Fees and performance | CFS - Australian Superannuation Fund

<!DOCTYPE HTML> <html lang="en"> <head> <meta charset="UTF-8"/> <title>Fees and performance | CFS - Australian Superannuation Fund</title> <meta name="description" content="CFS focuses on providing members with strong long-term performance, outstanding value and market-leading investment expertise."/> <meta name="template" content="article-page"/> <meta name="viewport" content="width=device-width, initial-scale=1.0"/> <meta name="pageName" content="cfs:fees-and-performance"/> <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": "Compare our performance and fees", "timeRequired":"", "image": "", "author": { "@type": "Person", "name": "" }, "publisher": { "@type": "Organization", "name": "Colonial First State", "logo": { "@type": "ImageObject", "url": "https://www.cfs.com.au/content/dam/cfs-winged/images/CFS-logo.svg" } }, "datePublished": "", "dateModified": "Thu Jan 16 00:13:38 UTC 2025" } , { "@type": "FAQPage", "mainEntity": [{ "@type": "Question", "name": "Why we keep our fees low", "acceptedAnswer": { "@type": "Answer", "text": "Keeping our fees low means you have more money in your super – giving you greater value and helping you build your retirement savings faster. FirstChoice Wholesale Personal Super has an average admin fee of just 0.2% p.a. on a super balance of $50,000, compared to the super fund average of 0.46%.^" } }] } ] } </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-3c9a6eb73f005ee154abe14b2babdcd1-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 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<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" 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="/personal/customer-login" 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="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-1071863257" 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="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="headerbanner breadcrumb aem-GridColumn aem-GridColumn--default--12"><div data-cmp-is="headerbanner" class="HeaderBanner HeaderBanner--variant-large-image HeaderBanner--alignment- HeaderBanner--has-image"> <div class="HeaderBanner__Gradient"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Breadcrumb"> <nav id="headerbanner-ec9c4f8876" class="Breadcrumb Breadcrumb--theme-dark" data-cmp-is="breadcrumb"> <div class="wrapper"> </div> </nav> </div> </div> </div> </div> <div class="HeaderBanner__Container"> <div class="HeaderBanner__Content"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class=" aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--lg--12 "> <div class="HeaderBanner__ContentWrapper"> <div class="HeaderBanner__Heading"> <h1 class="hero2">Compare our performance <br />and fees</h1> </div> <div data-cmp-hook-headerbanner="actions" class="HeaderBanner__Actions"> <a data-tracker-locationid="Join now" href="/join-now" data-theme="black" class=" Button Button--theme-black Button--type-outline "> <span class="Button__Label"> Join now </span> </a> </div> </div> </div> </div> </div> </div> <div class="wrapper HeaderBanner__ImageWrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Image "> <img 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</div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-03911c8855" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="imageandtext teaser aem-GridColumn aem-GridColumn--default--12"><div class="ImageAndText ImageAndText--position-image_right" id="imageandtext-ca4835fd5a"> <div class="ImageAndText__Container wrapper"> <figure class="ImageAndText__Image"> <img src="/content/dam/cfs-winged/images/object-image/in_page_calculator.jpg" alt="Calculator with pen and paper"/> </figure> <div class="ImageAndText__Content"> <div class="ImageAndText__ContentInner rte"> <h4 class="h4"></h4> <h2 class="h2">Why we keep our fees low</h2> <div class="p2"><p>Performance and fees go hand in hand. No-one wants their investment returns being whittled down by high administration fees and costs. That’s why our FirstChoice super products have one of the lowest admin fees in the market.</p> <p> </p> <p>FirstChoice Wholesale Personal Super has an average admin fee of just 0.2% p.a. on a super balance of $50,000, compared to the super fund average of 0.46%.^</p> <p> </p> <p>Keeping our fees low means you have more money in your super – giving you greater value and helping you build your retirement savings faster.</p> <p> </p> <p>Every fee and cost we charge is listed in our <a title="PDS" href="https://www.cfs.com.au/content/cfs-winged/au/en/personal/tools-resources/tools-calculators/product-disclosure-statements.html">Product Disclosure Statements</a></p> </div> <div> </div> <div> <a data-tracker-locationid="Learn more" href="/personal/super/low-admin-fees" data-theme="black" class=" Button Button--theme-black Button--type-solid "> <span class="Button__Label"> Learn more </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-4841cca567" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg 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--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title 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--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="title-02d8ada075" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Everyone deserves better than average.</h2> </div> </div> <div class="title 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--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="title-9577f04ef2" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Your super shouldn't be average either.</h2> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-8 "> </div> </div> <div class="textandbuttons aem-GridColumn aem-GridColumn--default--12"> <div class=" TextAndButtons TextAndButtons--alignment-center"> <div class="container"> <div class="wrapper"> <div class="TextAndButtons__Buttons"> <div class="TextAndButtons__Button"> <a data-tracker-locationid="Join now" href="/join-now" data-theme="black" class=" Button Button--theme-black Button--type-solid "> <span class="Button__Label"> Join now </span> </a> </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-92764296f3" 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="our-passion-for-performance-and-service" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Our passion for performance and service</h3> </div> </div> <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-f53e5ff80a" class="cmp-text"> <p>While we’re laser focused on providing strong long-term performance for our members, it’s equally important to us that every member has positive interactions with the CFS team and can rely on us whenever they need our help. We work hard to try and resolve complaints when raised directly with us, and this has resulted in less of our members having to escalate their complaint to the Australian Financial Complaints Authority (AFCA).</p> <p> </p> <p>CFS has some of the lowest level of member complaints raised at AFCA compared to our competitors, which demonstrates our commitment to creating positive experiences and meeting our members’ needs.</p> </div> </div> <div class="image 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 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> <picture> <source media="(max-width: 992px)" srcset="/content/dam/cfs-winged/images/member/fees-and-performance/complaints-graph-1224.png"/> <img src="/content/dam/cfs-winged/images/member/fees-and-performance/complaints-graph-1224.png" alt="Grievances to the Australian Financial Complaints Authority"/> </picture> </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 class="container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="container-de242b3591" 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--grey-4 "> <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="title-06846d3b9a" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Take a long-term view</h3> </div> </div> <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-534b2935f8" class="cmp-text"> <p>Super is a long-term investment. Depending on when you intend to retire, you might have your money invested for 20 years or more. That’s a lot of investment market cycles.<br /> </p> <p> </p> <p>When you’re comparing products and investment options, we always recommend taking a long-term view because you can’t get the full picture on short-term results alone. Take a look at how the option performed over one, three and five years – and even longer if possible. That will give you a more rounded view of the ability of the option and its investment manager to perform in various market conditions. 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class="Disclaimer__PanelInner"> <div class="Disclaimer__PanelBody rte"><p style=" text-align: left; ">*Source: Applies to a subset of options in FirstChoice Wholesale Personal Super as at 30 September 2024. Past performance is no indication of future performance. </p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">^Compares super fund average admin fees on $50,000 balance across four investment risk categories, Chant West Super Fund Fee Survey September 2024. Comparison may be affected by fee changes. FirstChoice Personal Super, issued by Avanteos Investments Limited. Consider the PDS and TMD at cfs.com.au to see if it’s right for you. </p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products. Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments. </p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">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  https://www.cfs.com.au/tmd 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. 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