="Header__DrawerMenuList" data-sly-list.loginItem=""> <li class="Header__DrawerMenuItem"> <a x-cq-linkchecker="valid" class="Header__DrawerMenuLink" href=""></a> </li> </ul> </nav> </div> </div> </div> </div> --> </li> </ul> </div> </div> </div> </div> <div class="Header__Backdrop" data-cmp-hook-header="backdrop"></div> </div> </header></div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="headerbanner breadcrumb aem-GridColumn aem-GridColumn--default--12"><div data-cmp-is="headerbanner" class="HeaderBanner HeaderBanner--variant-large-image HeaderBanner--alignment- HeaderBanner--has-image"> <div class="HeaderBanner__Gradient"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Breadcrumb"> <nav id="headerbanner-a66a37f49e" class="Breadcrumb Breadcrumb--theme-light" 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">Unleash with super choices</h1> </div> <div data-cmp-hook-headerbanner="actions" class="HeaderBanner__Actions"> <a data-tracker-locationid="Join now" href="/content/cfs-winged/au/en/join-now.html" data-theme="black" target="_blank" ref="noreferrer noopener nofollow" class=" Button Button--theme-black Button--type-outline "> <span class="Button__Label"> Join now </span> </a> </div> </div> </div> </div> </div> </div> <div class="wrapper HeaderBanner__ImageWrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn 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--custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-5 Spacer--size-sm-5 Spacer--size-md-5 Spacer--size-lg-5 Spacer--size-xl-5 "> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--8 aem-GridColumn--offset--default--2"> <div id="text-1b18292bfa" class="cmp-text"> <p style=" text-align: center; ">Super is a long-term investment, and everyone’s needs are different. That’s why our members have access to a diverse range of over 180 options that suit different investment strategies and risk appetites.</p> <p style=" text-align: center; "> </p> <p style=" text-align: center; ">Always remember that past <span style=" text-align: left; ">performance is no indication of future performance.</span></p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div 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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-5 Spacer--size-sm-5 Spacer--size-md-5 Spacer--size-lg-5 Spacer--size-xl-5 "> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-9ac1df0502" class="cmp-text"> <p style=" text-align: center; ">You can choose to leave things to the professionals with our ready-made options, or you can get creative and tailor your own portfolio with our choices.<br /> Or you can simply choose the low-risk option.</p> </div> </div> </div> </div> </div> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-e6f6e35987" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none 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Try a ready-made option.</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--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/retirement-160x120.png" alt="Tailor your own"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Tailor your own </span> </h3> <div class="CardPromo__ContentCopy"><p>If you’re the hands-on type, our tailor your own option lets you create your own super portfolio from our products.</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--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/lower-fees-160x120.png" alt="Low risk"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Low risk </span> </h3> <div class="CardPromo__ContentCopy"><p>Undecided about your long-term investment strategy? 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Our low risk First Sentier Wholesale Strategic Cash option is a great choice for now.</p> </div> </div> </div> </div> </div> </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-15 Spacer--size-sm-15 Spacer--size-md-15 Spacer--size-lg-15 Spacer--size-xl-15 "> </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-2438c4c9fc" 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--white "> <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-5af5d11667"><div class="ImageAndText ImageAndText--position-image_left" style="background&#x3a;undefined&#x3b;"> <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">Get to know your risk appetite</h2> <div class="p1">We all have a different appetite for risk, and it can change over time. Learn more about yours with our risk profiler tool so you can feel comfortable making investment decisions. </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 class="separator aem-GridColumn aem-GridColumn--default--12"> <div id="separator-e327ca74e3" class="cmp-separator"> <hr class="cmp-separator__horizontal-rule"/> </div></div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-8c080a006e" 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-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="imageandtext teaser aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"><div class="ImageAndText ImageAndText--position-image_right" id="imageandtext-6804d7e03f"> <div class="ImageAndText__Container wrapper"> <figure class="ImageAndText__Image"> <img src="/content/dam/cfs-winged/images/object-image/in_page_calculator.jpg" alt="more for you"/> </figure> <div class="ImageAndText__Content"> <div class="ImageAndText__ContentInner rte"> <h4 class="h4"></h4> <h2 class="h2">Lower admin fees means more for you in your second half</h2> <div class="p2"><p>We have one of the lowest admin fees** around and strive to deliver strong long-term performance. Together it’s a good combo.</p> </div> <div> </div> <div> <a data-tracker-locationid="Learn more" href="/content/cfs-winged/au/en/personal/super/low-admin-fees.html" data-theme="black" class=" Button Button--theme-black Button--type-solid "> <span class="Button__Label"> Learn more </span> </a> </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-092f0d54d1" 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="textandbuttons aem-GridColumn aem-GridColumn--default--12"> <div class=" TextAndButtons 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class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <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 CardPromo--minHeightNoImg "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Funds and performance tool </span> </h3> <div class="CardPromo__ContentCopy"><p>Explore our choice options and access performance, unit prices and key information.</p> <p> </p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn more" href="https://www.cfs.com.au/personal/resources/funds-and-performance.html" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Learn more </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical CardPromo--minHeightNoImg "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Consolidate your super </span> </h3> <div class="CardPromo__ContentCopy"><p>Having all your super in one place can help you save on fees and make your super easier to manage. </p> <p> </p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn more" href="/content/cfs-winged/au/en/personal/resources/faqs/superannuation/i-want-to-consolidate-my-super.html" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Learn more </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none 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src="/content/dam/cfs-winged/images/pictograms/static-resized/portfolio-160x120.png" alt="Target Market Determination"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Target Market Determination </span> </h3> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn More" href="/content/cfs-winged/au/en/personal/products/target-market-determinations.html" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Learn More </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 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Returns are after ongoing fees and expenses and net of superannuation earnings taxes. Investment returns and capital repayment are not guaranteed. Past performance is not indicative of future performance.  </p> <p> </p> <p>**Chant West Super Fund Fee Survey June 2023., based on an account balance of $50,000. </p> <p> </p> <p>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. This webpage may include general advice but does not take into account your individual objectives, financial situation, needs or tax circumstances. 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