Frequently Asked Questions (FAQs)

<!DOCTYPE HTML> <html lang="en"> <head> <meta charset="UTF-8"/> <title>Frequently Asked Questions (FAQs)</title> <meta name="description" content="Have a question about super, retirement, investments, financial advice, or how to manage your CFS account? Here’s where to find the answer."/> <meta name="template" content="article-page"/> <meta name="viewport" content="width=device-width, initial-scale=1.0"/> <meta name="pageName" content="cfs:personal:resources:faqs"/> <script defer="defer" type="text/javascript" src="/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js"></script> <script type="application/ld+json"> { "@context": "https://schema.org", "@graph": [ { "@type": "Article", "headline": "", "timeRequired":"", "image": "", "author": { "@type": "Person", "name": "" }, "publisher": { "@type": "Organization", "name": "", "logo": { "@type": "ImageObject", "url": "" } }, "datePublished": "", "dateModified": "Fri Dec 06 05:23:12 UTC 2024" } ] } </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-a5ce4dc8d0a2fbad81959d239100e5a6-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 rel="stylesheet" href="/etc.clientlibs/core/fd/af-clientlibs/core-forms-components-runtime-all.lc-11a52d361d1125943142ea0773c1f117-lc.min.css" type="text/css"> <link rel="apple-touch-icon" sizes="180x180" href="/content/dam/cfs-winged/favicon/apple-touch-icon.png"/> <link rel="icon" type="image/png" sizes="32x32" href="/content/dam/cfs-winged/favicon/favicon-32x32.png"/> <link rel="icon" type="image/png" sizes="16x16" href="/content/dam/cfs-winged/favicon/favicon-16x16.png"/> <link rel="mask-icon" href="/content/dam/cfs-winged/favicon/safari-pinned-tab.svg" color="#164a9a"/> <meta name="msapplication-TileColor" content="#148c8c"/> <meta name="theme-color" content="#164a9a"/> <script>window.dataLayer = window.dataLayer || []; window.dataLayer.dataModel = window.dataLayer.dataModel || {}</script>  <script> !function(e,a,n,t){ var i=e.head; if(i){ if (a) return; var o=e.createElement("style"); o.id="alloy-prehiding",o.innerText=n,i.appendChild(o),setTimeout(function(){ o.parentNode&&o.parentNode.removeChild(o) },t) } } (document, document.location.href.indexOf("adobe_authoring_enabled") !== -1, "body { opacity: 0 !important }", 3000); </script> <script type="text/javascript" src="//assets.adobedtm.com/a7d171ccadb5/c0d078349a53/launch-3231c0e7a15c.min.js" async></script> <link rel="stylesheet" href="/libs/wcm/foundation/components/page/responsive.lc-dd681ee257834c2b1fb20fb9af28568b-lc.min.css" type="text/css"> </head> <body class="articlepage page basicpage" id="articlepage-b6ffb990e3"> <script src="/content/dam/cfs-winged/datacollection/acdl/adobe-client-data-layer.min.js" async defer></script> <script src="/content/dam/cfs-winged/datacollection/acdl/cfs-analytics-framework.js" async defer></script> <script src="/content/dam/cfs-winged/lotties/lottie-player.js"></script>  <div class="root responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-a2ca4a7515" class="cmp-experiencefragment cmp-experiencefragment--customer-header"> <div id="container-fab8f33dbc" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="header aem-GridColumn aem-GridColumn--default--12"> <header class="Header Header--background-blur-off Header--gradient" data-cmp-is="header" data-visible="Members" data-megamenu="closed" data-hamburger="closed" data-search="closed" data-select="closed" data-hideup="0"> <div data-cmp-hook-header="container"> <div class="Header__Top_Wrapper"> <div class="Header__Top_Container"> <div class="wrapper"> <div class="Header__Top"> <div class="Header__MenuSelect"> <div class="Header_Button_Mobile"> <button title="Customer" class="Header__MenuSelectButton" data-cmp-hook-header="selectOpen"> <span>Customer</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header_Menu_Desktop"> <ul class="Header__DrawerNavItem"> <li class="selectedTab"> <a data-cmp-hook-header="selectOption" id="Customer" data-active="false" href="/content/cfs-winged/au/en/home.html">Customer </a> </li> <li> <a data-cmp-hook-header="selectOption" id="Adviser" data-active="false" href="/content/cfs-winged/au/en/adviser.html">Adviser </a> </li> <li> <a data-cmp-hook-header="selectOption" id="Employer" data-active="false" href="/content/cfs-winged/au/en/employer.html">Employer </a> </li> </ul> </div> </div> <nav class="Header__SecondaryMenu" aria-label="Secondary"> <ul class="Header__SecondaryMenuList"> <li class="Header__SecondaryMenuItem"> <a class="Header__SecondaryMenuLink" href="/content/cfs-winged/au/en/about-us.html">About us</a> </li> <li class="Header__SecondaryMenuItem"> <a class="Header__SecondaryMenuLink" href="/content/cfs-winged/au/en/about-us/contact-us/contact-details.html">Contact us</a> </li> </ul> </nav> </div> </div> </div> <div class="Header__MenuSelectList_Container"> <div class="wrapper"> <div class="Header__MenuSelectList">  <ul> <li class="selectedItem"> <a data-cmp-hook-header="selectOption" href="/content/cfs-winged/au/en/home.html"> <span class="Menu_Title">Customer</span>  </a> </li> <li> <a data-cmp-hook-header="selectOption" href="/content/cfs-winged/au/en/adviser.html"> <span class="Menu_Title">Adviser</span>  </a> </li> <li> <a data-cmp-hook-header="selectOption" href="/content/cfs-winged/au/en/employer.html"> <span class="Menu_Title">Employer</span>  </a> </li> </ul> </div> </div> </div> </div> <div class="Nav__container"> <div class="wrapper"> <div class="Header__Bar"> <div class="Header__Logo"> <a href="/"> <img src="/content/dam/cfs-winged/images/CFS-logo.svg" alt="Colonial First State"/> </a> </div> <button class="Header__HamburgerOpen" aria-label="Open navigation" data-cmp-hook-header="hamburger"> <span class="Header__HamburgerLine"></span> <span class="Header__HamburgerLine"></span> <span class="Header__HamburgerLine"></span> </button> <nav class="Header__PrimaryMenu" aria-label="Primary"> <ul class="Header__PrimaryMenuList Header__PrimaryMenuList--Members"> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Super"> <span>Super</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="aem-Grid aem-Grid--xs--12"> <div class="aem-GridColumn aem-GridColumn--offset--xs--0 aem-GridColumn--xs--12"> <div class="Header__DrawerWrapper"> <div class="aem-Grid aem-Grid--xs--12"> </div> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--row"> <nav class="Header__DrawerMenu" aria-label="CFS Super"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/personal/super/why-choose-cfs-for-super.html">CFS Super</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" 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> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/super/how-to-claim-a-death-benefit.html">Claiming a death benefit</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/personal/super/usi-abn-information-for-employer.html">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">  <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>  </a> </li>  <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>  </a> </li>  <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>  </a> </li>  <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" href="/content/cfs-winged/au/en/personal/super/insurance/insurance-in-super.html"> <span>Insurance in super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/super/early-access-to-super.html"> <span>Early access to super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/super/how-to-claim-a-death-benefit.html"> <span>Claiming a death benefit</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>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/super/usi-abn-information-for-employer.html"> <span>USI ABN</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" 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> </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>  </ul> </div>     </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Investments"> <span>Investments</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="How we invest"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/personal/investment/types-of-investments/investment-choice.html">How we invest</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/about-us/responsible-investing.html">Responsible investing</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Invest with CFS"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/personal/investment/cfs-investment-funds-returns-and-performance-compared.html">Invest with CFS</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/investment/types-of-investments/investment-choice.html">Choosing the right option</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="CFS Choice"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/personal/products/investments/investments.html">CFS Choice</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/thrive-plus.html">Thrive+ sustainable growth </a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/campaigns/firstrate-cash-fund.html">FirstRate cash</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/personal/tools-resources/investing-made-simple.html">Investing made simple</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/investment/start-investing/make-a-contribution.html#investment-managed">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/investments.html">Investment 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="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">  <div class="Header__SubMenu" data-id="Investments" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-How we invest" href="/content/cfs-winged/au/en/personal/investment/types-of-investments/investment-choice.html" class="Header__SubMenuHeading"> <span>How we invest</span>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/about-us/responsible-investing.html"> <span>Responsible investing</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Invest with CFS" href="/content/cfs-winged/au/en/personal/investment/cfs-investment-funds-returns-and-performance-compared.html" class="Header__SubMenuHeading"> <span>Invest with CFS</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="/content/cfs-winged/au/en/personal/investment/types-of-investments/investment-choice.html"> <span>Choosing the right option</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-CFS Choice" href="/content/cfs-winged/au/en/personal/products/investments/investments.html" class="Header__SubMenuHeading"> <span>CFS Choice</span>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/thrive-plus.html"> <span>Thrive+ sustainable growth </span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/campaigns/firstrate-cash-fund.html"> <span>FirstRate cash</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Help" href="/content/cfs-winged/au/en/about-us/contact-us.html" class="Header__SubMenuHeading"> <span>Help</span>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/investing-made-simple.html"> <span>Investing made simple</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/investment/start-investing/make-a-contribution.html#investment-managed"> <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/investments.html"> <span>Investment 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="https://cfs.findadviser.com.au/home.html"> <span>Find an Adviser</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>  </ul> </div>     </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Retirement"> <span>Retirement</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="aem-Grid aem-Grid--xs--12"> <div class="aem-GridColumn aem-GridColumn--offset--xs--0 aem-GridColumn--xs--12"> <div class="Header__DrawerWrapper"> <div class="aem-Grid aem-Grid--xs--12"> </div> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--row"> <nav class="Header__DrawerMenu" aria-label="Plan your retirement"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/personal/retirement/planning-retirement.html">Plan your retirement</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 do I need to retire?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/retirement-calculator.html">Retirement calculator</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/super/super-balance-comparison-calculator.html">Super comparison tool</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/super/super-contributions.html">Super boosting strategies</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs.html#retirement">Retirement FAQs</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Entering your retirement"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/personal/retirement/entering-retirement.html">Entering your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/retirement/account-based-pension.html">What is an account-based pension?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/retirement/transition-to-retirement.html">What is transition to retirement?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/retirement/age-pension-guide.html">Age Pension guide</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/retirement/how-to-access-super-in-retirement.html">Access super in retirement</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/retirement/products/annuities.html">What is an annuity?</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Enjoying your retirement"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/personal/retirement/enjoying-retirement.html">Enjoying your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/retirement/manage-your-pension.html">Manage your pension</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/retirement/taxation-in-retirement.html">Tax saving strategies</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/retirement/retirement-income-planning-guide.html">Income streams</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/retirement/nominate-a-beneficiary.html">Nominate a beneficiary</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/retirement/understanding-aged-care.html">Ageing care support</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Explore retirement"> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src="/content/dam/cfs-winged/images/retirement-hub/promo/explore-retirement-264x130.png"/></img> </div> <div class="promo-tile-title"> Explore retirement </div> <div class="promo-tile-description"> We're here to support you throughout your retirement journey. </div> <div class="promo-tile-button"> <a class="promo-button" style="text-decoration: none !important;" href="/content/cfs-winged/au/en/personal/retirement.html">Retire with confidence</a> </div> </div> </nav> </div> <div class="aem-Grid aem-Grid--xs--12"> </div> </div> </div> </div> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus">  <div class="Header__SubMenu" data-id="Retirement" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Plan your retirement" href="/content/cfs-winged/au/en/personal/retirement/planning-retirement.html" class="Header__SubMenuHeading"> <span>Plan your retirement</span>  </a> </li>  <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 do I need to retire?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement-calculator.html"> <span>Retirement calculator</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/super/super-balance-comparison-calculator.html"> <span>Super comparison tool</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/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>  </a> </li>  <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>  </a> </li>  <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> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/understanding-aged-care.html"> <span>Ageing care support</span> </a> </li>  </ul> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src="/content/dam/cfs-winged/images/retirement-hub/promo/explore-retirement-264x130.png"/></img> </div> <div class="promo-tile-title"> Explore retirement </div> <div class="promo-tile-description"> We're here to support you throughout your retirement journey. </div> <div class="promo-tile-button"> <a class="promo-button" href="/content/cfs-winged/au/en/personal/retirement.html">Retire with confidence</a> </div> </div> </div>     </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Tools & Resources"> <span>Tools & Resources</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="aem-Grid aem-Grid--xs--12"> <div class="aem-GridColumn aem-GridColumn--offset--xs--0 aem-GridColumn--xs--12"> <div class="Header__DrawerWrapper"> <div class="aem-Grid aem-Grid--xs--12"> </div> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--row"> <nav class="Header__DrawerMenu" aria-label="Resources"> <a class="Header__DrawerMenuHeading" href="/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">  <div class="Header__SubMenu" data-id="Tools & Resources" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Resources" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html" class="Header__SubMenuHeading"> <span>Resources</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="/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>  </a> </li>  <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>  </a> </li>  <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>  </ul> </div>     </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">  <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>     </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">  <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>     </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">  <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>     </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 & Calculators</a> </li> <li> <a href="https://www.cfs.com.au/personal/news-and-updates/market-updates.html">News and Updates</a> </li> </ul> </div> <div class="Header__SearchDrawerSection"> <span class="Header__SearchDrawerTitle">Quick Links</span> <ul> <li> <a href="https://www.cfs.com.au/personal/resources/find-a-form/find-a-form.html">All forms</a> </li> <li> <a href="https://www.cfs.com.au/personal/resources/make-a-contribution/bpay.html">Make a contribution</a> </li> </ul> </div> </div> </div> </div> <div class="Header__Search"> <button class="Header__SearchIcon Header__SearchIconOpen" data-cmp-hook-header="searchOpen"> <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 4.32498 13.6038 5.43588C14.7147 6.54678 15.2701 7.90159 15.2701 9.50031C15.2701 10.1952 15.1471 10.8676 14.9009 11.5176C14.6548 12.1676 14.3317 12.7234 13.9317 13.1849L19.8394 19.0926C19.933 19.1862 19.983 19.301 19.9894 19.4369C19.9958 19.5727 19.9458 19.6939 19.8394 19.8003C19.733 19.9067 19.615 19.9599 19.4855 19.9599C19.356 19.9599 19.2381 19.9067 19.1317 19.8003L13.224 13.8926C12.724 14.3183 12.149 14.6477 11.499 14.8811C10.849 15.1144 10.1958 15.2311 9.53937 15.2311ZM9.53937 14.2311C10.8663 14.2311 11.9865 13.7743 12.8999 12.8609C13.8134 11.9474 14.2701 10.8272 14.2701 9.50031C14.2701 8.17339 13.8134 7.0532 12.8999 6.13973C11.9865 5.22627 10.8663 4.76953 9.53937 4.76953C8.21245 4.76953 7.09226 5.22627 6.17879 6.13973C5.26534 7.0532 4.80862 8.17339 4.80862 9.50031C4.80862 10.8272 5.26534 11.9474 6.17879 12.8609C7.09226 13.7743 8.21245 14.2311 9.53937 14.2311Z" fill="#1C1B1F"/> </g> </svg> <span 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 4.32498 13.6038 5.43588C14.7147 6.54678 15.2701 7.90159 15.2701 9.50031C15.2701 10.1952 15.1471 10.8676 14.9009 11.5176C14.6548 12.1676 14.3317 12.7234 13.9317 13.1849L19.8394 19.0926C19.933 19.1862 19.983 19.301 19.9894 19.4369C19.9958 19.5727 19.9458 19.6939 19.8394 19.8003C19.733 19.9067 19.615 19.9599 19.4855 19.9599C19.356 19.9599 19.2381 19.9067 19.1317 19.8003L13.224 13.8926C12.724 14.3183 12.149 14.6477 11.499 14.8811C10.849 15.1144 10.1958 15.2311 9.53937 15.2311ZM9.53937 14.2311C10.8663 14.2311 11.9865 13.7743 12.8999 12.8609C13.8134 11.9474 14.2701 10.8272 14.2701 9.50031C14.2701 8.17339 13.8134 7.0532 12.8999 6.13973C11.9865 5.22627 10.8663 4.76953 9.53937 4.76953C8.21245 4.76953 7.09226 5.22627 6.17879 6.13973C5.26534 7.0532 4.80862 8.17339 4.80862 9.50031C4.80862 10.8272 5.26534 11.9474 6.17879 12.8609C7.09226 13.7743 8.21245 14.2311 9.53937 14.2311Z" fill="#1C1B1F"/> </g> </svg> </button> <button class="Header__SearchIcon Header__SearchIconClose" 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>  </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-gradient-large HeaderBanner--alignment-center "> <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-b370baf179" class="Breadcrumb Breadcrumb--theme-light" data-cmp-is="breadcrumb"> <div class="wrapper"> </div> </nav> </div> </div> </div> </div> <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--8 aem-GridColumn--lg--12 HeaderBanner--gradientAlignment-center "> <div class="HeaderBanner__ContentWrapper"> <div class="HeaderBanner__Heading"> <h1 class="hero2">Frequently Asked Questions (FAQs)</h1> </div> </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> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-d1932a908f" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs 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="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-f4b71caf9f" class="cmp-text"> <h4 style=" text-align: center; ">Have a question about super, retirement, investments, financial advice, or how to manage your CFS account? Here’s where to find an answer.</h4> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-7498e28d67" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-xs 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="tabs panelcontainer aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="tabs-4cb4ecde67" class=" Tabs Tabs--style-primary Tabs--padding-default Tabs--mobileVariation-select " data-cmp-is="cfsTabs" data-placeholder-text="false" data-style="primary"> <div class="Tabs__Header">  <div class="Tabs__TabListContainer"> <div class="Tabs__TabList" role="tablist" aria-multiselectable="false"> <button role="tab" id="tabs-4cb4ecde67-item-daff164d34-tab" data-tabId="tabs-4cb4ecde67-item-daff164d34" aria-controls="tabs-4cb4ecde67-item-daff164d34-tabpanel" aria-selected data-active="true" data-title="Super" data-cmp-hook-tabs="tab" class="Tabs__TabListTab"> Super </button> <button role="tab" id="tabs-4cb4ecde67-item-e0ef07d4ce-tab" data-tabId="tabs-4cb4ecde67-item-e0ef07d4ce" aria-controls="tabs-4cb4ecde67-item-e0ef07d4ce-tabpanel" data-active="false" data-title="Investments" data-cmp-hook-tabs="tab" class="Tabs__TabListTab"> Investments </button> <button role="tab" id="tabs-4cb4ecde67-item-2dec230b32-tab" data-tabId="tabs-4cb4ecde67-item-2dec230b32" aria-controls="tabs-4cb4ecde67-item-2dec230b32-tabpanel" data-active="false" data-title="Retirement" data-cmp-hook-tabs="tab" class="Tabs__TabListTab"> Retirement </button> <button role="tab" id="tabs-4cb4ecde67-item-ef5b2f1d3a-tab" data-tabId="tabs-4cb4ecde67-item-ef5b2f1d3a" aria-controls="tabs-4cb4ecde67-item-ef5b2f1d3a-tabpanel" data-active="false" data-title="Financial advice" data-cmp-hook-tabs="tab" class="Tabs__TabListTab"> Financial advice </button> <button role="tab" id="tabs-4cb4ecde67-item-19cea89a2d-tab" data-tabId="tabs-4cb4ecde67-item-19cea89a2d" aria-controls="tabs-4cb4ecde67-item-19cea89a2d-tabpanel" data-active="false" data-title="Your account" data-cmp-hook-tabs="tab" class="Tabs__TabListTab"> Your account </button> </div> <span data-cmp-hook-tabs="indicator" class="Tabs__TabIndicator"></span> </div>  <div class="Tabs__TabSelectList"> <div class="SelectInput"> <select data-cmp-hook-tabs="select"> <option value="tabs-4cb4ecde67-item-daff164d34" selected>Super</option> <option value="tabs-4cb4ecde67-item-e0ef07d4ce">Investments</option> <option value="tabs-4cb4ecde67-item-2dec230b32">Retirement</option> <option value="tabs-4cb4ecde67-item-ef5b2f1d3a">Financial advice</option> <option value="tabs-4cb4ecde67-item-19cea89a2d">Your account</option> </select> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> </div> </div>  <div class="Tabs__TabPanelList"> <section role="tabpanel" id="tabs-4cb4ecde67-item-daff164d34-tabpanel" aria-labelledby="tabs-4cb4ecde67-item-daff164d34-tab" data-tabId="tabs-4cb4ecde67-item-daff164d34" data-active="true" data-cmp-hook-tabs="tabpanel" class="Tabs__TabPanel"> <button data-cmp-hook-tabs="accordionTitle" class="Tabs__TabPanelTitle" tabindex="0"> <span>Super</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><div class="container responsivegrid"> <div id="container-daff164d34" class="cmp-container"> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 "> <div class="accordion panelcontainer aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--0"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" id="accordion-663d22650a" class=" Accordion Accordion--heading-alignment-center Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-fc63afdc71-header" data-title="When can I typically access my super?"> <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">When can I typically access my super?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-fc63afdc71-panel" role="region" aria-labelledby="accordion-663d22650a-item-fc63afdc71-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-fc63afdc71" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-5bfc6c5195" class="cmp-text"> <p>Generally, you can access the money in your super when you:</p> <ul><li>reach your preservation age and start a transition-to-retirement pension</li><li>reach your preservation age and have permanently retired (except if you start a transition-to-retirement pension), or</li><li>cease a paid work arrangement after reaching age 60 (even if you’re not planning to permanently retire)</li><li>turn 65 (even if you haven’t retired). </li></ul> <p><a data-tracker-locationid="cfs | -cfstext1findoutyourpreservationage" href="/content/cfs-winged/au/en/super/understanding-superannuation.html#access-my-super" target="_blank" rel="noopener noreferrer">Find out your preservation age</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-915d2545c7-header" data-title="How can I apply for early access to my super?"> <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">How can I apply for early access to my super?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-915d2545c7-panel" role="region" aria-labelledby="accordion-663d22650a-item-915d2545c7-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-915d2545c7" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-bfbdf8b301" class="cmp-text"> <p>Your super is designed to help you build long-term retirement savings and generally can’t be accessed until you retire or turn 65. However, you may be able to access your super early on compassionate grounds or for financial hardship reasons.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1earlyaccesstosuperoncompassionategrounds" href="/content/cfs-winged/au/en/super/early-access-to-super.html#compassionate-grounds" target="_blank" rel="noopener noreferrer">Early access to super on compassionate grounds</a> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1earlyaccesstosuperforfinancialhardshipreasons" href="/content/cfs-winged/au/en/super/early-access-to-super.html#financial-hardship" target="_blank" rel="noopener noreferrer">Early access to super for financial hardship reasons</a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-4408f22e51-header" data-title="How can I top up my super?"> <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">How can I top up my super?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-4408f22e51-panel" role="region" aria-labelledby="accordion-663d22650a-item-4408f22e51-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-4408f22e51" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-a438113729" class="cmp-text"> <p>Topping up your super with an extra contribution – even if it’s only a small amount – can make a big difference over time. By making super contributions you could potentially pay less tax while growing your super balance faster, thanks to the power of compounding. Just keep in mind that there are limits to how much you can contribute to super each year and an upper age limit of 75 applies to some contribution types.</p> <p> </p> <p>There are two ways you can add to your super: from your before-tax income or from your after-tax income. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1howtoaddextramoneytoyoursuper" href="/content/cfs-winged/au/en/super/super-contributions.html" target="_blank" rel="noopener noreferrer">How to add extra money to your super</a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-6d6cb35a7a-header" data-title="How can I take my super to a new job? "> <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">How can I take my super to a new job? </div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-6d6cb35a7a-panel" role="region" aria-labelledby="accordion-663d22650a-item-6d6cb35a7a-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-6d6cb35a7a" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-9a35e9c4fe" class="cmp-text"> <p>It’s easier than it used to be to take your super with you to a new job. That’s thanks to some super rules called stapling. It means when you start work with a new employer, if you don’t tell them where you want your super contributions to go, they have to check with the ATO to see whether you already have an account set up with a super fund. If you do, your employer has to contribute to that account. </p> <p> </p> <p>However, to make sure your super will be paid into the account you want, the best thing to do is give your employer a <a title="Fund nomination" data-tracker-locationid="cfs | text1-cfstext1fundnominationform" href="/content/cfs-winged/au/en/super/consolidate-your-super.html#things-to-note" target="_blank" rel="noopener noreferrer">Fund Nomination form</a>. </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-172ca8bc5c-header" data-title="How much do employers have to pay into my super? "> <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">How much do employers have to pay into my super? </div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-172ca8bc5c-panel" role="region" aria-labelledby="accordion-663d22650a-item-172ca8bc5c-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-172ca8bc5c" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-f4f1d8b663" class="cmp-text"> <p>By law, your employer must contribute some of your pay into a super account for you. This is called the Superannuation Guarantee. The required amount is 11% of your pay (before tax) for the 2023-24 financial year. This rate is scheduled to increase by 0.5% each year until it reaches 12% in July 2025.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1whatisthesuperannuationguarantee" href="/content/cfs-winged/au/en/super/understanding-superannuation.html#superannuation-guarantee" target="_blank" rel="noopener noreferrer">What is the Superannuation Guarantee?</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-64b6176e41-header" data-title="How can I consolidate multiple super accounts into one?"> <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">How can I consolidate multiple super accounts into one?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-64b6176e41-panel" role="region" aria-labelledby="accordion-663d22650a-item-64b6176e41-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-64b6176e41" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-5717c283f2" class="cmp-text"> <p>It’s easy to end up with multiple super accounts, especially if you’ve changed jobs a few times. But having all your super in one place can help you save on fees – and make your super easier to manage. </p> <p> </p> <p>Thankfully, it’s quick and simple to bring your super together. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1stepbystepguidetoconsolidatingyoursuper" href="/content/cfs-winged/au/en/super/consolidate-your-super.html" target="_blank" rel="noopener noreferrer">Step-by-step guide to consolidating your super</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-1ea3663258-header" data-title="How can I make or update a non-lapsing death benefit nomination?"> <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">How can I make or update a non-lapsing death benefit nomination?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-1ea3663258-panel" role="region" aria-labelledby="accordion-663d22650a-item-1ea3663258-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-1ea3663258" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-99d6b5d15c" class="cmp-text"> <p>Super is one of the biggest assets you can accumulate in your lifetime, so it's important that you decide what happens to it. You can nominate specific beneficiaries to receive your super when you pass away by making a non-lapsing death benefit nomination. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfsnominatingabeneficiaryforyoursuper" href="/content/cfs-winged/au/en/retirement/nominate-a-beneficiary.html" target="_blank" rel="noopener noreferrer">Nominating a beneficiary for your super</a></p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1downloadthenonlapsingdeathbenefitnominationform" href="https://www.cfs.com.au/content/dam/prospects/fs/4/7/fs4700.pdf" target="_blank" title="Non-lapsing death benefit nomination form" rel="noopener noreferrer">Download the non-lapsing death benefit nomination form</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-2c85a9c770-header" data-title="What happens to my super if I lose my job?"> <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 happens to my super if I lose my job?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-2c85a9c770-panel" role="region" aria-labelledby="accordion-663d22650a-item-2c85a9c770-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-2c85a9c770" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-29420d1911" class="cmp-text"> <p>There will be no changes to your super if you lose your job, except that your employer will stop making contributions into your account. When you start a new job, your employer will contribute to your existing (stapled) fund, or you can choose a new fund by giving your new employer a <u><a data-tracker-locationid="cfs | text1-cfstext1fundnominationform" href="/content/cfs-winged/au/en/super/consolidate-your-super.html#things-to-note" target="_blank" rel="noopener noreferrer">Fund Nomination form</a></u>. </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-7d58cc5db8-header" data-title="What is my preservation age?"> <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 is my preservation age?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-7d58cc5db8-panel" role="region" aria-labelledby="accordion-663d22650a-item-7d58cc5db8-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-7d58cc5db8" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-ac1a42db48" class="cmp-text"> <p>Your preservation age depends on your birth date: </p> </div> </div> <div class="table aem-GridColumn aem-GridColumn--default--10"> <div data-cmp-is="table" style=" --row-count: 6; --column-count: 2; --column-sizes: 1fr 1fr ; " class=" Table Table--mobileVariation-off Table--removeLeftInset-off Table--columnTitleStyle-styleThree Table--columnTitleMobileSizeOverride-off Table--columnAlignmentOverride-individual Table--columnAlignmentOverrideAll-off Table--columnAlignmentOverrideTwoPlus-off Table--rowAlignmentOverride-off Table--rowAlignmentOverrideAll-off Table--rowAlternateColours-off Table--rowHideMobileRowUnderlines-off Table--rowHideLastRowUnderline-off Table--headingStyle-off "> <div class="Table__Table" role="table"> <div class="Table__TableHead" role="rowgroup"> <div class="Table__TableRow" role="row"> <div role="columnheader" style="--column: 0" class=" h6 Table__TableColumnHeader Table__TableCell Table__TableCell--columnAlignmentOverride-off ">Your birth date </div> <div role="columnheader" style="--column: 1" class=" h6 Table__TableColumnHeader Table__TableCell Table__TableCell--columnAlignmentOverride-center ">Preservation age</div> </div> </div> <div class="Table__TableBody" role="rowgroup"> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-off "> <div role="cell" style=" --column: 0; --row: 0; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> Your birth date </div> <p>Before 1 July 1960 </p> </div> <div role="cell" style=" --column: 1; --row: 0; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Preservation age </div> <p style=" text-align: center; ">55</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-off "> <div role="cell" style=" --column: 0; --row: 1; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> Your birth date </div> <p>Between 1 July 1960 and 30 June 1961 </p> </div> <div role="cell" style=" --column: 1; --row: 1; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Preservation age </div> <p style=" text-align: center; ">56</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-off "> <div role="cell" style=" --column: 0; --row: 2; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> Your birth date </div> <p>Between 1 July 1961 and 30 June 1962 </p> </div> <div role="cell" style=" --column: 1; --row: 2; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Preservation age </div> <p style=" text-align: center; ">57</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-off "> <div role="cell" style=" --column: 0; --row: 3; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> Your birth date </div> <p>Between 1 July 1962 and 30 June 1963 </p> </div> <div role="cell" style=" --column: 1; --row: 3; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Preservation age </div> <p style=" text-align: center; ">58</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-off "> <div role="cell" style=" --column: 0; --row: 4; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> Your birth date </div> <p>Between 1 July 1963 and 30 June 1964 </p> </div> <div role="cell" style=" --column: 1; --row: 4; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Preservation age </div> <p style=" text-align: center; ">59</p> </div> </div> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-off "> <div role="cell" style=" --column: 0; --row: 5; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> Your birth date </div> <p>After 30 June 1964 </p> </div> <div role="cell" style=" --column: 1; --row: 5; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Preservation age </div> <p style=" text-align: center; ">60</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-b8ad06af87-header" data-title="How can I see the performance of my super?"> <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">How can I see the performance of my super?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-b8ad06af87-panel" role="region" aria-labelledby="accordion-663d22650a-item-b8ad06af87-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-b8ad06af87" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-42d60f572e" class="cmp-text"> <p>In addition to reading your regular statements, you can check your super balance, transactions and performance online or in the CFS app: </p> </div> </div> <div class="table aem-GridColumn aem-GridColumn--default--10"> <div data-cmp-is="table" style=" --row-count: 1; --column-count: 2; --column-sizes: 1fr 1fr ; " class=" Table Table--mobileVariation-off Table--removeLeftInset-off Table--columnTitleStyle-styleThree Table--columnTitleMobileSizeOverride-off Table--columnAlignmentOverride-off Table--columnAlignmentOverrideAll-off Table--columnAlignmentOverrideTwoPlus-off Table--rowAlignmentOverride-off Table--rowAlignmentOverrideAll-off Table--rowAlternateColours-off Table--rowHideMobileRowUnderlines-off Table--rowHideLastRowUnderline-off Table--headingStyle-off "> <div class="Table__Table" role="table"> <div class="Table__TableHead" role="rowgroup"> <div class="Table__TableRow" role="row"> <div role="columnheader" style="--column: 0" class=" h6 Table__TableColumnHeader Table__TableCell Table__TableCell--columnAlignmentOverride-off ">CFS app</div> <div role="columnheader" style="--column: 1" class=" h6 Table__TableColumnHeader Table__TableCell Table__TableCell--columnAlignmentOverride-center ">Online</div> </div> </div> <div class="Table__TableBody" role="rowgroup"> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-off "> <div role="cell" style=" --column: 0; --row: 0; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> CFS app </div> <p>1. Log into the CFS app. If you don’t have the app yet, you can download it here: </p> <p> </p> <p><a title="App store" data-tracker-locationid="cfs | table1.1-cfstable11ifyoudonthavetheappyetyoucandownloadithere" href="https://apps.apple.com/au/app/colonial-first-state/id1433864644" target="_blank" rel="noopener noreferrer">Download from the App Store</a></p> <p><a title="Google play" data-tracker-locationid="cfs | table1.1-cfstable11downloadfromgoogleplay" href="https://play.google.com/store/apps/details?id=au.com.cfs.mobile&pli=1" target="_blank" rel="noopener noreferrer">Download from Google Play</a></p> <p> </p> <p>2. You’ll see your current super balance on the dashboard. </p> <p> </p> <p>3. Choose ‘Investments’ to see your investment summary. You can also view a personalised graph that shows how your balance has changed over time.</p> </div> <div role="cell" style=" --column: 1; --row: 0; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-center "> <div class="h6 Table__TableColumnHeader"> Online </div> <p>1. <a title="FirstNet log in" data-tracker-locationid="cfs | table1.2-loginto" href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001&adobe_mc=MCMID%3D49155294413929536550298894509486208623%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1691555416" target="_blank" rel="noopener noreferrer">Log into</a> our online portal with your Member ID (OIN) and password</p> <p> </p> <p>2. You’ll see your current super balance on the dashboard.</p> <p> </p> <p>3. Choose ‘Investments’ to see your investment summary.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-ffe6b09a8a-header" data-title="How much tax do I pay on my super?"> <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">How much tax do I pay on my super?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-ffe6b09a8a-panel" role="region" aria-labelledby="accordion-663d22650a-item-ffe6b09a8a-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-ffe6b09a8a" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="testing" class="cmp-text"> <p>When an employer makes a contribution on your behalf, or you make a personal contribution that you claim a tax deduction for, it’s taxed at 15% instead of your marginal tax rate. </p> <p> </p> <p>If you earn $37,000 or less per year, the government may make a contribution to your super account of up to $500 to offset the tax. </p> <p> </p> <p>If your income and before-tax contributions are more than $250,000 per year, you may have to pay an additional 15% tax on some or all of these contributions.</p> <p> </p> <p>When you make personal contributions that you don’t claim a tax deduction for, or your spouse makes a contribution for you, contributions tax doesn’t apply. This is because you or your spouse have already paid income tax on that money. </p> <p> </p> <p>Earnings on your accumulation (pre-retirement) super balance are also concessionally taxed at a maximum of 15%. And if you start an income stream in super after retirement, earnings on that balance are not taxed at all. </p> <p> </p> <p>Once you can access your super (e.g. at retirement), if you are aged 60 or over you can generally withdraw your super tax-free – either as a lump sum or an ongoing income stream.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-howismysupertaxed" href="/content/cfs-winged/au/en//super/understanding-superannuation.html#super-tax-and-benefits" target="_blank" rel="noopener noreferrer">How is my super taxed?</a><br /> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-802fcc982e-header" data-title="What are my super 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">What are my super fees?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-802fcc982e-panel" role="region" aria-labelledby="accordion-663d22650a-item-802fcc982e-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-802fcc982e" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-f5d0054575" class="cmp-text"> <p>Super law requires all fees and costs charged to members to be listed on their statement – and every super fund must use the same format so it’s easy to compare the fees and costs of one fund against another. </p> <p> </p> <p>But if you’re still not sure what you’re paying for, here’s a quick explanation of fees that may apply to your super account: </p> <ul><li><b>Administration fee</b> – This covers the costs of operating the fund. It may be charged as a fixed fee, a percentage of your super balance, or a combination of both.</li><li><b>Advice service fees</b> – These cover the cost of personal advice you receive from your financial adviser (if you have one) about your super.</li><li><b>Buy/sell spread</b> – This is the cost of changing investment options. It may apply when you invest, switch or withdraw part or all of your investment. The cost is deducted from your investment.</li><li><b>Insurance premiums</b> – If you have insurance cover through your super, the premiums will be deducted from your account balance. </li><li><b>Investment fees and costs</b> – These are fees and costs for investing your money, which includes performance fees and indirect costs. Indirect costs are expenses paid by your super fund to third-party providers, such as investment managers. </li><li><b>Transaction costs</b> – These are costs associated with the sale and purchase of assets of the super fund other than costs that are recovered by the super fund charging buy/sell spreads. </li></ul> <p>You can find a full breakdown of our fees and costs in our <a title="PDS" data-tracker-locationid="cfs | -cfstext1productdisclosurestatements" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators/product-disclosure-statements.html" target="_blank" rel="noopener noreferrer">Product Disclosure Statements</a>. </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-b7a84b4905-header" data-title="What happens to my super when I pass away?"> <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 happens to my super when I pass away?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-b7a84b4905-panel" role="region" aria-labelledby="accordion-663d22650a-item-b7a84b4905-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-b7a84b4905" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-b9c9a6b301" class="cmp-text"> <p>If you don't nominate how you want your super distributed, the trustee of your super fund will pay out your super in line with the fund's rules. This could mean your super gets paid to your estate, or the trustee may decide who your super goes to – which may not be the person or the people that you had in mind.</p> <p> </p> <p>You can nominate specific beneficiaries to receive your super benefit by making a non-lapsing death benefit nomination. However, you can only nominate your dependants. This means:</p> <ul><li>your current spouse (including de facto and same sex spouses)</li><li>your child (biological, adopted or stepchild)</li><li>any person who is financially dependent on you, or</li><li>any person with whom you have an interdependency relationship. </li></ul> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1downloadthenonlapsingdeathbenefitnominationform" href="https://www.cfs.com.au/content/dam/prospects/fs/4/7/fs4700.pdf" target="_blank" title="Non-lapsing death benefit nomination form" rel="noopener noreferrer">Download the non-lapsing death benefit nomination form</a> </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1nominatingabeneficiaryforyoursuper" href="/content/cfs-winged/au/en/retirement/nominate-a-beneficiary.html" target="_blank" rel="noopener noreferrer">Nominating a beneficiary for your super</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-51f67bae22-header" data-title="Should I get insurance cover through my super?"> <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">Should I get insurance cover through my super?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-51f67bae22-panel" role="region" aria-labelledby="accordion-663d22650a-item-51f67bae22-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-51f67bae22" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-efcaf7039d" class="cmp-text"> <p>If something unexpected happens, insurance can minimise the financial impact on you and your loved ones. </p> <p> </p> <p>When it comes to life, disability and income protection insurance, there are usually two options: have insurance cover inside your super or pay for a separate insurance policy outside your super. There are plenty of benefits to having insurance inside super, but it’s important to be across the potential limitations as well. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1" href="/content/cfs-winged/au/en/super/insurance-for-super.html#benefits" target="_blank" rel="noopener noreferrer">Benefits of having insurance inside super</a></p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1potentiallimitationsofhavinginsuranceinsidesuper" href="/content/cfs-winged/au/en/super/insurance-for-super.html#limitations" target="_blank" rel="noopener noreferrer">Potential limitations of having insurance inside super</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-1403b033f5-header" data-title="How do I make an insurance claim?"> <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">How do I make an insurance claim?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-1403b033f5-panel" role="region" aria-labelledby="accordion-663d22650a-item-1403b033f5-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-1403b033f5" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-9f0cb7273d" class="cmp-text"> <p>We understand that if you’re making an insurance claim, you’re probably going through a difficult time. We want to process your claim as quickly as we can. So, here’s a step-by-step guide to making an insurance claim: </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1howdoimakeaninsuranceclaim" href="/content/cfs-winged/au/en/super/make-an-insurance-claim.html" target="_blank" rel="noopener noreferrer">How do I make an insurance claim?</a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-48247e86e8-header" data-title="How can I transfer my insurance between super funds?"> <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">How can I transfer my insurance between super funds?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-48247e86e8-panel" role="region" aria-labelledby="accordion-663d22650a-item-48247e86e8-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-48247e86e8" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-bee1bf2d81" class="cmp-text"> <p>If you have insurance cover with another super fund, or you have a life insurance policy, you may be able to transfer your insurance cover to your FirstChoice account. It’s important that you don’t cancel your previous cover until you receive written confirmation from us that your transfer request has been accepted. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1stepbystepguidetotransferringyourinsurance" href="/content/cfs-winged/au/en/super/insurance-for-super.html#transferring-insurance" target="_blank" rel="noopener noreferrer">Step-by-step guide to transferring your insurance</a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-7d71aae251-header" data-title="How can I reduce or cancel my insurance cover?"> <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">How can I reduce or cancel my insurance cover?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-7d71aae251-panel" role="region" aria-labelledby="accordion-663d22650a-item-7d71aae251-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-7d71aae251" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-f53bad18c3" class="cmp-text"> <p>You can always reduce or cancel insurance cover in super as your needs change.</p> <p> </p> <p>You can do this by:</p> <ul><li>calling, emailing or writing to us [link to contact page]</li><li>logging into our online portal and submitting a request via e-Post</li><li>completing the <a data-tracker-locationid="cfs | text1-cfstext1reduceorcancelinsurancecoverform" href="https://www.cfs.com.au/personal/resources/find-a-form/find-a-form/insurance.html" target="_blank" title="Reduce or Cancel Insurance Cover form" rel="noopener noreferrer">Reduce or Cancel Insurance Cover form</a>.</li></ul> <p>If you cancel your cover, we’ll stop deducting insurance premiums from your account.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1whattoconsiderbeforereducingorcancellingyourinsurance" href="/content/cfs-winged/au/en/super/insurance-for-super.html#cancel-your-insurance-cover" target="_blank" rel="noopener noreferrer">What to consider before reducing or cancelling your insurance</a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-7b7c9bc597-header" data-title="How do you pay insurance premiums from your super?"> <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">How do you pay insurance premiums from your super?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-7b7c9bc597-panel" role="region" aria-labelledby="accordion-663d22650a-item-7b7c9bc597-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-7b7c9bc597" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-5f75a75b79" class="cmp-text"> <p>Your premiums are automatically deducted from your super, so you don’t have to budget for them with your take-home pay. Super funds negotiate with insurers to get competitive bulk rates for their members, which means your premiums will likely be lower compared to a non-super insurance policy. </p> <p> </p> <p>Be aware that paying insurance premiums from your super account will reduce your super balance and your savings for retirement.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1howdoesinsuranceinsidesuperwork" href="/content/cfs-winged/au/en/super/insurance-for-super.html" target="_blank" rel="noopener noreferrer">How does insurance inside super work?</a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-c0471a83bb-header" data-title="Can I contribute to my partner’s super account?"> <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">Can I contribute to my partner’s super account?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-c0471a83bb-panel" role="region" aria-labelledby="accordion-663d22650a-item-c0471a83bb-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-c0471a83bb" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-34ab4993a0" class="cmp-text"> <p>It’s possible to make a contribution to your spouse’s super from your after-tax income or receive a contribution to your super from them. Sometimes couples do this when one of them isn’t working, or if one person earns more than the other. </p> <p> </p> <p>The person that makes the contribution may be able to claim a tax offset of up to $540 for the contribution, depending on their spouse’s income and the amount of the contribution. You can’t claim a tax deduction for a spouse contribution. </p> <p> </p> <p>Alternatively, a person can request to split their pre-tax contributions, such as the contributions their employer makes on their behalf, to their spouse. You can generally request to do this after the end of the financial year – and limits apply. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1howtotopupyourspousessuper" href="/content/cfs-winged/au/en/super/spouse-contributions.html" target="_blank" rel="noopener noreferrer">How to top up your spouse’s super</a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-ad68ea94be-header" data-title="What is a self-managed super fund (SMSF)? "> <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 is a self-managed super fund (SMSF)? </div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-ad68ea94be-panel" role="region" aria-labelledby="accordion-663d22650a-item-ad68ea94be-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-ad68ea94be" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-5474397a08" class="cmp-text"> <p>A self-managed super fund (SMSF) is a fund that you set up and manage yourself. You can have up to six members in your fund, and each member is required to be a trustee of the fund.</p> <p> </p> <p>The members, as trustees, are responsible for making all the investment decisions and ensuring the fund complies with all the various reporting and compliance rules. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1selfmanagedsuperfundsexplained" href="/content/cfs-winged/au/en/super/self-managed-super-funds-smsf.html" target="_blank" rel="noopener noreferrer">Self-managed super funds explained</a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-fb37d6dfac-header" data-title="What happens to my super if I leave Australia?"> <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 happens to my super if I leave Australia?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-fb37d6dfac-panel" role="region" aria-labelledby="accordion-663d22650a-item-fb37d6dfac-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-fb37d6dfac" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-889df06c43" class="cmp-text"> <p>What happens to your super when you leave Australia will depend on whether you’re an Australian citizen, permanent or temporary resident of Australia, or a New Zealand citizen.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1australiancitizenpermanentresidentofaustraliaornewzealandcitizen" href="/content/cfs-winged/au/en/super/understanding-superannuation.html#citizen" target="_blank" rel="noopener noreferrer">Australian citizen, permanent resident of Australia, or New Zealand citizen</a></p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1temporaryresidentofaustralia" href="/content/cfs-winged/au/en/super/understanding-superannuation.html#temporary-resident" target="_blank" rel="noopener noreferrer">Temporary resident of Australia</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-b283d2f9e0-header" data-title="How do government co-contributions work?"> <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">How do government co-contributions work?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-b283d2f9e0-panel" role="region" aria-labelledby="accordion-663d22650a-item-b283d2f9e0-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-b283d2f9e0" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-071c63ad31" class="cmp-text"> <p>If you’re an employee or run your own business, have annual income of less than $58,445 (for the 2023-24 financial year), and you make a personal contribution to super that you don’t claim a tax deduction for, you may be eligible to receive a government co-contribution.</p> <p> </p> <p>The government will pay up to $500 per year into your super, depending on your income and the amount of your contribution. You don’t need to complete any forms or notify your super fund – it will be automatically calculated and paid into your super after you lodge your tax return.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1amieligibleforagovernmentcocontribution" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/adviser/firsttech/client-facing/ft-boosting-your-super-government-cocontribution.pdf?adobe_mc=MCMID%3D38393095573706206582512168853927694536%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1692177727" target="_blank" rel="noopener noreferrer">Am I eligible for a government co-contribution?</a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-3a6e171fef-header" data-title="What are your current term deposit interest rates?"> <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 your current term deposit interest rates?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-3a6e171fef-panel" role="region" aria-labelledby="accordion-663d22650a-item-3a6e171fef-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-3a6e171fef" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-88529a7564" class="cmp-text"> <p>View our <a href="https://www.cfs.com.au/personal/resources/funds-and-performance/firstrate-interest-rates.html" data-tracker-locationid="cfs | text1-currentinterestrates">current interest rates</a> or contact our customer service team. Interest rates are subject to change based on market conditions, and it's always a good idea to check for the most up-to-date information before making any decisions.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-ee25a1b8e8-header" data-title="Why are you charging a fee on my term deposit?"> <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">Why are you charging a fee on my term deposit?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-ee25a1b8e8-panel" role="region" aria-labelledby="accordion-663d22650a-item-ee25a1b8e8-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-ee25a1b8e8" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-beb88c3c2e" class="cmp-text"> <p>Fees are typically charged on term deposits. The fee ensures that the costs associated with maintaining your deposit can be managed. </p> <p> </p> <p>From 16 November 2024, an administration fee of 0.15% p.a. calculated on the initial principal invested will apply to new term deposits offered by CFS (including rollovers). The fee will be deducted from the interest earned at maturity or annually (for term deposits over 12 months) or when the term deposit is fully withdrawn. The fee will not apply to existing term deposits.</p> <p> </p> <p>For more information, please refer to our <a href="https://www.cfs.com.au/content/dam/prospects/fs/5/7/fs5737.pdf?7" target="_blank" data-tracker-locationid="cfs | text1-referenceguide" rel="noopener noreferrer">Reference Guide</a>.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-e09cb76e63-header" data-title="How can I invest in a term deposit?"> <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">How can I invest in a term deposit?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-e09cb76e63-panel" role="region" aria-labelledby="accordion-663d22650a-item-e09cb76e63-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-e09cb76e63" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-bb8adf2679" class="cmp-text"> <p>You can invest in a term deposit in several ways:</p> <ul><li><b>Initial application:</b> You can select a term deposit as part of your initial account application, either through E-setup or using the paper application form.</li><li><b>Additional investment:</b> If you have a super account, you can add to your investment over the phone or online via FirstNet.</li><li><b>Switching funds:</b> You can also switch funds from other existing investment options into a term deposit using FirstNet or by completing a Switch form.</li></ul> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-86e3c727d0-header" data-title="What are the steps to renew a term deposit?"> <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 steps to renew a term deposit?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-86e3c727d0-panel" role="region" aria-labelledby="accordion-663d22650a-item-86e3c727d0-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-86e3c727d0" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-0bd13949ce" class="cmp-text"> <p>To renew your term deposit:</p> <ol><li><b>Review the maturity letter:</b> Instructions are provided in the maturity letter you will receive before your term deposit matures.</li><li><b>Choose an option:</b> You can reinvest the principal and interest into a new term deposit or withdraw the funds.</li><li><b>Submit instructions:</b> You can do this via FirstNet, by contacting customer service, or by speaking to your adviser.</li></ol> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-072e0d9e66-header" data-title="How do I change my term deposit instructions?"> <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">How do I change my term deposit instructions?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-072e0d9e66-panel" role="region" aria-labelledby="accordion-663d22650a-item-072e0d9e66-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-072e0d9e66" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-92a0983f6f" class="cmp-text"> <p>To change your term deposit instructions, follow these steps:</p> <ol><li><b>FirstNet: </b>You can update your Term deposit instruction by logging into FirstNet and navigating to ‘Transacting’.</li><li><b>Contact us:</b> Reach out via phone.</li></ol> <p>3. <b>Submit forms:</b> If necessary, <a href="https://www.cfs.com.au/personal/resources/find-a-form/find-a-form/popular-forms.html" data-tracker-locationid="cfs | text1-filloutanyforms">fill out any forms</a>, such as a Switch form or Additional Investment form. We will confirm the changes with you once they are processed.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-a18cd9eb73-header" data-title="How can I withdraw from my term deposit early?"> <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">How can I withdraw from my term deposit early?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-a18cd9eb73-panel" role="region" aria-labelledby="accordion-663d22650a-item-a18cd9eb73-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-a18cd9eb73" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-74570cb662" class="cmp-text"> <p>If you need to withdraw your term deposit early, you may be subject to a reduced interest rate depending on how much of the term has elapsed. You can withdraw up to 90% of the amount, and fees or an early withdrawal interest rate adjustments may apply. Contact us for an estimate of early breakage costs.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-663d22650a-item-b51b94d0c5-header" data-title="Are there any fees associated with term deposits?"> <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">Are there any fees associated with term deposits?</div> </button> <div class="Accordion__ItemPanel" id="accordion-663d22650a-item-b51b94d0c5-panel" role="region" aria-labelledby="accordion-663d22650a-item-b51b94d0c5-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-b51b94d0c5" 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--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-ff7cf85889" class="cmp-text"> <p>Yes, an administration fee will be deducted from the interest earned at maturity or when a term deposit is fully withdrawn or annually (for 2-year, 3-year and 5-year term deposits). If the term is 9 months or less, the fee will be pro-rated.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section role="tabpanel" id="tabs-4cb4ecde67-item-e0ef07d4ce-tabpanel" aria-labelledby="tabs-4cb4ecde67-item-e0ef07d4ce-tab" data-tabId="tabs-4cb4ecde67-item-e0ef07d4ce" data-active="false" data-cmp-hook-tabs="tabpanel" class="Tabs__TabPanel"> <button data-cmp-hook-tabs="accordionTitle" class="Tabs__TabPanelTitle" tabindex="0"> <span>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><div class="container responsivegrid"> <div data-cmp-is="container" id="container-e0ef07d4ce" 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 "> <div class="accordion panelcontainer aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" id="accordion-72df37f69b" class=" Accordion Accordion--heading-alignment-center Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-72df37f69b-item-e1cad468eb-header" data-title="How can I start an investment portfolio? "> <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">How can I start an investment portfolio? </div> </button> <div class="Accordion__ItemPanel" id="accordion-72df37f69b-item-e1cad468eb-panel" role="region" aria-labelledby="accordion-72df37f69b-item-e1cad468eb-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-e1cad468eb" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-96013364e2" class="cmp-text"> <p>Before you start investing, we recommend speaking with a financial adviser to better understand your options. Once you’re ready, CFS makes it easy to start. Our FirstChoice investment platform has everything you need to begin, with more than 180 investment options to choose from and a minimum initial investment of only $1,000. </p> <p> </p> <p>To begin, you’ll need to find a product that will meet your financial needs and review its Product Disclosure Statement (PDS), which includes important information about the investment. These PDS documents are available on our website or through your financial adviser. </p> <p>Once you’ve read the PDS, you can apply to invest using the included application form. We also encourage you to read the Target Market Determination, which has useful information about who a product is suitable for. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfscfstext1howdoiinvestwithcfs" href="/content/cfs-winged/au/en/investment/investing-for-beginners.html" target="_blank" rel="noopener noreferrer">How do I invest with CFS?</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-72df37f69b-item-7c73d165e1-header" data-title="I’m confused by investment and financial terms. Is there an easy way I can learn what these terms mean? "> <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">I’m confused by investment and financial terms. Is there an easy way I can learn what these terms mean? </div> </button> <div class="Accordion__ItemPanel" id="accordion-72df37f69b-item-7c73d165e1-panel" role="region" aria-labelledby="accordion-72df37f69b-item-7c73d165e1-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-7c73d165e1" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-035e62a282" class="cmp-text"> <p>Investors regularly use jargon and technical names to talk about different opportunities, markets, risks, and performance. Although you don’t need to know what all of these words mean by heart, to become a successful investor you will need a working knowledge of the vocabulary. </p> <p> </p> <p>To help you better understand important terms and common phrases, CFS has put together a glossary of key words. If you need additional help deciphering investment information, think about speaking with a financial adviser. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1commoninvestmentterms" href="/content/cfs-winged/au/en/investment/financial-terms-investment-glossary.html" target="_blank" rel="noopener noreferrer">Common investment terms</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-72df37f69b-item-095491f31a-header" data-title="How can I learn more about investing? "> <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">How can I learn more about investing? </div> </button> <div class="Accordion__ItemPanel" id="accordion-72df37f69b-item-095491f31a-panel" role="region" aria-labelledby="accordion-72df37f69b-item-095491f31a-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-095491f31a" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-c7ca05971b" class="cmp-text"> <p>There’s no shortage of videos, books, podcasts, blogs and online courses on investing. </p> <p> </p> <p>The ASX provides <a href="https://www.asx.com.au/investors/investment-tools-and-resources/online-courses/shares-course" target="_blank" data-tracker-locationid="cfs | text1-freecourses" rel="noopener noreferrer">free courses</a> on investing, while the <a href="https://www.australianshareholders.com.au/learn-connect/online-courses/" target="_blank" data-tracker-locationid="cfs | text1-cfstext1australianshareholdersassociationasa" rel="noopener noreferrer">Australian Shareholders Association (ASA)</a> have video courses on the stock market and estate planning. You super fund may also provide financial education.</p> <p> </p> <p>We also recommend our helpful <a title="https://www.cfs.com.au/personal/tools-resources/investing-made-simple.html" href="/content/cfs-winged/au/en/personal/tools-resources/investing-made-simple.html" data-tracker-locationid="cfs | text1-cfstext1investingmadesimplearticles" target="_blank" rel="noopener noreferrer">Investing made simple articles</a>. </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-72df37f69b-item-1d4309ee20-header" data-title="What do I need to know about Capital Gains Tax? "> <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 do I need to know about Capital Gains Tax? </div> </button> <div class="Accordion__ItemPanel" id="accordion-72df37f69b-item-1d4309ee20-panel" role="region" aria-labelledby="accordion-72df37f69b-item-1d4309ee20-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-1d4309ee20" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-f47d594ebe" class="cmp-text"> <p>Capital Gains Tax (CGT) is applied when you ‘dispose’ of an asset – in other words, when you no longer own it – usually because you’ve sold the asset. As the name suggests, the tax only applies to your ‘capital gains’ – that is, the difference in price between when you purchased the asset and when you sold it. </p> <p> </p> <p>For example, Matilda buys some shares for $5,000 and then sells them six months later for $5,500. Her capital gain is $500 – so she would only need to include that amount on her tax return. If Matilda held the shares for longer than 12 months, she would only have to include half her gain in her assessable income due to the 50% CGT discount. Alternatively, if Matilda made a capital loss, she may be able to offset this against other capital gains she made in the same or subsequent years.</p> <p> </p> <p><a href="/content/dam/prospects/fs/8/3/fs834.pdf" target="_blank" data-tracker-locationid="cfs | text1-readourcgttaxguidetolearnmoreaboutthistax" rel="noopener noreferrer">Read our CGT tax guide to learn more about this tax</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-72df37f69b-item-eaac2b4e40-header" data-title="What is an asset type?"> <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 is an asset type?</div> </button> <div class="Accordion__ItemPanel" id="accordion-72df37f69b-item-eaac2b4e40-panel" role="region" aria-labelledby="accordion-72df37f69b-item-eaac2b4e40-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-eaac2b4e40" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-b0756c2184" class="cmp-text"> <p>Asset is the name given to the underlying instrument that you purchase when you invest your money. For example, when you invest directly in the stock market, the assets you’re purchasing are individual shares. </p> <p> </p> <p>An asset type describes a group of assets which share characteristics, such as the level of risk. The four main asset classes are cash, fixed interest, property and shares.  </p> <p> </p> <p><a href="/content/cfs-winged/au/en/investment/investment-options-asset-classes.html" data-tracker-locationid="cfs | text1-cfstext1investingexplainedaguidetocommonassetclassescfscomau" target="_blank" rel="noopener noreferrer">Investing explained: A guide to common asset classes</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-72df37f69b-item-ed29946542-header" data-title="What is a mandate? "> <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 is a mandate? </div> </button> <div class="Accordion__ItemPanel" id="accordion-72df37f69b-item-ed29946542-panel" role="region" aria-labelledby="accordion-72df37f69b-item-ed29946542-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-ed29946542" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-ca9ababb01" class="cmp-text"> <p>A mandate is a set of rules for investment managers to make sure they’re handling investors’ money appropriately. Mandates provide instructions on everything from performance benchmarks to which investments are considered acceptable or not.</p> <p> </p> <p>Mandates are used by investors to ensure their money is being invested in line with their goals and values. </p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section role="tabpanel" id="tabs-4cb4ecde67-item-2dec230b32-tabpanel" aria-labelledby="tabs-4cb4ecde67-item-2dec230b32-tab" data-tabId="tabs-4cb4ecde67-item-2dec230b32" data-active="false" data-cmp-hook-tabs="tabpanel" class="Tabs__TabPanel"> <button data-cmp-hook-tabs="accordionTitle" class="Tabs__TabPanelTitle" tabindex="0"> <span>Retirement</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><div class="container responsivegrid"> <div id="container-2dec230b32" class="cmp-container"> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 "> <div class="accordion panelcontainer aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--0"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" id="accordion-2aa494249f" class=" Accordion Accordion--heading-alignment-center Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-a7ebb9dd30-header" data-title="How can I make a withdrawal from my CFS pension account?"> <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">How can I make a withdrawal from my CFS pension account?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-a7ebb9dd30-panel" role="region" aria-labelledby="accordion-2aa494249f-item-a7ebb9dd30-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-a7ebb9dd30" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-99a5aba7ce" class="cmp-text"> <p>You can make a withdrawal by completing and sending us a withdrawal form. You’ll need your account number, the names of your pension’s investment options, your bank details (or account details of another super fund for roll overs), and access to a printer. </p> <p> </p> <p>Then complete the form:</p> <p>- <a data-tracker-locationid="cfs | text1-cfstext1firstchoicewholesalepensionwithdrawalformforaccountsbeginning051" href="https://www.cfs.com.au/content/dam/prospects/fs/1/6/fs1607.pdf?adobe_mc=MCMID%3D33221868010505870122407787655126851146%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1696571749" target="_blank" title="FirstChoice Wholesale Pension withdrawal form for accounts beginning 051" rel="noopener noreferrer">FirstChoice Wholesale Pension withdrawal form for accounts beginning 051</a></p> <p>Once completed, print, sign and date the form, then either scan and upload the form to our secure online portal, or post the form to us at:</p> <p>Colonial First State </p> <p>Reply Paid 27 </p> <p>Sydney NSW 2001</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-manageyourpensionpayments" href="/content/cfs-winged/au/en/retirement/manage-your-pension.html" target="_blank" rel="noopener noreferrer">Manage your pension payments</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-a7c24770a3-header" data-title="How can I access my Centrelink schedule?"> <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">How can I access my Centrelink schedule?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-a7c24770a3-panel" role="region" aria-labelledby="accordion-2aa494249f-item-a7c24770a3-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-a7c24770a3" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-b3f602231f" class="cmp-text"> <p>A Centrelink schedule is a document that provides Centrelink with information about your super income. You can access your Centrelink schedule through our secure online portal. Log into the portal using your member ID (OIN) and password, select ‘My account’ then select ‘Manage my account’ from the lefthand side of the screen.</p> <p> </p> <p>A new menu will open. From here, select ‘Pension payments’ to bring up a table which includes all of your pension information. Below this table you will have the option to ‘Download current Centrelink/DVA schedule’. </p> <p> </p> <p><a href="/content/cfs-winged/au/en/personal/resources/faqs/retirement/how-to-access-your-centrelink-pension-income-details.html" title="How to access your Centrelink pension/income details" data-tracker-locationid="cfs | text1-cfstext1howtoaccessyourcentrelinkpensionincomedetails" target="_blank" rel="noopener noreferrer">How to access your Centrelink pension/income details</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-5d00915c8d-header" data-title="When can I retire? "> <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">When can I retire? </div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-5d00915c8d-panel" role="region" aria-labelledby="accordion-2aa494249f-item-5d00915c8d-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-5d00915c8d" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-84bb6979d4" class="cmp-text"> <p>You can retire whenever you want, but depending on your age you may not be able to access your super or receive the government Age Pension.</p> <p> </p> <p>To access your super, you typically must have at least reached your preservation age. To receive the Age Pension, you must also have reached your Age Pension age. Both of these ages depend on your date of birth.</p> <p> </p> <p>Even then, there are other eligibility rules which may affect your benefits.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-whatistheretirementageinaustralia" href="/content/cfs-winged/au/en/personal/retirement/retirement-income-planning-guide.html#retirement-age" target="_blank" rel="noopener noreferrer">What is the retirement age in Australia?</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-59fd123376-header" data-title="How much money should I have when I retire?"> <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">How much money should I have when I retire?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-59fd123376-panel" role="region" aria-labelledby="accordion-2aa494249f-item-59fd123376-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-59fd123376" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-140b73a187" class="cmp-text"> <p>There’s no hard and fast rule for how much you should have saved for retirement. The exact sum depends on your lifestyle and living costs.</p> <p> </p> <p>The Association of Superannuation Funds of Australia publishes an annual estimate of how much super <a href="https://www.superannuation.asn.au/resources/retirement-standard" target="_blank" data-tracker-locationid="cfs | text1-isrequiredforsinglesandcouplestoliveeitheramodestoracomfortableretirement" rel="noopener noreferrer">is required for singles and couples to live either a modest or a comfortable retirement</a>. Of course, this is only a guide – some people will find they need less, while others may need more. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-howmuchsuperyouneedtoretirecomfortably" href="/content/cfs-winged/au/en/retirement/how-much-super-should-i-have.html" target="_blank" rel="noopener noreferrer">How much super you need to retire comfortably</a><a data-tracker-locationid="cfs | text1-eedtoretirecomfortably" href="/content/cfs-winged/au/en/retirement/how-much-super-should-i-have.html"></a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-e2ee639a47-header" data-title="How can I diversify my retirement income?"> <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">How can I diversify my retirement income?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-e2ee639a47-panel" role="region" aria-labelledby="accordion-2aa494249f-item-e2ee639a47-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-e2ee639a47" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-43d19f1846" class="cmp-text"> <p>Diversifying your retirement income can help protect you from market shocks. There are several ways to diversify your retirement income, but these involve investing and purchasing financial products and you should speak with a financial adviser before taking action.</p> <p> </p> <p>Some ways to diversify your retirement income include buying different types of income streams, such as an account-based pension and a lifetime annuity as well as investing in different types of investments in your own name, such as shares or managed funds.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-learnmoreaboutdiversifyingyourretirementincome" href="/personal/retirement/retirement-income-planning-guide.html#diversify-your-retirement-income" target="_blank" rel="noopener noreferrer">Learn more about diversifying your retirement income</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-a382c2e555-header" data-title="What is a transition-to-retirement pension?"> <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 is a transition-to-retirement pension?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-a382c2e555-panel" role="region" aria-labelledby="accordion-2aa494249f-item-a382c2e555-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-a382c2e555" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-ad3bbce29f" class="cmp-text"> <p>The transition-to-retirement (TTR) pension allows Australians to access their super before they retire. </p> <p>TTR pensions enable eligible Australians over preservation age (between 55 and 60, depending on your date of birth) start a pension account while they’re still working part time, to either increase their regular income or boost their super savings in a tax effective way.</p> <p> </p> <p>Although TTR pensions can be very useful, they are also not appropriate for everyone, and you should speak with a financial adviser before starting a TTR pension of your own. </p> <p> </p> <p><a title="Transition to retirement" data-tracker-locationid="cfs | text1-cfstext1cfstext1transitiontoretirement" href="/content/cfs-winged/au/en/personal/retirement/transition-to-retirement.html" target="_blank" rel="noopener noreferrer">Transition-to-retirement</a> </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-fc15417258-header" data-title="What is an account-based pension?"> <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 is an account-based pension?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-fc15417258-panel" role="region" aria-labelledby="accordion-2aa494249f-item-fc15417258-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-fc15417258" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-e62e4c32f1" class="cmp-text"> <p>Account-based pensions are one way you can access your super savings. You can move some or all of the money you’ve saved (within government limits) into a pension account, which will then pay you regular, tax-free income.</p> <p>You may be able to start an account-based pension even before you retire, to support you financially as you begin to step away from work. This is known as a transition to retirement pension.</p> <p> </p> <p>Under the current rules, there is a minimum withdrawal amount that you must take from your pension account each year. The percentage you must take as income varies depending on your age. </p> <p> </p> <p><a title="Account-based pension" data-tracker-locationid="cfs | text1-cfstext1cfstext1whatisanaccountbasedpension" href="/content/cfs-winged/au/en/personal/retirement/account-based-pension.html" target="_blank" rel="noopener noreferrer">What is an account-based pension?</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-6e97e7b0ea-header" data-title="Am I eligible for the Age Pension?"> <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">Am I eligible for the Age Pension?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-6e97e7b0ea-panel" role="region" aria-labelledby="accordion-2aa494249f-item-6e97e7b0ea-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-6e97e7b0ea" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-5b2567b231" class="cmp-text"> <p>Eligibility for the Age Pension is based on three factors: </p> <ul><li>your age</li><li>your residency status</li><li>the income and asset tests.</li></ul> <p>As a general rule, you’ll need to be an Australian resident and have reached your age pension age (which is between 65 and 67 depending on your date of birth), have lived in the country for 10 years (with no break in residence for at least five of these), and be in the country on the day your claim is lodged to be eligible. There are also some other circumstances which can affect your eligibility. </p> <p> </p> <p>If you meet the age and residency eligibility criteria, your income and asset tests will determine how much Age Pension you’re entitled to receive.</p> <p> </p> <p>If you meet the age and residency criteria but are not eligible for the Age Pension, you may still be entitled to a Commonwealth Seniors Health Card. More information is available through <a href="https://www.servicesaustralia.gov.au/who-can-get-commonwealth-seniors-health-card?context=21966" target="_blank" title="Services Australia" data-tracker-locationid="cfs | text1-servicesaustralia" rel="noopener noreferrer">Services Australia</a>.</p> <p> </p> <p><a href="https://www.cfs.com.au/personal/retirement/age-pension-guide.html#criteria" target="_blank" title="Eligibility criteria for the Age Pension" data-tracker-locationid="cfs | text1-eligibilitycriteriafortheagepension" rel="noopener noreferrer">Eligibility criteria for the Age Pension</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-23b19f025d-header" data-title="Will my CFS pension account affect the Age Pension?"> <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">Will my CFS pension account affect the Age Pension?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-23b19f025d-panel" role="region" aria-labelledby="accordion-2aa494249f-item-23b19f025d-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-23b19f025d" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-b9d477c78e" class="cmp-text"> <p>Your CFS pension will generally be included as a financial investment for the age pension income and assets tests, and may affect your age pension entitlement.</p> <p> </p> <h5>Find out more about the Age Pension </h5> <p><a title="Age pension guide" data-tracker-locationid="cfs | text1-cfstext1willmypensionaccountaffecttheagepension" href="/content/cfs-winged/au/en/personal/retirement/age-pension-guide.html" target="_blank" rel="noopener noreferrer">Will my pension account affect the Age Pension?</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-f70ca79385-header" data-title="How will part-time work affect the Age Pension?"> <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">How will part-time work affect the Age Pension?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-f70ca79385-panel" role="region" aria-labelledby="accordion-2aa494249f-item-f70ca79385-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-f70ca79385" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-a1bfc0e883" class="cmp-text"> <p>Working once you reach Age Pension age can be a great way to stay active and socially connected as you transition to retirement. The income you earn may also allow you to reduce the amount you draw from super and enable you to make additional contributions.</p> <p> </p> <p>However, this income may also affect how much money you receive from Centrelink under its <a href="/content/cfs-winged/au/en/personal/retirement/age-pension-guide.html" title="Income and asset tests." data-tracker-locationid="cfs | text1-cfstext1incomeandassettests" target="_blank" rel="noopener noreferrer">income and asset tests</a>. </p> <p> </p> <p>Your full part-time earnings won’t be assessed under the income test, thanks to the government work bonus. Once you reach Age Pension age, the amount of employment income assessed under the income test is automatically reduced by up to $300 a fortnight. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1cfstext1howdoesparttimeworkaffecttheagepension" href="/content/cfs-winged/au/en/personal/resources/faqs/retirement/how-will-part-time-work-affect-the-Age-Pension.html" target="_blank" rel="noopener noreferrer">How does part-time work affect the Age Pension?</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-065320b484-header" data-title="How can CFS support my retirement goals?"> <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">How can CFS support my retirement goals?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-065320b484-panel" role="region" aria-labelledby="accordion-2aa494249f-item-065320b484-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-065320b484" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-957f74897f" class="cmp-text"> <p>CFS is helping thousands of Australians achieve their retirement goals with a comprehensive range of products for every stage of your life. This includes super funds designed to help you save a nest egg for retirement, investment solutions to grow your wealth outside of super, and pension accounts to finance your retirement lifestyle. </p> <p> </p> <p>Speak to your financial adviser to learn more about CFS’s suite of retirement-focused products and services.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-b769091240-header" data-title="What is estate planning?"> <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 is estate planning?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-b769091240-panel" role="region" aria-labelledby="accordion-2aa494249f-item-b769091240-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-b769091240" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-af06077ab7" class="cmp-text"> <p>Estate planning is the process of formally outlining what you would like to happen to your financial assets and personal belongings after you pass away. It also includes appointing people to make important financial, legal and medical decisions on your behalf in case you lose the ability to do so yourself. </p> <p> </p> <p>Estate planning could include:</p> <ul><li>creating a last will and testament</li><li>naming an executor to enact your will</li><li>nominating beneficiaries to receive any remaining super and insurance benefits</li><li>choosing someone as an Enduring Power of Attorney to manage your financial affairs</li><li>selecting someone to serve as your enduring guardian and manage your health and living arrangements. </li></ul> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1yourwillandestateplanningchecklist" href="/content/cfs-winged/au/en/personal/news-and-updates/latest-from-cfs/estate-planning-and-wills-checklist.html" title="Your will and estate planning checklist" target="_blank" rel="noopener noreferrer">Your will and estate planning checklist</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-052755e08b-header" data-title="How can I make a downsizer contribution to my super?"> <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">How can I make a downsizer contribution to my super?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-052755e08b-panel" role="region" aria-labelledby="accordion-2aa494249f-item-052755e08b-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-052755e08b" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-58011d96c5" class="cmp-text"> <p>Australians aged 55 and over may be able to contribute up to $300,000 from the sale of their home into their super. These tax-free contributions don’t count towards the caps that limit before and after-tax contributions. </p> <p> </p> <p>You can make a downsizer contribution by satisfying the eligibility criteria and <a title="Complete the form" data-tracker-locationid="cfs | text1-completingtherelevantform" href="https://www.cfs.com.au/content/dam/prospects/fs/7/3/fs7370.pdf" target="_blank" rel="noopener noreferrer">completing the relevant form</a> and submitting it to your super fund either before you make your contribution or at the same time. Remember, you must make contributions within 90 days of a change of ownership (usually settlement). </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1howtomakeadownsizercontribution" href="/content/cfs-winged/au/en/personal/news-and-updates/latest-from-cfs/understanding-downsizer-contributions.html" title="How to make a downsizer contribution" target="_blank" rel="noopener noreferrer">How to make a downsizer contribution</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-05ed85ea28-header" data-title="How can I set up an enduring power of attorney?"> <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">How can I set up an enduring power of attorney?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-05ed85ea28-panel" role="region" aria-labelledby="accordion-2aa494249f-item-05ed85ea28-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-05ed85ea28" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-dee96964ca" class="cmp-text"> <p>Granting an Enduring Power of Attorney to someone allows them to make financial decisions on your behalf – even after you lose capacity. Granting an Enduring Power of Attorney is a very serious matter with significant implications. Always seek legal advice before granting these powers to ensure you understand the current and future ramifications. </p> <p> </p> <p>To appoint an Enduring Power of Attorney, you will need to complete the correct Power of Attorney form provided through solicitor or your state or territory government’s relevant office.</p> <p> </p> <p>This must be completed by both the party granting Power of Attorney and the Attorney themselves, and be properly witnessed. </p> <p> </p> <p>A <a href="https://www.cfs.com.au/content/dam/prospects/fs/6/8/fs6817.pdf?5" target="_blank" title="CFS Power of Attorney/Guardianship Identification form" data-tracker-locationid="cfs | text1-cfspowerofattorneyguardianshipidentificationform" rel="noopener noreferrer">CFS Power of Attorney/Guardianship Identification form</a> is also required if the Attorney is to make decisions regarding CFS funds. </p> <p> </p> <p><a title="Setting up an Enduring Power of Attorney for your super account" data-tracker-locationid="cfs | text1-cfstext1settingupanenduringpowerofattorneyforyoursuperaccount" href="/content/cfs-winged/au/en/retirement/power-of-attorney.html" target="_blank" rel="noopener noreferrer">Setting up an Enduring Power of Attorney for your super account</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-8c2c02f0de-header" data-title="How do government aged care services work?"> <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">How do government aged care services work?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-8c2c02f0de-panel" role="region" aria-labelledby="accordion-2aa494249f-item-8c2c02f0de-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-8c2c02f0de" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-9b528ff30b" class="cmp-text"> <p>There are three types of government aged care services available to older Australians.</p> <p> </p> <p>These are:</p> <ul><li><b>In-home care</b> which provides support to Australians within their own homes. This includes assistance with transport, shopping, cooking, and staying healthy, as well as modifying homes to make them more liveable. </li><li><b>Residential aged care</b> for people who can no longer live safely and independently in their homes. Sometimes called a ‘retirement home’ this type of support offers accommodation, social activities, meals and assistance with day-to-day tasks.</li><li><b>Short-term care</b> which helps Australians with their daily needs for small periods of time, usually a couple of days to a few months. There are different types of short-term care available, typically to help older people regain their independence or give their carers a break. </li></ul> <p>Financial support is available to eligible Australians, but this is means tested (meaning the amount of support available depends on individual circumstances).</p> <p> </p> <p><a title="Aged care: Your guide to care services, costs and eligibility" data-tracker-locationid="cfs | text1-cfstext1cfstext1agedcareyourguidetocareservicescostsandeligibility" href="/content/cfs-winged/au/en/super/super-contributions.html" target="_blank" rel="noopener noreferrer">Aged care: Your guide to care services, costs and eligibility</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-b61b5b2d13-header" data-title="What are your current term deposit interest rates?"> <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 your current term deposit interest rates?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-b61b5b2d13-panel" role="region" aria-labelledby="accordion-2aa494249f-item-b61b5b2d13-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-b61b5b2d13" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-4c3b358756" class="cmp-text"> <p>View our <a href="https://www.cfs.com.au/personal/resources/funds-and-performance/firstrate-interest-rates.html" data-tracker-locationid="cfs | text1-currentinterestrates">current interest rates</a> or contact our customer service team. Interest rates are subject to change based on market conditions, and it's always a good idea to check for the most up-to-date information before making any decisions.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-9037acec29-header" data-title="Why are you charging a fee on my term deposit?"> <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">Why are you charging a fee on my term deposit?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-9037acec29-panel" role="region" aria-labelledby="accordion-2aa494249f-item-9037acec29-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-9037acec29" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-8c5bf3235f" class="cmp-text"> <p>Fees are typically charged on term deposits. The fee ensures that the costs associated with maintaining your deposit can be managed and, in some cases, covers bank breakage costs.</p> <p> </p> <p>From 16 November 2024, an administration fee of 0.15% p.a. calculated on the initial principal invested will apply to new term deposits offered by CFS (including rollovers). The fee will be deducted from the interest earned at maturity or annually (for term deposits over 12 months) or when the term deposit is fully withdrawn. The fee will not apply to existing term deposits.</p> <p> </p> <p>For more information, please refer to our <a href="https://www.cfs.com.au/content/dam/prospects/fs/5/7/fs5737.pdf?7" target="_blank" data-tracker-locationid="cfs | text1-referenceguide" rel="noopener noreferrer">Reference Guide</a>.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-0409573eb3-header" data-title="How can I invest in a term deposit?"> <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">How can I invest in a term deposit?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-0409573eb3-panel" role="region" aria-labelledby="accordion-2aa494249f-item-0409573eb3-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-0409573eb3" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-a7c3ee2308" class="cmp-text"> <p>You can invest in a term deposit in several ways:</p> <ul><li><b>Initial application:</b> You can select a term deposit as part of your initial account application, either through E-setup or using the paper application form.</li><li><b>Additional investment:</b> If you have a super account, you can add to your investment over the phone or online via FirstNet.</li><li><b>Switching funds:</b> You can also switch funds from other existing investment options into a term deposit using FirstNet or by completing a Switch form.</li></ul> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-6957f08f1b-header" data-title="What are the steps to renew a term deposit?"> <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 steps to renew a term deposit?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-6957f08f1b-panel" role="region" aria-labelledby="accordion-2aa494249f-item-6957f08f1b-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-6957f08f1b" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-fa5b4e24a4" class="cmp-text"> <p>To renew your term deposit:</p> <ol><li><b>Review the maturity letter:</b> Instructions are provided in the maturity letter you will receive before your term deposit matures.</li><li><b>Choose an option:</b> You can reinvest the principal and interest into a new term deposit or withdraw the funds.</li><li><b>Submit instructions:</b> You can do this via FirstNet, by contacting customer service, or by speaking to your adviser.</li></ol> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-a85caa1fdd-header" data-title="How do I change my term deposit instructions?"> <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">How do I change my term deposit instructions?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-a85caa1fdd-panel" role="region" aria-labelledby="accordion-2aa494249f-item-a85caa1fdd-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-a85caa1fdd" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-a0f0946bc8" class="cmp-text"> <p>To change your term deposit instructions, follow these steps:</p> <ol><li><b>FirstNet: </b>You can update your Term deposit instruction by logging into FirstNet and navigating to ‘Transacting’.</li><li><b>Contact us:</b> Reach out via phone.</li></ol> <p>3. <b>Submit forms:</b> If necessary, <a href="https://www.cfs.com.au/personal/resources/find-a-form/find-a-form/popular-forms.html" data-tracker-locationid="cfs | text1-filloutanyforms">fill out any forms</a>, such as a Switch form or Additional Investment form. We will confirm the changes with you once they are processed.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-2644f4c8b0-header" data-title="How can I withdraw from my term deposit early?"> <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">How can I withdraw from my term deposit early?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-2644f4c8b0-panel" role="region" aria-labelledby="accordion-2aa494249f-item-2644f4c8b0-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-2644f4c8b0" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-b9b4d2f0f6" class="cmp-text"> <p>If you need to withdraw your term deposit early, you may be subject to a reduced interest rate depending on how much of the term has elapsed. You can withdraw up to 90% of the amount, and fees or an early withdrawal interest rate adjustments may apply. Contact us for an estimate of early breakage costs.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-2aa494249f-item-d3e93d3984-header" data-title="Are there any fees associated with term deposits?"> <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">Are there any fees associated with term deposits?</div> </button> <div class="Accordion__ItemPanel" id="accordion-2aa494249f-item-d3e93d3984-panel" role="region" aria-labelledby="accordion-2aa494249f-item-d3e93d3984-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-d3e93d3984" 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 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-ce7c3504b7" class="cmp-text"> <p>Yes, an administration fee will be deducted from the interest earned at maturity or when a term deposit is fully withdrawn or annually (for 2-year, 3-year and 5-year term deposits). If the term is 9 months or less, the fee will be pro-rated.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section role="tabpanel" id="tabs-4cb4ecde67-item-ef5b2f1d3a-tabpanel" aria-labelledby="tabs-4cb4ecde67-item-ef5b2f1d3a-tab" data-tabId="tabs-4cb4ecde67-item-ef5b2f1d3a" data-active="false" data-cmp-hook-tabs="tabpanel" class="Tabs__TabPanel"> <button data-cmp-hook-tabs="accordionTitle" class="Tabs__TabPanelTitle" tabindex="0"> <span>Financial advice</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><div class="container responsivegrid"> <div data-cmp-is="container" id="container-ef5b2f1d3a" 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 "> <div class="accordion panelcontainer aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" id="accordion-e6fcba05a0" class=" Accordion Accordion--heading-alignment-center Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-e6fcba05a0-item-bff94f5452-header" data-title="How do I know if I need financial advice?"> <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">How do I know if I need financial advice?</div> </button> <div class="Accordion__ItemPanel" id="accordion-e6fcba05a0-item-bff94f5452-panel" role="region" aria-labelledby="accordion-e6fcba05a0-item-bff94f5452-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-bff94f5452" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-055e0b9b2c" class="cmp-text"> <p>A financial adviser can be invaluable if you need help meeting your financial goals. However, not everyone will need the same level of support. You might just need advice for one aspect of your finances. And if you’re confident about your financial knowledge and your finances are straightforward, you mightn’t need advice at all.</p> <p> </p> <p>But if you have complex needs, find it hard to understand financial services or need help reaching your financial goals, speaking to a financial adviser could help. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1whymightineedafinancialadviser" href="/content/cfs-winged/au/en/investment/financial-adviser-investment-manager.html#need-a-financial-adviser" target="_blank" rel="noopener noreferrer">Why might I need a financial adviser?</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-e6fcba05a0-item-ad67a19e2c-header" data-title="How can I find a financial adviser?"> <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">How can I find a financial adviser?</div> </button> <div class="Accordion__ItemPanel" id="accordion-e6fcba05a0-item-ad67a19e2c-panel" role="region" aria-labelledby="accordion-e6fcba05a0-item-ad67a19e2c-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-ad67a19e2c" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-e377381927" class="cmp-text"> <p>You can use the CFS Find an adviser site to help you find the right adviser for you. Alternatively, your super fund or financial institution can recommend one – or you search for one on the government’s Moneysmart website or via a financial advice professional association.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-findanadviser" href="https://cfs.findadviser.com.au/home.html" target="_blank" rel="noopener noreferrer">Find an adviser</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-e6fcba05a0-item-6fcbc453f5-header" data-title="How much does it cost to get professional financial advice?"> <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">How much does it cost to get professional financial advice?</div> </button> <div class="Accordion__ItemPanel" id="accordion-e6fcba05a0-item-6fcbc453f5-panel" role="region" aria-labelledby="accordion-e6fcba05a0-item-6fcbc453f5-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-6fcbc453f5" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-2f796ca774" class="cmp-text"> <p>As with other professional services, such as lawyers or accountants, the cost of financial advice will vary depending on several factors. These include the complexity of your financial situation, your goals, the type of advice you receive, and your adviser’s experience.</p> <p> </p> <p>However, a study by the Financial Advice Association of Australia found that on average it costs $3,300 to set up an initial financial plan and $4,300 annually to receive ongoing support.<sup>1 </sup></p> <p> </p> <p>The best way to find out how much advice will cost is to speak with an adviser and review their Financial Services Guide to see how they charge.</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1howmuchdoesafinancialadvisercost" href="/content/cfs-winged/au/en/investment/financial-adviser-investment-manager.html#cost" target="_blank" rel="noopener noreferrer">How much does a financial adviser cost?</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-e6fcba05a0-item-b87caad249-header" data-title="What should I ask my adviser?"> <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 should I ask my adviser?</div> </button> <div class="Accordion__ItemPanel" id="accordion-e6fcba05a0-item-b87caad249-panel" role="region" aria-labelledby="accordion-e6fcba05a0-item-b87caad249-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-b87caad249" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="prepare-questions" class="cmp-text"> <p>Before your first meeting with a financial adviser, it’s smart to write down your questions. Things you can ask them about include:</p> <ul><li><p>the cost of their advice</p> </li><li><p>their qualifications and what they specialise in</p> </li><li><p>how they’ll work with you </p> </li><li><p>how often you’ll need to see them</p> </li><li><p>how they choose products and whether they get any commissions or incentives</p> </li><li><p>how they’ll manage your investments</p> </li><li><p>what information they’ll provide </p> </li><li><p>how they’ll handle any questions between meetings.</p> </li></ul> <p>Make sure you understand the product or advice they offer and how it will help you meet your financial goals. Don’t be afraid to ask as many questions as you need to before agreeing to any service.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-e6fcba05a0-item-6bd3d78049-header" data-title="Are there different types of financial advisers?"> <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">Are there different types of financial advisers?</div> </button> <div class="Accordion__ItemPanel" id="accordion-e6fcba05a0-item-6bd3d78049-panel" role="region" aria-labelledby="accordion-e6fcba05a0-item-6bd3d78049-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-6bd3d78049" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-fe1288e2df" class="cmp-text"> <p>Financial advisers may choose to specialise in certain areas, such as investment, pre-retirement and retirement, women investors, aged care, business and estate planning. </p> <p> </p> <p><a href="/content/cfs-winged/au/en/personal/resources/faqs/financial-advice/different-kinds.html" data-tracker-locationid="cfs | text1-cfstext1differentkindsofadvisers" target="_blank" rel="noopener noreferrer">Different kinds of advisers</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-e6fcba05a0-item-70c33a27ad-header" data-title="How should I prepare for the first meeting?"> <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">How should I prepare for the first meeting?</div> </button> <div class="Accordion__ItemPanel" id="accordion-e6fcba05a0-item-70c33a27ad-panel" role="region" aria-labelledby="accordion-e6fcba05a0-item-70c33a27ad-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-70c33a27ad" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-44fdbb3f96" class="cmp-text"> <p>Before your first meeting with a financial adviser, think about what your financial goals are, and what areas you want advice about – such an insurance, investing, budgeting, retirement or getting out of debt. Consider the things you need financially, such as insuring your income, saving for a home, or building your retirement funds. And don’t forget your wants too – such as retiring early or having more free time.</p> <p> </p> <p>Get together practical things too such as list of your assets and debts, and your income and expenses. Finally, prepare a list of questions for your potential adviser.</p> <p> </p> <p><a href="/content/cfs-winged/au/en/personal/retirement/planning-your-retirement/ask-adviser.html" data-tracker-locationid="cfs | text1-cfstext1whatshouldiaskmyadviser" target="_blank" rel="noopener noreferrer">What should I ask my adviser?</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-e6fcba05a0-item-df4a115c03-header" data-title="Is financial advice worth the cost?"> <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">Is financial advice worth the cost?</div> </button> <div class="Accordion__ItemPanel" id="accordion-e6fcba05a0-item-df4a115c03-panel" role="region" aria-labelledby="accordion-e6fcba05a0-item-df4a115c03-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-df4a115c03" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-f4938941b5" class="cmp-text"> <p>A financial adviser has the knowledge, expertise and experience to help you come up with a strategy and a plan of action to reach your financial goals.</p> <p> </p> <p>Financial advice has been shown to increase the value of investors’ portfolios – in 2023, it added an average 5.9% to a portfolio.2 Advised life insurance claims are more likely to be successful – for example, in 2022, 98% of advised death cover claims were paid out compared to 90% of non-advised claims.<sup>3</sup></p> <p> </p> <p>Advisers can also offer peace of mind. They can help you avoid making financial decisions based on fear, so you stick to your financial plan.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-e6fcba05a0-item-ef196427f4-header" data-title="I can’t afford financial advice. What are my other options?"> <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">I can’t afford financial advice. What are my other options?</div> </button> <div class="Accordion__ItemPanel" id="accordion-e6fcba05a0-item-ef196427f4-panel" role="region" aria-labelledby="accordion-e6fcba05a0-item-ef196427f4-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-ef196427f4" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-049452aae3" class="cmp-text"> <p>For general information, check out ASIC’s Moneysmart, where you can learn more about financial topics such as budgeting, loans and debt, super, retirement, insurance, banking and more. You can also find valuable online tools to help you budget, manage your money, clear debt and build savings. </p> <p> </p> <p>If you’re considering super and retirement, check whether your super fund offers free general financial advice. </p> <p> </p> <p>Finally, if you’re experiencing financial hardship, consider seeing a financial counsellor. Their services are free and they can provide advice about getting out of debt, dealing with creditors and getting other support.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--8"> <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-5 "> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--0"> <div id="text-aa01c33c16" class="cmp-text"> <p style=" text-align: center; "><sub>1 Adviser Voice, <a href="https://www.adviservoice.com.au/2023/09/financial-advisers-increase-value-during-turbulent-2023/" target="_blank" data-tracker-locationid="cfs | text1-bfinancialadvisersincreasevalueduringturbulent2023b" rel="noopener noreferrer">Financial advisers increase value during turbulent 2023</a>,’ 26 September, 2023.</sub></p> <p style=" text-align: center; "><sub>1 APRA, <a href="https://www.apra.gov.au/sites/default/files/2022-10/Life%20Insurance%20Claims%20and%20Disputes%20Statistics%20June%202022.pdf" target="_blank" data-tracker-locationid="cfs | text1-bstatisticslifeinsuranceclaimsanddisputesstatisticsb" rel="noopener noreferrer">Statistics – Life insurance claims and disputes statistics</a>, June, 2022.</sub></p> <p style=" text-align: center; "><sub>2 Adviser Voice, <a href="https://www.adviservoice.com.au/2023/09/financial-advisers-increase-value-during-turbulent-2023/" target="_blank" data-tracker-locationid="cfs | text1-financialadvisersincreasevalueduringturbulent2023" rel="noopener noreferrer">Financial advisers increase value during turbulent 2023</a>, 26 September, 2023.</sub></p> <p style=" text-align: center; "><sub>3 APRA, <a href="https://www.apra.gov.au/sites/default/files/2022-10/Life%20Insurance%20Claims%20and%20Disputes%20Statistics%20June%202022.pdf" target="_blank" data-tracker-locationid="cfs | text1-statisticslifeinsuranceclaimsanddisputesstatistics" rel="noopener noreferrer">Statistics – Life insurance claims and disputes statistics</a>, June, 2022.</sub></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </section> <section role="tabpanel" id="tabs-4cb4ecde67-item-19cea89a2d-tabpanel" aria-labelledby="tabs-4cb4ecde67-item-19cea89a2d-tab" data-tabId="tabs-4cb4ecde67-item-19cea89a2d" data-active="false" data-cmp-hook-tabs="tabpanel" class="Tabs__TabPanel"> <button data-cmp-hook-tabs="accordionTitle" class="Tabs__TabPanelTitle" tabindex="0"> <span>Your account</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><div class="accordion panelcontainer"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" id="accordion-19cea89a2d" class=" Accordion Accordion--heading-alignment-center Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-19478356b5-header" data-title="What is FirstNet?"> <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 is FirstNet?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-19478356b5-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-19478356b5-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-19478356b5" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-bb1c9e440f" class="cmp-text"> <p>FirstNet is our secure online portal that helps you keep track of your super or investments. You can access it via the CFS home page.</p> <p> </p> <p>Once logged in, you can view your balance, see transactions, download statements, upload or request forms, and update your details.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-92b5b0ef05-header" data-title="How can I log into FirstNet?"> <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">How can I log into FirstNet?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-92b5b0ef05-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-92b5b0ef05-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-92b5b0ef05" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-0d8b165931" class="cmp-text"> <p><a data-tracker-locationid="cfs | text1-cfstext1visitthefirstnetloginpage" href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001&adobe_mc=MCMID%3D81019101786324522913787269499617706716%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1705383711" target="_blank" rel="noopener noreferrer">Visit the FirstNet log in page</a> and enter your Member ID (OIN) and password.</p> <p> </p> <p>If you’ve forgotten your password, go to <a data-tracker-locationid="cfs | text1-cfstext1resetyourfirstnetpassword" href="https://www.colonialfirststate.com.au/FirstNet/RequestPIN/ForgottenLogin/Step1.aspx" target="_blank" rel="noopener noreferrer">reset your FirstNet password</a> and we’ll identify you using your Member ID or account number and then send you a code to reset your password. </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-1c88c5401d-header" data-title="I’m having trouble logging into FirstNet. What should I do?"> <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">I’m having trouble logging into FirstNet. What should I do?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-1c88c5401d-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-1c88c5401d-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-1c88c5401d" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-e6ac2cdb5a" class="cmp-text"> <p>Make sure we always have your latest contact details in case we need to get in touch with you or send you something.</p> <p> </p> <p>While you’re welcome to call us to update your details over the phone, you can also make some of these changes yourself online. </p> <p> </p> <p>For security reasons, you’ll need to complete the <a data-tracker-locationid="cfs | text1-changeofdetailsform" href="https://www.cfs.com.au/content/dam/prospects/fs/4/4/fs4432.pdf" target="_blank" rel="noopener noreferrer">Change of details form</a> to update your account name, contact number, bank account details or tax file number.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-2a3f0b9950-header" data-title="How can I update my details?"> <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">How can I update my details?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-2a3f0b9950-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-2a3f0b9950-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-2a3f0b9950" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-33acfc7318" class="cmp-text"> <p>Make sure we always have your latest contact details in case we need to get in touch with you or send you something.</p> <p> </p> <p>While you’re welcome to call us to update your details over the phone, you can also make some of these changes yourself online. </p> <p> </p> <p>For security reasons, you’ll need to complete the <a data-tracker-locationid="cfs | text1-changeofdetailsform" href="https://www.cfs.com.au/content/dam/prospects/fs/4/4/fs4432.pdf" target="_blank" rel="noopener noreferrer">Change of details form</a> to update your account name, contact number, bank account details or tax file number.</p> </div> </div> <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-10cbc54c6c" 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="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="title aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div id="title-dd6fb6debf" class="cmp-title"> <h5 class="cmp-title__text text--left colour-- h5">CFS app</h5> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h6"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Log into the CFS app. </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-b3f76967f9" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Tap on the three horizontal lines at the top left of your screen. </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-c7a2f7ec05" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Under ‘My profile’, tap ‘Personal details’. </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-bc8e1d3f0b" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Update your personal details and click ‘Submit’. </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-8322b12359" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> </ol> </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="title aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div id="title-ae63755a79" class="cmp-title"> <h5 class="cmp-title__text text--left colour-- h5">Online </h5> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h6"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Login to FirstNet.</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-cde493ac05" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Click ‘My account’ in the top menu.</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-456bb3f8a2" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Click ‘Change my details’ in the left-hand menu.</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-528845566c" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Update your personal details and click ‘Submit’.</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-3477b8228b" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-093db192e2-header" data-title="How do I find my Member ID?"> <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">How do I find my Member ID?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-093db192e2-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-093db192e2-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-093db192e2" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-1f34d050a2" class="cmp-text"> <p>Your Member ID (OIN) is the username to access your account online, along with your password. </p> <p> </p> <p>If you don’t know your OIN, you can <a data-tracker-locationid="cfs | text1-retrieveitonline" href="https://secure.colonialfirststate.com.au/fp/investor/self-service/retrieve-member-id?adobe_mc=MCMID%3D43181478192421623503861264638807946715%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1696914589" target="_blank" rel="noopener noreferrer">retrieve it online</a>. You’ll need to give us a few details about your account, and enter the security code that we send to your linked mobile phone number.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-41d9f96962-header" data-title="Where can I find my account number?"> <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">Where can I find my account number?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-41d9f96962-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-41d9f96962-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-41d9f96962" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-459417a695" class="cmp-text"> <p>You can find your 12-digit account number online by logging into FirstNet or the CFS app. You’ll see your account number on your dashboard after you log in.</p> <p> </p> <p>Alternatively, you can find your account number on the top right-hand corner of your latest account statement. We would have sent this to your email or postal address (depending on your communication preferences).</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-c4605f68ee-header" data-title="Can I self-service my accounts with CFS?"> <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">Can I self-service my accounts with CFS?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-c4605f68ee-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-c4605f68ee-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-c4605f68ee" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-bdd1fdc696" class="cmp-text"> <p>You can manage your super or investments online or in the CFS app: </p> </div> </div> <div class="table aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="table" style=" --row-count: 1; --column-count: 2; --column-sizes: auto auto ; " class=" Table Table--mobileVariation-columns Table--removeLeftInset-off Table--columnTitleStyle-styleThree Table--columnTitleMobileSizeOverride-off Table--columnAlignmentOverride-off Table--columnAlignmentOverrideAll-off Table--columnAlignmentOverrideTwoPlus-off Table--rowAlignmentOverride-off Table--rowAlignmentOverrideAll-off Table--rowAlternateColours-off Table--rowHideMobileRowUnderlines-off Table--rowHideLastRowUnderline-off Table--headingStyle-off "> <div class="Table__Table" role="table"> <div class="Table__TableHead" role="rowgroup"> <div class="Table__TableRow" role="row"> <div role="columnheader" style="--column: 0" class=" h6 Table__TableColumnHeader Table__TableCell Table__TableCell--columnAlignmentOverride-off ">CFS app</div> <div role="columnheader" style="--column: 1" class=" h6 Table__TableColumnHeader Table__TableCell Table__TableCell--columnAlignmentOverride-off ">Online</div> </div> </div> <div class="Table__TableBody" role="rowgroup"> <div role="row" class=" Table__TableRow Table__TableRow--rowAlignmentOverride-off "> <div role="cell" style=" --column: 0; --row: 0; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> CFS app </div> <p>Our app is available for iPhone and Android smartphones. </p> <p> </p> <p>Log in securely using Touch ID or Face ID (for iPhones) or Fingerprint ID (for Androids). Or you can use a password if you prefer.</p> <p> </p> <p>The CFS app is available for all FirstChoice members.</p> <p> </p> <p><a href="https://apps.apple.com/au/app/colonial-first-state/id1433864644" target="_blank" data-tracker-locationid="cfs | table1.1-cfstable11cfstable11downloadfromtheappstore" rel="noopener noreferrer">Download from the App Store</a></p> <p> </p> <p><a href="https://play.google.com/store/apps/details?id=au.com.cfs.mobile" target="_blank" data-tracker-locationid="cfs | table1.1-cfstable11cfstable11cfstable11downloadfromgoogleplay" rel="noopener noreferrer">Download from Google Play</a></p> </div> <div role="cell" style=" --column: 1; --row: 0; " class=" Table__TableCellData Table__TableCell Table__TableCell--columnAlignmentOverride-off "> <div class="h6 Table__TableColumnHeader"> Online </div> <p>FirstNet is our secure online portal. You can access it via the CFS home page.</p> <p> </p> <p>Log into FirstNet with your Member ID (OIN) and password.</p> <p> </p> <p><a href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001&adobe_mc=MCMID%3D03866161886245206133045396955379054144%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1705395663" target="_blank" data-tracker-locationid="cfs | table1.2-logintofirstnet" rel="noopener noreferrer">Log into FirstNet</a></p> </div> </div> </div> </div> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-90e80d10e4" class="cmp-text"> <p>Here are some of the ways you can self-service your accounts: </p> <ul><li><p>Check your super balance </p> </li><li><p>View and download your statements </p> </li><li><p>Update your personal details </p> </li><li><p>Nominate a beneficiary for your super </p> </li><li><p>Tell your employer where to pay your super </p> </li><li><p>Check what type of insurance you have in your super and your level of cover </p> </li><li><p>View the complete transaction history for your super account </p> </li><li><p>Open a new account (online portal only) </p> </li><li><p>Switch investments </p> </li><li><p>Use the ‘SuperMatch’ tool in FirstNet to find your other super accounts (see <a data-tracker-locationid="cfs | text2-cfstext2consolidatingsuper" href="/content/cfs-winged/au/en/super/consolidate-your-super.html" target="_blank" rel="noopener noreferrer">Consolidating super</a>).</p> </li><li><p>Upload and submit forms using FirstNet’s e-Post functionality. </p> </li></ul> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-1cec976862-header" data-title="How can I withdraw money using FirstNet (investment accounts only)?"> <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">How can I withdraw money using FirstNet (investment accounts only)?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-1cec976862-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-1cec976862-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-1cec976862" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="taskstepper tabs panelcontainer aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h6"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <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-198012f7ed" data-overlap-top="42" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-7fa7de2704" class="cmp-text"> <h5><a data-tracker-locationid="cfs | text1-cfstext1logintofirstnet" href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001&adobe_mc=MCMID%3D03866161886245206133045396955379054144%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1705396585" target="_blank" rel="noopener noreferrer">Log into FirstNet</a> with your Member ID (OIN) and password.</h5> <p> </p> <p>If you’ve forgotten either of these details, you can retrieve them online.</p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Select the account you’d like to withdraw from. </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-fe81ddaf77" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>In the left-hand column, click ‘Transacting’. Then choose ‘Withdraw’. </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-80a9bb4738" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Fill in your withdrawal details.</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-48e4a1ec48" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-d70af19a55" class="cmp-text"> <p>You can choose to withdraw either a dollar amount in line with your future investment selection, or a dollar amount or number of units from each investment option. If you withdraw from specific investment options, you must confirm if you want to change your future investment choice, in line with your transaction.</p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Confirm your bank account details and click ‘Next’. </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-edfc0701d5" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>After checking that your withdrawal details are correct, click ‘Generate FirstNet code’. </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-23efdca5b6" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-cbb965c5d2" class="cmp-text"> <p>This will send a unique code to your registered mobile phone number. Enter the unique code and select ‘Submit’. </p> </div> </div> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-fc8a0145b5" class="cmp-text"> <p>Please note, Class A funds can’t perform withdrawals online. These must be done <a data-tracker-locationid="cfs | text1-viaaform" href="https://www.cfs.com.au/content/dam/prospects/fs/4/5/fs4522.pdf" target="_blank" rel="noopener noreferrer">via a form</a>.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-1d5dfcc165-header" data-title="How can I view my statement online? "> <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">How can I view my statement online? </div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-1d5dfcc165-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-1d5dfcc165-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-1d5dfcc165" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-20ecf17486" class="cmp-text"> <p>We store your current and past super statements on the CFS app and the online portal, so you can check them whenever you need to. </p> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-987bd852cf" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> <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-74b0b31d1d" 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="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="container responsivegrid aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div data-cmp-is="container" id="container-63167c55c5" 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--6 aem-Grid--default--6 "> <div class="title aem-GridColumn aem-GridColumn--default--6"> <div id="title-e4a4a6f8f1" class="cmp-title"> <h5 class="cmp-title__text text--left colour-- h5">CFS app</h5> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn aem-GridColumn--default--6"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h6"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Log into the CFS app. </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-453637200f" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Select your account to access your statements. </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-ba3950a4df" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> <div class="title aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div id="title-3b8fe3a869" class="cmp-title"> <h5 class="cmp-title__text text--left colour-- h5">Online </h5> </div> </div> <div class="container responsivegrid aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div data-cmp-is="container" id="container-2ddbaf6d1c" 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--6 aem-Grid--default--6 "> <div class="taskstepper tabs panelcontainer aem-GridColumn aem-GridColumn--default--6"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h6"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Log into FirstNet. </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-e51b15693a" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Go to ‘Documents’ in the top menu. </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-f710cd9c16" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Choose which statement you want to view or download. </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-c6b0f445bd" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-ed508708a8-header" data-title="How can I switch to online statements?"> <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">How can I switch to online statements?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-ed508708a8-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-ed508708a8-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-ed508708a8" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="taskstepper tabs panelcontainer aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h6"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <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-5392bccfbd" data-overlap-top="42" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-846565a771" class="cmp-text"> <h5><a data-tracker-locationid="cfs | text1-cfstext1logintofirstnet" href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001&adobe_mc=MCMID%3D03866161886245206133045396955379054144%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1705396585" target="_blank" rel="noopener noreferrer">Log into FirstNet</a> with your Member ID (OIN) and password.</h5> <p> </p> <p>If you’ve forgotten either of these details, you can retrieve them online.</p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>For super accounts, choose 'My Profile' on the arrow near your name at the top of the page. </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-c17a9dc66b" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-7e53566bbc" class="cmp-text"> <p> For pension or investment accounts, click ‘My account’ in the menu at the top of the page. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Select ‘communication preferences’ in the menu on the left side of the page.</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-8661010a59" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-9f55ce8f6b" class="cmp-text"> <p>To make the change, choose ‘Email’ instead of ‘Mail’. Check that you’ve provided us with your correct email address. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Choose ‘Generate FirstNet code’ to save these details.</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-bdc23b7d66" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-ae6c016349" class="cmp-text"> <p>This will send a unique code to your registered mobile phone number. Enter the unique code and select ‘Submit’.</p> </div> </div> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-55d7671a98-header" data-title="How can I manage my super or investments online?"> <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">How can I manage my super or investments online?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-55d7671a98-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-55d7671a98-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-55d7671a98" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-1942a80b20" class="cmp-text"> <p>You can manage your super or investments online or in the CFS app:</p> </div> </div> <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-bde85c09a5" 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="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="container responsivegrid aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div data-cmp-is="container" id="container-4a4ef19920" 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--6 aem-Grid--default--6 "> <div class="title aem-GridColumn aem-GridColumn--default--6"> <div id="title-9ee10ed50c" class="cmp-title"> <h5 class="cmp-title__text text--left colour-- h5">CFS app</h5> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn aem-GridColumn--default--6"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h6"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Log into the CFS app.</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-8d1d6a7578" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-e4f32f54c9" class="cmp-text"> <p> </p> <p>If you don’t have the app yet, you can download it here:</p> <p><a data-tracker-locationid="cfs | text1-cfstext1cfstext1downloadfromtheappstore" href="https://apps.apple.com/au/app/colonial-first-state/id1433864644" target="_blank" rel="noopener noreferrer">Download from the App Store</a></p> <p><a data-tracker-locationid="cfs | text1-cfstext1downloadfromgoogleplay" href="https://play.google.com/store/apps/details?id=au.com.cfs.mobile" target="_blank" rel="noopener noreferrer">Download from Google Play</a></p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>You’ll see your current account balance on the dashboard. </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-2dfc13708d" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Choose ‘Investments’ to see your investment summary.</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-a47fa42887" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-7340991399" class="cmp-text"> <p>You can also view a personalised graph that shows how your balance has changed over time.</p> </div> </div> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"> <div data-cmp-is="container" id="container-5a8127ac78" 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--6 aem-Grid--default--6 "> <div class="title aem-GridColumn aem-GridColumn--default--6"> <div id="title-f529411cdf" class="cmp-title"> <h5 class="cmp-title__text text--left colour-- h5">Online </h5> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn aem-GridColumn--default--6"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h6"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <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-662ccf0c2e" data-overlap-top="42" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-07a0dbf9c9" class="cmp-text"> <h5><a data-tracker-locationid="cfs | text1-cfstext1logintofirstnet" href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001&adobe_mc=MCMID%3D03866161886245206133045396955379054144%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1705396585" target="_blank" rel="noopener noreferrer">Log into FirstNet</a> with your Member ID (OIN) and password.</h5> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>You’ll see your current account balance on the dashboard. </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-bbe808cc69" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-56868784e9" class="cmp-text"> <p> For pension or investment accounts, click ‘My account’ in the menu at the top of the page. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Choose ‘Investments’ to see your investment summary. </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-1666af895a" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-53fb1e3f31-header" data-title="How do I submit forms online via e-post?"> <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">How do I submit forms online via e-post?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-53fb1e3f31-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-53fb1e3f31-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-53fb1e3f31" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-b7f390ec72" class="cmp-text"> <p>You can submit most of our forms online using our secure member portal: </p> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h6"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <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-3370adb8fb" data-overlap-top="42" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-acb330b3d6" class="cmp-text"> <h5><a data-tracker-locationid="cfs | text1-cfstext1logintofirstnet" href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001&adobe_mc=MCMID%3D03866161886245206133045396955379054144%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1705396585" target="_blank" rel="noopener noreferrer">Log into FirstNet</a> with your Member ID (OIN) and password.</h5> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Choose ‘My account’ in the menu at the top of the page. </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-68ebea9138" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-fb73c04358" class="cmp-text"> <p> For pension or investment accounts, click ‘My account’ in the menu at the top of the page. </p> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Select ‘e-post a request or upload a scanned form’ in the menu on the left side of the page. </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-3b6380f4db" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Select ‘Choose file’ to browse for the file to upload, then click ‘Add’ to attach the file. </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-78dd7b00a8" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>Choose ‘Send’ to submit your file/s to our team for processing. </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-603b7e5afe" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-ce2befa935" class="cmp-text"> <p>We’ll aim to review your request within five working days, and we’ll send you a confirmation once it’s processed. If we need more information, someone will be in touch.</p> <p> </p> <p>Here are a few tips to make sure your form is accepted:</p> <ul><li><p>Most of our forms now support digital signatures. </p> </li><li><p>The maximum individual file size is 6MB (megabytes).</p> </li><li><p>All your files combined can’t exceed 10MB. </p> </li><li><p>If you need to reduce your file size, trying scanning your documents in black and white instead of colour. You can also try setting your scanner to a lower resolution in dpi (dots per inch).</p> </li><li><p>Accepted file formats include PDF, JPG (or JPEG), PNG and BMP. </p> </li><li><p>Please make sure that all documents are legible before submitting them.</p> </li></ul> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-4f390f189c-header" data-title="Can I add an adviser to my account?"> <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">Can I add an adviser to my account?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-4f390f189c-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-4f390f189c-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-4f390f189c" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-eeee499a44" class="cmp-text"> <p>It’s easy to nominate an adviser or authorised representative to transact on your behalf:</p> </div> </div> <div class="taskstepper tabs panelcontainer aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-tabs" data-placeholder-text="false"> <div class="TaskStepper TaskStepper--headingSize-h6"> <div class="TaskStepper__Heading"> <h2 class="h2"></h2> </div> <ol class="TaskStepper__Container"> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <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-698365028e" data-overlap-top="42" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-d892a276ea" class="cmp-text"> <h5>Download and complete the <a data-tracker-locationid="cfs | text1-adviseronlinetransactionauthorityform" href="https://www.cfs.com.au/content/dam/prospects/fs/1/4/fs1429.pdf?5" target="_blank" rel="noopener noreferrer">Adviser Online Transaction Authority form</a>.</h5> </div> </div> </div> </div> </div> </div> </div> </li> <li class="TaskStepper__Item"> <h3 class="TaskStepper__ItemTitle h6"> <div class="TaskStepper__ItemCounter"></div> <span>After completing and signing the form, you can send us a scanned copy of the document through FirstNet using e-Post.</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-381930ec55" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-b8e972e3d0" class="cmp-text"> <p>Alternatively, you can mail it to the address listed on the form.</p> </div> </div> </div> </div> </div> </div> </div> </li> </ol> </div> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-2002a92a94" class="cmp-text"> <p>Keep in mind that investments and withdrawals can only be made to and from a bank account that you've nominated. </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-e07399f838-header" data-title="Can I access my CFS accounts with the mobile app?"> <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">Can I access my CFS accounts with the mobile app?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-e07399f838-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-e07399f838-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-e07399f838" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-6e1ff82c08" class="cmp-text"> <p>The CFS app is available for all FirstChoice members. You can access the app using either an iPhone or Android smartphone. Once logged in, you’ll be able to check your balance, transactions, performance and more. </p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1downloadfromtheappstore" href="https://apps.apple.com/au/app/colonial-first-state/id1433864644" target="_blank" rel="noopener noreferrer">Download from the App Store</a></p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1downloadfromgoogleplay" href="https://play.google.com/store/apps/details?id=au.com.cfs.mobile" target="_blank" rel="noopener noreferrer">Download from Google Play</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-db30ffd88d-header" data-title="What are the cut-off times for transactions?"> <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 cut-off times for transactions?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-db30ffd88d-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-db30ffd88d-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-db30ffd88d" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-02debefac3" class="cmp-text"> <p>To help you with any end of financial year transactions you want to make, we’ll publish our processing cut-off dates and times <a data-tracker-locationid="cfs | text1-cfstext1cfstext1cfstext1onthispage" href="/content/cfs-winged/au/en/personal/resources/faqs/your-account/transaction-cut-off-times.html" target="_blank" rel="noopener noreferrer">on this page</a> towards the end of the 2024 financial year. </p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-712c4624db-header" data-title="What should I know about my Tax File Number?"> <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 should I know about my Tax File Number?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-712c4624db-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-712c4624db-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-712c4624db" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-0f97c0a515" class="cmp-text"> <p>Your Tax File Number (TFN) is a 9-digit number issued by the Australian Taxation Office (ATO). It’s an important part of your tax and super records</p> <p>. </p> <p>You don't have to give us your TFN – it’s not required by law. But giving us your TFN has the following advantages:</p> <ul><li><p>We’ll be able to accept all permitted types of contributions to your account.</p> </li><li><p>Other than the tax that may ordinarily apply, you won’t pay more tax than you need to. This affects both contributions to your super and benefit payments when you start drawing down your super benefits.</p> </li><li><p>It will make it much easier to find different super accounts in your name so that you receive all your super benefits when you retire.</p> </li></ul> <p>If you already have an account with CFS and you want to provide your TFN, please complete the <a data-tracker-locationid="cfs | text1-changeofdetailsform" href="https://www.cfs.com.au/content/dam/prospects/fs/4/4/fs4432.pdf" target="_blank" rel="noopener noreferrer">Change of details form</a>.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-ae029bb52c-header" data-title="What is my occupation?"> <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 is my occupation?</div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-ae029bb52c-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-ae029bb52c-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-ae029bb52c" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-82d0d67cf5" class="cmp-text"> <p>You need to select the occupation or industry that best describes your current situation in the CFS application form. Here’s a full list of occupations/industries, with a detailed description of the different jobs and services within that industry:</p> <p> </p> <p><a data-tracker-locationid="cfs | text1-cfstext1occupationindustrylist" href="/content/cfs-winged/au/en/personal/resources/faqs/your-account/occupation.html" target="_blank" rel="noopener noreferrer">Occupation/industry list</a> </p> <p> </p> <p>You can also select ‘retired’. If you’re currently unemployed, please select the industry you most recently worked in.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-19cea89a2d-item-b974fece2a-header" data-title="How do I get online access to CFS Edge? "> <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">How do I get online access to CFS Edge? </div> </button> <div class="Accordion__ItemPanel" id="accordion-19cea89a2d-item-b974fece2a-panel" role="region" aria-labelledby="accordion-19cea89a2d-item-b974fece2a-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-b974fece2a" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text aem-GridColumn aem-GridColumn--default--12"> <div id="text-3d43c5012c" class="cmp-text"> <p>You can access your account any time on <a data-tracker-locationid="cfs | text1-cfsedge" href="https://investor.cfsedge.com.au" target="_blank" rel="noopener noreferrer">CFS Edge</a> where we've made it easy for you to:</p> <ul><li>monitor the performance of your investments<br /> </li><li>review your transaction history</li><li>manage beneficiaries and personal details like address and phone number</li><li>upload documents securely</li><li>authorise changes initiated by your adviser.</li></ul> <p>You can also keep track of your CFS Edge Super, Pension and Investments accounts on the go by downloading the CFS Edge app to your phone. </p> <p> </p> <p>To access the investor portal or app, you must have an active CFS Edge account.</p> <p> </p> </div> </div> <div class="container 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 data-cmp-is="container" id="container-0fe7d4a4d4" 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--6 aem-Grid--default--6 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--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="two-column-container-c77bdd4af6" 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--6 aem-Grid--default--6 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--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> <div class="image aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0">  <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topLeft Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; --desktop-fixed-size-height: 0px; --mobile-fixed-size-width: 0px; --mobile-fixed-size-height: 0px; "> <div class="Image__Image"> <figure> <a href="https://apps.apple.com/au/app/cfs-edge/id1591866161" target="_self"> <picture> <source media="(max-width: 992px)" srcset="/content/dam/cfs-winged/images/home/download-apple.svg"/> <img src="/content/dam/cfs-winged/images/home/download-apple.svg" alt="Download App Store"/> </picture> </a> </figure> </div> <div class="Image__Spacer"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-horizontal Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> <div class="Image__Parsys"> <div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> <div class="image aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0">  <div data-cmp-is="image" class=" Image Image--desktop-crop-none Image--desktop-size-intrinsic Image--desktop-image-ratio-1by1 Image--desktop-focal-point-topLeft Image--desktop-fixed-size-1 Image--desktop-position-topLeft Image--desktop-corner-crop-off Image--mobile-crop-inherit Image--mobile-size-intrinsic Image--mobile-image-ratio-inherit Image--mobile-focal-point-inherit Image--mobile-fixed-size-inherit Image--mobile-position-inherit Image--mobile-corner-crop-inherit " style=" --desktop-fixed-size-width: 0px; --desktop-fixed-size-height: 0px; --mobile-fixed-size-width: 0px; --mobile-fixed-size-height: 0px; "> <div class="Image__Image"> <figure> <a href="https://play.google.com/store/search?q=CFS%20Edge&c=apps&hl=en_US" target="_self"> <picture> <source media="(max-width: 992px)" srcset="/content/dam/colonial-first-state/images/personal/campaigns/firstwrap-mobile-app-qr-codes/Get-it-on-google-play-logo.jpg"/> <img src="/content/dam/colonial-first-state/images/personal/campaigns/firstwrap-mobile-app-qr-codes/Get-it-on-google-play-logo.jpg"/> </picture> </a> </figure> </div> <div class="Image__Spacer"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-horizontal Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> <div class="Image__Parsys"> <div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </section> </div> </div> </div> <div class="spacer 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-5 "> </div> </div> </div> </div> </div> </div> </div> <div class="divider container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-b170e6c937" 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-6 "> <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 class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-6ad5df34c9" 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-xs 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="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="extra-contributions" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Useful tools</h2> </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-528369776c" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-sm container--padding-right-none container--padding-left-none container--row-spacing-xs 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="responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--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 "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/people-160x120.png" alt="Speak to an expert"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Speak to an expert </span> </h3> <div class="CardPromo__ContentCopy"><p>Our dedicated guidance consultants can provide general advice and help with a range of topics related to your super and retirement</p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Book now" href="/content/cfs-winged/au/en/personal/campaigns/appointment.html" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Book now </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/time-160x120.png" alt="How much super should I have?"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> How much super should I have? </span> </h3> <div class="CardPromo__ContentCopy"><p>Discover how much super you should have right now, and how much you should be aiming towards for a modest or comfortable retirement.</p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn more" href="/content/cfs-winged/au/en/retirement/how-much-super-should-i-have.html" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Learn more </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/percentage-160x120.png" alt="Retirement Calculator"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Retirement Calculator </span> </h3> <div class="CardPromo__ContentCopy"><p>Quickly and easily estimate how much super you may have in retirement and how much you may need.<br /> </p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Use calculator" href="/content/cfs-winged/au/en/retirement-calculator.html" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Use calculator </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-c2aec8381c" class="cmp-experiencefragment cmp-experiencefragment--member"> <div id="container-bcebbd2c9c" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-8084fbf572" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-1c5b89b32b" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Unleash in ways you never thought possible</h2> </div> </div> <div class="spacer 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-11 "> </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-b7c47e9ae2" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="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--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="container" id="container-a956172537" 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--4 aem-Grid--default--4 "> <div class="title aem-GridColumn aem-GridColumn--default--4"> <div id="title-8de2ddedce" class="cmp-title"> <h5 class="cmp-title__text text--center colour-- h5">Get in touch</h5> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-8fa5eff142" class="cmp-text"> <p style=" text-align: center; ">Get in touch with us online or call us<br /> 8:30am to 6pm AEST Monday to Friday.</p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-6 "> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-22aa3e2d6e" class="cmp-text"> <p style=" text-align: center; "><a href="/content/cfs-winged/au/en/about-us/contact-us.html" data-tracker-locationid="cfs | text3-contactus">Contact us</a> <a href="tel:131336">Call 13 13 36</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--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="container" id="container-a96272914d" 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--4 aem-Grid--default--4 "> <div class="title aem-GridColumn aem-GridColumn--default--4"> <div id="title-5a658198d5" class="cmp-title"> <h5 class="cmp-title__text text--center colour-- h5">Find a financial adviser</h5> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-8a3bf119d2" class="cmp-text"> <p style=" text-align: center; ">Use our tool to find professional financial advice,</p> <p style=" text-align: center; ">local to you.</p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-6 "> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-cd177b4103" class="cmp-text"> <p style=" text-align: center; "><a href="https://cfs.findadviser.com.au/home.html">Search now</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--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="container" id="container-e3aa4778d5" 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--4 aem-Grid--default--4 "> <div class="title aem-GridColumn aem-GridColumn--default--4"> <div id="title-715151366b" class="cmp-title"> <h5 class="cmp-title__text text--center colour-- h5">Download mobile app</h5> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-36fcf038d6" class="cmp-text"> <p style=" text-align: center; ">Track your balance and see your  </p> <p style=" text-align: center; ">transactions history from anywhere.</p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-6 "> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-1050916f75" class="cmp-text"> <p style=" text-align: center; "><a href="https://www.cfs.com.au/personal/tools-resources/download-cfs-app-now.html">Download app</a></p> </div> </div> </div> </div> </div> </div> </div> <div class="accordion panelcontainer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" id="accordion-682347c99b" class=" Accordion Accordion--heading-alignment-left Accordion--theme-light Accordion--style-plus_right "> </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-1d5896b11c" 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--black "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="disclaimer aem-GridColumn aem-GridColumn--default--12"> <div class="Disclaimer background--" data-cmp-is="disclaimer" data-accordion="true" data-active="false"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="Disclaimer__Panel" data-cmp-hook-disclaimer="panel"> <div class="Disclaimer__PanelInner"> <div class="Disclaimer__PanelBody rte"><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. 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> </p> <p>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="https://www.cfs.com.au/personal/products/target-market-determinations.html" title="TMD" data-tracker-locationid="cfs | disclaimer1-httpswwwcfscomautmd">https://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="https://www.cfs.com.au/next/home.html" title="CFS" data-tracker-locationid="cfs | disclaimer1-wwwcfscomau">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">Read More</span> <span class="Disclaimer__ButtonLabel--less">Read Less</span> </button> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-7dfbef80e9" class="cmp-experiencefragment cmp-experiencefragment--cfs-footer"> <div id="container-b665eda0b2" 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-6227640c26" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> </div> </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> </div> </div> </div> </div> </div> </div> <div class="footer aem-GridColumn aem-GridColumn--default--12"> <footer class="Footer" data-cmp-is="footer"> <button class="Footer__Up" data-cmp-hook-footer="scrollup" aria-label="To top of page"> <i class="iconfont-arrow-up" aria-hidden="true"></i> </button> <div class="Footer__Container"> <div class="Footer__Columns"> <div class="Footer__Column" data-heading="Customers"> <nav aria-label="Customers"> <div data-cmp-is="cfsAccordion" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-dark Accordion--style-chevron_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Customers"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Customers</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <ul> <li> <a href="/content/cfs-winged/au/en/personal/super/why-choose-cfs-for-super.html"> Super </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/personal/investment/cfs-investment-funds-returns-and-performance-compared.html"> Investment </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/personal/retirement/why-cfs.html"> Retirement </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/personal/tools-resources/overview.html"> Tools and resources </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/personal/resources/funds-and-performance/member-outcomes-assessment.html"> Member Outcomes Assessment </a> </li> </ul> <ul> <li> <a href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001"> Login </a> </li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> <div class="Footer__Column" data-heading="Advisers"> <nav aria-label="Advisers"> <div data-cmp-is="cfsAccordion" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-dark Accordion--style-chevron_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Advisers"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Advisers</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <ul> <li> <a href="/content/cfs-winged/au/en/adviser/platforms.html"> Platforms </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/adviser/investments-adviser/overview.html"> Investments </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/adviser/firsttech/overview.html"> FirstTech </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/adviser/resources/business-development-manager.html"> Find a BDM </a> </li> </ul> <ul> <li> <a href="https://www.colonialfirststate.com.au/Firstnet/Login.aspx?CompanyCode=001"> Login </a> </li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> <div class="Footer__Column" data-heading="Employers"> <nav aria-label="Employers"> <div data-cmp-is="cfsAccordion" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-dark Accordion--style-chevron_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Employers"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Employers</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <ul> <li> <a href="/content/cfs-winged/au/en/employer/super.html"> Super </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/employer/guidance.html"> Support </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/employer/service-and-support/corporate-super-specialist.html"> Contact a Relationship Manager </a> </li> </ul> <ul> <li> <a href="https://www.colonialfirststate.com.au/firstnet/login.aspx?CompanyCode=001"> Login </a> </li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> <div class="Footer__Column" data-heading="About us"> <nav aria-label="About us"> <div data-cmp-is="cfsAccordion" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-dark Accordion--style-chevron_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="About us"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">About us</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <ul> <li> <a href="/content/cfs-winged/au/en/about-us/corporate-profile/our-people.html"> Our people </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/about-us/corporate-profile/careers-at-CFS.html"> Careers </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/personal/news-and-updates/latest-from-cfs.html"> News and updates </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/personal/super/usi-abn-information-for-employer.html"> USI ABN </a> </li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> <div class="Footer__Column" data-heading="Socials"> <nav aria-label="Socials"> <div data-cmp-is="cfsAccordion" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-dark Accordion--style-chevron_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Socials"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Socials</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <ul> <li> <i class="iconfont-facebook" aria-hidden="true"></i> <a href="https://www.facebook.com/ColonialFirstState/"> Facebook </a> </li> </ul> <ul> <li> <i class="iconfont-youtube" aria-hidden="true"></i> <a href="https://www.youtube.com/user/ColonialFirstState"> YouTube </a> </li> </ul> <ul> <li> <i class="iconfont-linkedIn" aria-hidden="true"></i> <a href="https://www.linkedin.com/company/colonial-first-state/"> LinkedIn </a> </li> </ul> <ul> <li> <i class="iconfont-twitter" aria-hidden="true"></i> <a href="https://twitter.com/CFS_AU"> Twitter </a> </li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> <div class="Footer__Column" data-heading="Contact Us"> <nav aria-label="Contact Us"> <div data-cmp-is="cfsAccordion" data-placeholder-text="false" class=" Accordion Accordion--heading-alignment-left Accordion--theme-dark Accordion--style-chevron_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="-header" data-title="Contact Us"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Contact Us</div> </button> <div class="Accordion__ItemPanel" id="-panel" role="region" aria-labelledby="-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <ul> <li> <i class="iconfont-phone" aria-hidden="true"></i> <a href="tel:131336"> 13 13 36 </a> </li> </ul> <ul> <li> <i class="iconfont-email" aria-hidden="true"></i> <a href="mailto:contactus@cfs.com.au"> Email </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/about-us/contact-us/complaints.html"> Complaints </a> </li> </ul> <ul> <li> <a href="/content/cfs-winged/au/en/personal/resources/faqs/superannuation.html"> FAQs </a> </li> </ul> </div> </div> </div> </div> </div> </div> </nav> </div> </div> <div class="Footer__Footer"> <div class="Footer__FooterSocial"> <a href="https://www.facebook.com/ColonialFirstState/" title="Facebook"> <i class="iconfont-facebook" aria-hidden="true"></i> </a> <a href="https://www.youtube.com/user/ColonialFirstState" title="YouTube"> <i class="iconfont-youtube" aria-hidden="true"></i> </a> <a href="https://www.linkedin.com/company/colonial-first-state/" title="LinkedIn"> <i class="iconfont-linkedIn" aria-hidden="true"></i> </a> <a href="https://twitter.com/CFS_AU" title="Twitter"> <i class="iconfont-twitter" aria-hidden="true"></i> </a> </div> <nav aria-label="Footer"> <ul> <li> <a href="https://www.cfs.com.au/about-us/terms-and-disclosure/terms-of-use.html">Terms of use</a> </li> <li> <a href="https://www.cfs.com.au/about-us/terms-and-disclosure/security.html">Security</a> </li> <li> <a href="https://www.cfs.com.au/about-us/terms-and-disclosure/privacy.html">Privacy</a> </li> <li> <a href="https://www.cfs.com.au/personal/nav-footer/website-disclaimer.html">Website Disclaimer</a> </li> </ul> </nav> <div> Copyright © 2025 all rights reserved Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 </div> </div> </div> </footer> </div> </div> </div> </div> </div> </div> </div> <script src="/etc.clientlibs/cfs-winged/clientlibs/clientlib-dependencies.lc-d41d8cd98f00b204e9800998ecf8427e-lc.min.js"></script> <script src="/etc.clientlibs/cfs-winged/clientlibs/clientlib-site.lc-47bf4c9c32f968b4c7063946eea99557-lc.min.js"></script> <script async src="/etc.clientlibs/clientlibs/granite/jquery/granite/csrf.lc-56934e461ff6c436f962a5990541a527-lc.min.js"></script> <script async src="/etc.clientlibs/core/wcm/components/commons/site/clientlibs/container.lc-0a6aff292f5cc42142779cde92054524-lc.min.js"></script> <script async src="/etc.clientlibs/core/wcm/components/accordion/v1/accordion/clientlibs/site.lc-79325bbbcfd5123ce0760bfe7144e3b4-lc.min.js"></script> <script async src="/etc.clientlibs/core/wcm/components/tabs/v1/tabs/clientlibs/site.lc-d4879c10895df177b4a4e333c1d53e2c-lc.min.js"></script> <script async src="/etc.clientlibs/core/fd/af-clientlibs/core-forms-components-runtime-all.lc-2212bb1d1b5c5426f9e8ea1a63ad35dc-lc.min.js"></script> </body> </html>

CINXE.COM

Frequently Asked Questions (FAQs)