CINXE.COM

Tools & Calculators for Superannuation and Investments

<!DOCTYPE HTML> <html lang="en"> <head> <meta charset="UTF-8"/> <title>Tools &amp; Calculators for Superannuation and Investments </title> <meta name="description" content="Check out our superannaution, investment tools and calculators to help you plan and use your money wisely."/> <meta name="template" content="content-page"/> <meta name="viewport" content="width=device-width, initial-scale=1.0"/> <meta name="pageName" content="cfs:next:personal:tools-resources:tools-calculators"/> <meta property="heading(H1)" content="Tools &amp; Calculators"/> <meta property="url" content="https://www.cfs.com.au/personal/tools-resources/tools-calculators.html"/> <meta property="canonical-url" content="https://www.cfs.com.au/personal/tools-resources/tools-calculators.html"/> <meta property="date-published" content="Fri Jun 23 03:37:08 UTC 2023"/> <meta property="date-modified" content="Mon Nov 04 04:17:55 UTC 2024"/> <meta property="publisher" content="Colonial First State"/> <meta property="logo-url" content="https://www.cfs.com.au/content/dam/cfs-winged/images/CFS-logo.svg"/> <meta property="Phone" content="13 13 36"/> <meta property="company-name" content="Colonial First State - CFS"/> <script defer="defer" type="text/javascript" src="/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js"></script> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/clientlibs/clientlib-dependencies.lc-d41d8cd98f00b204e9800998ecf8427e-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/clientlibs/clientlib-site.lc-3e581f61a1d3193f43dd06d61b5b5cfa-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/core/wcm/components/accordion/v1/accordion/clientlibs/site.lc-44a1783be8e88dc73188908af6c38c01-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/core/wcm/components/tabs/v1/tabs/clientlibs/site.lc-d54c23ba76bd8648119795790ae83779-lc.min.css" type="text/css"> <link 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> <!-- Launch Header Code --> <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"> <style name="pageStyling">@media only screen and (max-width: 992px) { .HeaderBanner.HeaderBanner--variant-large-image .HeaderBanner__ContentWrapper .HeaderBanner__Heading .hero2 { color: #000; } .HeaderBanner.HeaderBanner--variant-large-image .HeaderBanner__ContentWrapper .HeaderBanner__SubHeading .p1,.HeaderBanner.HeaderBanner--variant-large-image .HeaderBanner__ContentWrapper .HeaderBanner__SubHeading .paragraph1 { color:#000 } } </style> <script type="application/ld+json"> { "@context": "https://schema.org", "@graph": [ { "@type": "Article", "headline": "Tools &amp; Calculators", "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": "Fri Jun 23 03:37:08 UTC 2023", "dateModified": "Mon Nov 04 04:17:55 UTC 2024" } ] }</script> </head> <body class="page basicpage" id="page-d5eac3e2f6"> <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> <!-- <script src="https://unpkg.com/@lottiefiles/lottie-player@latest/dist/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-7f7525de1a" class="cmp-experiencefragment cmp-experiencefragment--customer-header"> <div id="container-b181860708" 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"> <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> <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"> <button class="Header__MenuSelectListClear"> <span class="visually-hidden">Close search</span> <svg width="24" height="25" viewBox="0 0 24 25" fill="none"> <path d="M6 18.7031L18 6.70312" stroke="black" stroke-linecap="round"/> <path d="M6 6.70312L18 18.7031" stroke="black" stroke-linecap="round"/> </svg> </button> <ul> <li> <a data-cmp-hook-header="selectOption" href="/content/cfs-winged/au/en/personal.html"> <span class="Header__SecondaryMenuLabel">Customer</span> <span class="Header__SecondaryMenuDescription">I invest or want to invest with CFS</span> </a> </li> <li> <a data-cmp-hook-header="selectOption" href="/content/cfs-winged/au/en/adviser.html"> <span class="Header__SecondaryMenuLabel">Adviser</span> <span class="Header__SecondaryMenuDescription">I invest on behalf of my clients</span> </a> </li> <li> <a data-cmp-hook-header="selectOption" href="/content/cfs-winged/au/en/employer.html"> <span class="Header__SecondaryMenuLabel">Employer</span> <span class="Header__SecondaryMenuDescription">I invest on behalf of my employees</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> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/about-us/contact-us.html">Help</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/about-us.html#fund-details">USI ABN</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/investment/start-investing/make-a-contribution.html">Make a contribution</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/find-a-form/find-a-form.html">Forms</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs/superannuation.html">Super FAQs</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html">Calculators</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/funds-and-performance.html">Funds and Performance</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="https://cfs.findadviser.com.au/home.html">Find an Adviser</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/market-insights-news.html">News and insights</a> </li> </ul> </nav> </div> <div class="aem-Grid aem-Grid--xs--12"> </div> </div> </div> </div> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus"> <!-- START second level --> <div class="Header__SubMenu" data-id="Super" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-CFS Super" href="/content/cfs-winged/au/en/personal/super/why-choose-cfs-for-super.html" class="Header__SubMenuHeading"> <span>CFS Super</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/super/low-admin-fees.html"> <span>Low fees</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/fees-and-performance.html"> <span>Compare CFS</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/super.html"> <span>Personal super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/super/types-of-super/employer-super.html"> <span>Employer super​ ​</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Understand super" href="/content/cfs-winged/au/en/super/understanding-superannuation.html" class="Header__SubMenuHeading"> <span>Understand super</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/how-much-super-should-i-have.html"> <span>How much super should I have?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/super/cost-of-super.html"> <span>Fees and costs</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Manage super​" href="/content/cfs-winged/au/en/super/manage-your-super.html" class="Header__SubMenuHeading"> <span>Manage super​</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/super/super-contributions.html"> <span>Types of contributions</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/super/first-home-super-saver.html"> <span>First home super saver</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/super/consolidate-your-super.html"> <span>Consolidate super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs/superannuation/taking-your-super-to-new-job.html"> <span>Notify employer</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" 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" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Help" href="/content/cfs-winged/au/en/about-us/contact-us.html" class="Header__SubMenuHeading"> <span>Help</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/about-us.html#fund-details"> <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> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@10b07786,au.com.cfs.winged.core.models.pojo.NavigationItem@6f42cc4b,au.com.cfs.winged.core.models.pojo.NavigationItem@b4fd79e,au.com.cfs.winged.core.models.pojo.NavigationItem@1f4cbf9e"> <sly data-sly-test=""> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src=""></img> </div> <div class="promo-tile-title"> </div> <div class="promo-tile-description"> </div> <div class="promo-tile-button"> <a class="promo-button" href=></a> </div> </div> </sly> </sly> --> </ul> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@2a27c617"> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" 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"> <!-- START second level --> <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> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/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> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/funds-and-performance.html"> <span>Funds and Performance</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/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> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/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> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/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> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@750a52f3,au.com.cfs.winged.core.models.pojo.NavigationItem@8c88eb,au.com.cfs.winged.core.models.pojo.NavigationItem@7a46772b,au.com.cfs.winged.core.models.pojo.NavigationItem@693b5192"> <sly data-sly-test=""> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src=""></img> </div> <div class="promo-tile-title"> </div> <div class="promo-tile-description"> </div> <div class="promo-tile-button"> <a class="promo-button" href=></a> </div> </div> </sly> </sly> --> </ul> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@cd3f7b6"> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" 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> </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&#39;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"> <!-- START second level --> <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> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/how-much-super-should-i-have.html"> <span>How much 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> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/retirement/account-based-pension.html"> <span>What is an account-based pension?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/retirement/transition-to-retirement.html"> <span>What is transition to retirement?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/retirement/age-pension-guide.html"> <span>Age Pension guide</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/how-to-access-super-in-retirement.html"> <span>Access super in retirement</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/products/annuities.html"> <span>What is an annuity?</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Enjoying your retirement" href="/content/cfs-winged/au/en/personal/retirement/enjoying-retirement.html" class="Header__SubMenuHeading"> <span>Enjoying your retirement</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/manage-your-pension.html"> <span>Manage your pension</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/taxation-in-retirement.html"> <span>Tax saving strategies</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/retirement/retirement-income-planning-guide.html"> <span>Income streams</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/retirement/nominate-a-beneficiary.html"> <span>Nominate a beneficiary</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@2a2e1967,au.com.cfs.winged.core.models.pojo.NavigationItem@6398cc26,au.com.cfs.winged.core.models.pojo.NavigationItem@509cb606,au.com.cfs.winged.core.models.pojo.NavigationItem@16071af2"> <sly data-sly-test=""> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src=""></img> </div> <div class="promo-tile-title"> </div> <div class="promo-tile-description"> </div> <div class="promo-tile-button"> <a class="promo-button" href=></a> </div> </div> </sly> </sly> --> </ul> <div 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&#39;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> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@4e810b8c"> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Tools &amp; Resources"> <span>Tools &amp; Resources</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="aem-Grid aem-Grid--xs--12"> <div class="aem-GridColumn aem-GridColumn--offset--xs--0 aem-GridColumn--xs--12"> <div class="Header__DrawerWrapper"> <div class="aem-Grid aem-Grid--xs--12"> </div> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--row"> <nav class="Header__DrawerMenu" aria-label="Resources"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html">Resources</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/funds-and-performance.html">Funds and Performance</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html">Calculators</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators/product-disclosure-statements.html">Product Disclosure Statements</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/market-insights-news.html">News and insights</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs.html">FAQs</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/statement-details.html">Statements</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Forms"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/personal/resources/find-a-form/find-a-form.html">Forms</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/products/products-and-update.html">Product updates</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/products/target-market-determinations.html">Target Market Determinations</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/content/cfs-winged/au/en/about-us/contact-us.html">Help</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="https://cfs.findadviser.com.au/home">Find an Adviser</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/advice-options.html">Advice options</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/personal/campaigns/appointment.html">Call us</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/content/cfs-winged/au/en/staying-safe-online.html">Staying safe online</a> </li> </ul> </nav> </div> <div class="aem-Grid aem-Grid--xs--12"> </div> </div> </div> </div> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus"> <!-- START second level --> <div class="Header__SubMenu" data-id="Tools &amp; Resources" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Resources" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html" class="Header__SubMenuHeading"> <span>Resources</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/funds-and-performance.html"> <span>Funds and Performance</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators.html"> <span>Calculators</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/tools-calculators/product-disclosure-statements.html"> <span>Product Disclosure Statements</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/market-insights-news.html"> <span>News and insights</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/resources/faqs.html"> <span>FAQs</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/statement-details.html"> <span>Statements</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Forms" href="/content/cfs-winged/au/en/personal/resources/find-a-form/find-a-form.html" class="Header__SubMenuHeading"> <span>Forms</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/products/products-and-update.html"> <span>Product updates</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/products/target-market-determinations.html"> <span>Target Market Determinations</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Help" href="/content/cfs-winged/au/en/about-us/contact-us.html" class="Header__SubMenuHeading"> <span>Help</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="https://cfs.findadviser.com.au/home"> <span>Find an Adviser</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/tools-resources/advice-options.html"> <span>Advice options</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/personal/campaigns/appointment.html"> <span>Call us</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/content/cfs-winged/au/en/staying-safe-online.html"> <span>Staying safe online</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@69e4d039,au.com.cfs.winged.core.models.pojo.NavigationItem@5cfd7785,au.com.cfs.winged.core.models.pojo.NavigationItem@72832662"> <sly data-sly-test=""> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src=""></img> </div> <div class="promo-tile-title"> </div> <div class="promo-tile-description"> </div> <div class="promo-tile-button"> <a class="promo-button" href=></a> </div> </div> </sly> </sly> --> </ul> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@4cb8cc74"> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="false"> <div class="Header__PrimaryMenuButton"> <a href="/content/cfs-winged/au/en/about-us.html" data-cmp-hook-header="megamenuOpen" data-target-id="About us"> <span>About us</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </a> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus"> <!-- START second level --> <div class="Header__SubMenu" data-id="About us" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list=""> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="false"> <div class="Header__PrimaryMenuButton"> <a href="/content/cfs-winged/au/en/join-now.html" data-cmp-hook-header="megamenuOpen" data-target-id="Join us"> <span>Join us</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </a> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus"> <!-- START second level --> <div class="Header__SubMenu" data-id="Join us" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list=""> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="false"> <div> <a href="/content/cfs-winged/au/en/personal/customer-login.html" role="button" class="Button Button--theme-black Button--type-solid color-white"> <span>Login</span> </a> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus"> <!-- START second level --> <div class="Header__SubMenu" data-id="Login" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list=""> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </div> </li> </ul> </nav> <div class="Header__SearchContainer"> <div class="Header__SearchInput"> <form action="/content/cfs-winged/au/en/personal/search-personal.html" method="GET"> <label aria-label="Search"><span class="visually-hidden">Search</span> <input type="search" name="query" placeholder="Search" data-cmp-hook-header="searchInput"/> </label> </form> </div> <div class="Header__SearchDrawer"> <h2>Suggested Search</h2> <div class="Header_SearchSuggestion"> <div class="Header__SearchDrawerSection"> <span class="Header__SearchDrawerTitle">Popular</span> <ul> <li> <a href="https://www.cfs.com.au/personal/overview/tools.html">Tools &amp; Calculators</a> </li> <li> <a href="https://www.cfs.com.au/personal/news-and-updates/market-updates.html">News and 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> <!-- <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="Header__DrawerWrapper"> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--column"> <nav class="Header__DrawerMenu" aria-label=""> <h2 class="Header__DrawerMenuHeading"></h2> <ul class="Header__DrawerMenuList" data-sly-list.loginItem=""> <li class="Header__DrawerMenuItem"> <a x-cq-linkchecker="valid" class="Header__DrawerMenuLink" href=""></a> </li> </ul> </nav> </div> </div> </div> </div> --> </li> </ul> </div> </div> </div> </div> <div class="Header__Backdrop" data-cmp-hook-header="backdrop"></div> </div> </header></div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-9a6333aef5" 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="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-101d9ba009" 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">Tools &amp; Calculators</h1> </div> </div> </div> </div> </div> </div> <div class="wrapper HeaderBanner__ImageWrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Image "> <img class="HeaderBanner__Image__Desktop " src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_stacked_stones.jpg" alt=""/> <img class="HeaderBanner__Image__Mobile" src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_monile_stacked_stones_327.jpg" alt=""/> </div> </div> </div> </div> </div> </div> </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-fd164ffc65" class="cmp-text"> <h4 style=" text-align: center; ">Our easy to use tools and calculators can help you understand your financial situation better, so you can make more informed decisions about your money.</h4> </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-preset 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-3 "> </div> </div> </div> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-aa50ec689c" data-overlap-top="65" 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-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="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="cardleft card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container horizondalLine verticalLine"> <div class="CardInfo__Content"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Calculator</span> </div> <h3 class="CardInfo__Heading h3"> Retirement Calculator </h3> <div class="CardInfo__ContentCopy"> <p>Quickly and easily estimate how much super you may have in retirement and how much you may need.</p> </div> <div class="CardInfo__Buttons"> <div class="CardInfo__Button"> <a data-tracker-locationid="Use calculator" href="https://www.cfs.com.au/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 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="cardleft card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container horizondalLine verticalLine"> <div class="CardInfo__Content"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Tool</span> </div> <h3 class="CardInfo__Heading h3"> Risk Profiler </h3> <div class="CardInfo__ContentCopy"> <p>Knowing your risk tolerance can help you make more informed investment decisions. Find out your risk profile.</p> </div> <div class="CardInfo__Buttons"> <div class="CardInfo__Button"> <a data-tracker-locationid="Learn more" href="https://www.cfs.com.au/personal/overview/risk-profiler.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="cardleft card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container horizondalLine verticalLine"> <div class="CardInfo__Content"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Tool</span> </div> <h3 class="CardInfo__Heading h3"> Funds and Performance Tool </h3> <div class="CardInfo__ContentCopy"> <p>Find information on our available funds including returns, historical performance and unit prices.</p> </div> <div class="CardInfo__Buttons"> <div class="CardInfo__Button"> <a data-tracker-locationid="Learn more" href="https://www.cfs.com.au/personal/resources/funds-and-performance.html" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Learn more </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="divider container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-972468121f" 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="divider container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-c6fe74fa7b" 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="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> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-5d51e543d4" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--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--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--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="cardleft card aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--4 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container horizondalLine verticalLine"> <div class="CardInfo__Content"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Tool</span> </div> <h3 class="CardInfo__Heading h3"> Superannuation Comparison Tool </h3> <div class="CardInfo__ContentCopy"> <p>Check how your super balance compares with others your age.</p> </div> <div class="CardInfo__Buttons"> <div class="CardInfo__Button"> <a data-tracker-locationid="Learn more" href="/content/cfs-winged/au/en/super/super-balance-comparison-calculator.html" data-theme="black" target="_blank" ref="noreferrer noopener nofollow" 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="cardleft card aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--4 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div data-cmp-is="CardInfo" class="CardInfo CardInfo--layout-vertical"> <div class="CardInfo__Container horizondalLine verticalLine"> <div class="CardInfo__Content"> <div class="CardInfo__TagContainer"> <span class="CardInfo__Tag">Tool</span> </div> <h3 class="CardInfo__Heading h3"> CFS Lifestage Tool </h3> <div class="CardInfo__ContentCopy"> <p>Find out which CFS Lifestage option is designed for you with our easy to use tool.</p> </div> <div class="CardInfo__Buttons"> <div class="CardInfo__Button"> <a data-tracker-locationid="Learn more" href="https://www.cfs.com.au/personal/resources/firstchoice-lifestage-tool.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> </div> </div> </div> </div> </div> </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-e19b8ac475" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--default--6 aem-Grid--phone--12 "> </div> </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> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-3731c2206a" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="imageandtext teaser aem-GridColumn aem-GridColumn--default--12"><div class="ImageAndText ImageAndText--position-image_right" id="imageandtext-af88176b69"> <div class="ImageAndText__Container wrapper"> <figure class="ImageAndText__Image"> <img src="/content/dam/cfs-winged/images/object-image/in_page_calculator.jpg"/> </figure> <div class="ImageAndText__Content"> <div class="ImageAndText__ContentInner rte"> <h4 class="h4"></h4> <h2 class="h2">Investing made simple</h2> <div class="p2"><p>Learn the basics of investing, build your financial knowledge and grow your portfolio.</p> </div> <div> </div> <div> <a data-tracker-locationid="Get started" href="/content/cfs-winged/au/en/personal/tools-resources/investing-made-simple.html" data-theme="black" class=" Button Button--theme-black Button--type-solid "> <span class="Button__Label"> Get started </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-57690666c0" 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="divider container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-14c6863df2" 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 "> <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-afc1beb80b" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--white "> <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-229ca2d17f" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">What’s next?</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="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-509cad00df" 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--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/meeting-160x120.png" alt="Get financial advice"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Get financial advice </span> </h3> <div class="CardPromo__ContentCopy"><p>Explore a range of quality financial advice options designed to support you at any stage of your financial journey.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;</p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn more" href="/content/cfs-winged/au/en/personal/tools-resources/advice-options.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 verticalLine"> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/insights-160x120.png" alt="Grow your super faster"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Grow your super faster </span> </h3> <div class="CardPromo__ContentCopy"><p>Learn how to boost your super savings, and how it can benefit you. </p> <p> </p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Learn more" href="/content/cfs-winged/au/en/super/super-contributions.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/performance-160x120.png" alt="How much super do I need?"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> How much super do I need? </span> </h3> <div class="CardPromo__ContentCopy"><p>Discover how much super you need to enjoy the retirement you want, and what you can do to get there.</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> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-b7a274ea32" class="cmp-experiencefragment cmp-experiencefragment--member"> <div id="container-3532c80111" 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-05b790046b" 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-00794b908f" 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-bc0a83d0a1" 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-b51731508f" 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-fc8b8bfdeb" 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-a7ee3ebe6f" 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-6ca35d4bb1" 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-0c8234cdd0" 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-f6f2c32b41" 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-0bcc60279e" 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-27354c9617" 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-55ebad5e25" 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-352e075f59" 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-ce70d51bd8" 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-d501dfcbf0" 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-be1084aa71" 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> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-08bbd8b1b0" 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">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">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-953e5c1171" class="cmp-experiencefragment cmp-experiencefragment--cfs-footer"> <div id="container-81deac25c0" 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-6ca823fbf4" 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/about-us/terms-and-disclosure/Our-usi-spin-abn.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 © 2024 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-b55a45538d52daec538c65d4d7cb9d79-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>

Pages: 1 2 3 4 5 6 7 8 9 10