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Target Market Determinations

<!DOCTYPE HTML> <html lang="en"> <head> <meta charset="UTF-8"/> <title>Target Market Determinations</title> <meta name="description" content="Target Market Determination describes a group of retail clients (the target market) for whom a product is likely to be appropriate."/> <meta name="template" content="article-page"/> <meta name="viewport" content="width=device-width, initial-scale=1.0"/> <meta name="pageName" content="cfs:personal:products:target-market-determinations"/> <script defer="defer" type="text/javascript" src="/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js"></script> <script type="application/ld+json"> { "@context": "https://schema.org", "@graph": [ { "@type": "Article", "headline": "", "timeRequired":"", "image": "", "author": { "@type": "Person", "name": "" }, "publisher": { "@type": "Organization", "name": "", "logo": { "@type": "ImageObject", "url": "" } }, "datePublished": "", "dateModified": "Fri Feb 21 00:10:18 UTC 2025" } ] } </script> <link 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href="/adviser">Adviser </a> </li> <li> <a data-cmp-hook-header="selectOption" id="Employer" data-active="false" href="/employer">Employer </a> </li> </ul> </div> </div> <nav class="Header__SecondaryMenu" aria-label="Secondary"> <ul class="Header__SecondaryMenuList"> <li class="Header__SecondaryMenuItem"> <a class="Header__SecondaryMenuLink" href="/about-us">About us</a> </li> <li class="Header__SecondaryMenuItem"> <a class="Header__SecondaryMenuLink" href="/about-us/contact-us/contact-details">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 class="selectedItem"> <a data-cmp-hook-header="selectOption" href="/home"> <span class="Menu_Title">Customer</span> <!-- <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="/adviser"> <span class="Menu_Title">Adviser</span> <!-- <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="/employer"> <span class="Menu_Title">Employer</span> <!-- <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 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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="/personal/super/why-choose-cfs-for-super">CFS Super</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/super/low-admin-fees">Low fees</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/fees-and-performance">Compare CFS</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super">Personal super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/super/types-of-super/employer-super">Employer super​ ​</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Understand super"> <a class="Header__DrawerMenuHeading" href="/super/understanding-superannuation">Understand super</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/how-much-super-should-i-have">How much super should I have?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/super/cost-of-super">Fees and costs</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Manage super​"> <a class="Header__DrawerMenuHeading" href="/super/manage-your-super">Manage super​</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/super-contributions">Types of contributions</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/first-home-super-saver">First home super saver</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/consolidate-your-super">Consolidate super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs/superannuation/taking-your-super-to-new-job">Notify employer</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/super/insurance/insurance-in-super">Insurance in super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/early-access-to-super">Early access to super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/super/how-to-claim-a-death-benefit">Claiming a death benefit</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/about-us/contact-us">Help</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/super/usi-abn-information-for-employer">USI ABN</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/investment/start-investing/make-a-contribution">Make a contribution</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/find-a-form/find-a-form">Forms</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs/superannuation">Super FAQs</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/tools-calculators">Calculators</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/funds-and-performance">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="/personal/tools-resources/market-insights-news">News and insights</a> </li> </ul> </nav> </div> 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--> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/super/low-admin-fees"> <span>Low fees</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/fees-and-performance"> <span>Compare CFS</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super"> <span>Personal super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/super/types-of-super/employer-super"> <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="/super/understanding-superannuation" 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="/retirement/how-much-super-should-i-have"> <span>How much super should I have?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/super/cost-of-super"> <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="/super/manage-your-super" 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="/super/super-contributions"> <span>Types of contributions</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/first-home-super-saver"> <span>First home super saver</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/consolidate-your-super"> <span>Consolidate super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs/superannuation/taking-your-super-to-new-job"> <span>Notify employer</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/super/insurance/insurance-in-super"> <span>Insurance in super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/early-access-to-super"> <span>Early access to super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/super/how-to-claim-a-death-benefit"> <span>Claiming a death benefit</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Help" href="/about-us/contact-us" 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="/personal/super/usi-abn-information-for-employer"> <span>USI ABN</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/investment/start-investing/make-a-contribution"> <span>Make a contribution</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/find-a-form/find-a-form"> <span>Forms</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs/superannuation"> <span>Super FAQs</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/tools-calculators"> <span>Calculators</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/funds-and-performance"> <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="/personal/tools-resources/market-insights-news"> <span>News and insights</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@24780d20,au.com.cfs.winged.core.models.pojo.NavigationItem@66a1913b,au.com.cfs.winged.core.models.pojo.NavigationItem@75b0d518,au.com.cfs.winged.core.models.pojo.NavigationItem@16188199"> <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@72422126"> <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="/personal/investment/types-of-investments/investment-choice">How we invest</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/about-us/responsible-investing">Responsible investing</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Invest with CFS​"> <a class="Header__DrawerMenuHeading" href="/personal/investment/cfs-investment-funds-returns-and-performance-compared">Invest with CFS​</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/funds-and-performance">Funds and Performance</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/investment/types-of-investments/investment-choice">Choosing the right option</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="CFS Choice"> <a class="Header__DrawerMenuHeading" href="/personal/products/investments/investments">CFS Choice</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/thrive-plus">Thrive+ sustainable growth </a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/campaigns/firstrate-cash-fund">FirstRate cash</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/about-us/contact-us">Help</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/investing-made-simple">Investing made simple</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/investment/start-investing/make-a-contribution#investment-managed">Make a contribution</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/find-a-form/find-a-form">Forms</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs/investments">Investment FAQs</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/tools-calculators">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="/personal/tools-resources/market-insights-news">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="/personal/investment/types-of-investments/investment-choice" 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="/about-us/responsible-investing"> <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="/personal/investment/cfs-investment-funds-returns-and-performance-compared" 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="/personal/funds-and-performance"> <span>Funds and Performance</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/investment/types-of-investments/investment-choice"> <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="/personal/products/investments/investments" 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="/thrive-plus"> <span>Thrive+ sustainable growth </span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/campaigns/firstrate-cash-fund"> <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="/about-us/contact-us" 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="/personal/tools-resources/investing-made-simple"> <span>Investing made simple</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/investment/start-investing/make-a-contribution#investment-managed"> <span>Make a contribution</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/find-a-form/find-a-form"> <span>Forms</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs/investments"> <span>Investment FAQs</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/tools-calculators"> <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="/personal/tools-resources/market-insights-news"> <span>News and insights</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@182ff048,au.com.cfs.winged.core.models.pojo.NavigationItem@6bc4ee40,au.com.cfs.winged.core.models.pojo.NavigationItem@3982bee8,au.com.cfs.winged.core.models.pojo.NavigationItem@270a9898"> <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@726d8f77"> <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="/personal/retirement/planning-retirement">Plan your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/how-much-super-should-i-have">How much do I need to retire?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement-calculator">Retirement calculator</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/super-balance-comparison-calculator">Super comparison tool</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/consolidate-your-super">Consolidate super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/super-contributions">Super boosting strategies</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs#retirement">Retirement FAQs</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Entering your retirement"> <a class="Header__DrawerMenuHeading" href="/personal/retirement/entering-retirement">Entering your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/account-based-pension">What is an account-based pension?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/transition-to-retirement">What is transition to retirement?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/age-pension-guide">Age Pension guide</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/how-to-access-super-in-retirement">Access super in retirement</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/products/annuities">What is an annuity?</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Enjoying your retirement"> <a class="Header__DrawerMenuHeading" href="/personal/retirement/enjoying-retirement">Enjoying your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/manage-your-pension">Manage your pension</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/taxation-in-retirement">Tax saving strategies</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/retirement-income-planning-guide">Income streams</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/nominate-a-beneficiary">Nominate a beneficiary</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/understanding-aged-care">Ageing care support</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Explore retirement"> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src="/content/dam/cfs-winged/images/retirement-hub/promo/explore-retirement-264x130.png"/></img> </div> <div class="promo-tile-title"> Explore retirement </div> <div class="promo-tile-description"> We&#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="/personal/retirement">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="/personal/retirement/planning-retirement" 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="/retirement/how-much-super-should-i-have"> <span>How much do I need to retire?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement-calculator"> <span>Retirement calculator</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/super-balance-comparison-calculator"> <span>Super comparison tool</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/consolidate-your-super"> <span>Consolidate super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/super-contributions"> <span>Super boosting strategies</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs#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="/personal/retirement/entering-retirement" 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="/personal/retirement/account-based-pension"> <span>What is an account-based pension?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/retirement/transition-to-retirement"> <span>What is transition to retirement?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/retirement/age-pension-guide"> <span>Age Pension guide</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/how-to-access-super-in-retirement"> <span>Access super in retirement</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/products/annuities"> <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="/personal/retirement/enjoying-retirement" 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="/retirement/manage-your-pension"> <span>Manage your pension</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/taxation-in-retirement"> <span>Tax saving strategies</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/retirement/retirement-income-planning-guide"> <span>Income streams</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/nominate-a-beneficiary"> <span>Nominate a beneficiary</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/understanding-aged-care"> <span>Ageing care support</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@cbac127,au.com.cfs.winged.core.models.pojo.NavigationItem@20e34ba6,au.com.cfs.winged.core.models.pojo.NavigationItem@53ded97a,au.com.cfs.winged.core.models.pojo.NavigationItem@17569619"> <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="/personal/retirement">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@40409181"> <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="/personal/tools-resources/tools-calculators">Resources</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/funds-and-performance">Funds and Performance</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/tools-calculators">Calculators</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/tools-calculators/product-disclosure-statements">Product Disclosure Statements</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/market-insights-news">News and insights</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs">FAQs</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/statement-details">Statements</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Forms"> <a class="Header__DrawerMenuHeading" href="/personal/resources/find-a-form/find-a-form">Forms</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/products/products-and-update">Product updates</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/products/target-market-determinations">Target Market Determinations</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/about-us/contact-us">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="/personal/tools-resources/advice-options">Advice options</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/campaigns/appointment">Call us</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/staying-safe-online">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="/personal/tools-resources/tools-calculators" 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="/personal/funds-and-performance"> <span>Funds and Performance</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/tools-calculators"> <span>Calculators</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/tools-calculators/product-disclosure-statements"> <span>Product Disclosure Statements</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/market-insights-news"> <span>News and insights</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs"> <span>FAQs</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/statement-details"> <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="/personal/resources/find-a-form/find-a-form" 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="/personal/products/products-and-update"> <span>Product updates</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/products/target-market-determinations"> <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="/about-us/contact-us" 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="/personal/tools-resources/advice-options"> <span>Advice options</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/campaigns/appointment"> <span>Call us</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/staying-safe-online"> <span>Staying safe online</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@77bb0257,au.com.cfs.winged.core.models.pojo.NavigationItem@528b10d3,au.com.cfs.winged.core.models.pojo.NavigationItem@714ea2c5"> <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@4d3fce2d"> <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="/about-us" 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="/join-now" 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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" role="button" class="Button Button--theme-white Button--type-solid"> <span class="Button__Label"> Join now </span> </a> </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="false"> <div class="Header__PrimaryMenuButton"> <a href="/personal/customer-login" role="button" data-cmp-hook-header="megamenuOpen" data-target-id="Login" class="Button Button--theme-black Button--type-solid"> <span>Login</span> </a> </div> <!-- <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="Header__DrawerWrapper"> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--column"> <nav class="Header__DrawerMenu" aria-label=""> <h2 class="Header__DrawerMenuHeading"></h2> <ul class="Header__DrawerMenuList" data-sly-list.loginItem=""> <li class="Header__DrawerMenuItem"> <a x-cq-linkchecker="valid" class="Header__DrawerMenuLink" href=""></a> </li> </ul> </nav> </div> </div> </div> </div> --> </li> </ul> </div> </div> </div> </div> <div class="Header__Backdrop" data-cmp-hook-header="backdrop"></div> </div> </header></div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="headerbanner breadcrumb aem-GridColumn aem-GridColumn--default--12"><div data-cmp-is="headerbanner" class="HeaderBanner HeaderBanner--variant-large-image HeaderBanner--alignment- HeaderBanner--has-image"> <div class="HeaderBanner__Gradient"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Breadcrumb"> <nav id="headerbanner-ce8d3cc4d1" class="Breadcrumb Breadcrumb--theme-light" data-cmp-is="breadcrumb"> <div class="wrapper"> </div> </nav> </div> </div> </div> </div> <div class="HeaderBanner__Container"> <div class="HeaderBanner__Content"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class=" aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--lg--12 "> <div class="HeaderBanner__ContentWrapper"> <div class="HeaderBanner__Heading"> <h1 class="hero2">Target Market Determinations</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_lighthouse.jpg" alt=""/> <img class="HeaderBanner__Image__Mobile" src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_mobile_lighthouse_327.jpg" alt=""/> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="container-0c2fbcdb64" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-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="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--1 aem-GridColumn--offset--default--1"> <div id="title-84061272b2" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">What&#39;s a Target Market Determination?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--1 aem-GridColumn--offset--default--1"> <div id="text-82a5a17036" class="cmp-text"> <p>A Target Market Determination is a document which describes a group of retail clients (the target market) for whom a product is likely to be appropriate or consistent with their likely objectives, financial situation and needs, plus any conditions around how the product can be distributed.<br /> </p> <p> </p> <p>It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.</p> </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-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--1"> <div data-cmp-is="container" id="divider-c69d01a04a" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--10 aem-Grid--default--10 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10"> <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="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-11 "> </div> </div> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--1 aem-GridColumn--offset--default--1"> <div id="title-ef13439562" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Target Market Determinations - Super, Pension and IDPS Products</h3> </div> </div> <div class="cardlist aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--1"> <div class="CardList" data-cmp-is="cardList"> <ul> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/super-pension-and-idps-products/firstchoice-wholesale-personal-super.pdf" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> FirstChoice Wholesale Personal Super <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/super-pension-and-idps-products/firstchoice-employer-super.pdf" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> FirstChoice Employer Super <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/super-pension-and-idps-products/firstchoice-wholesale-pension.pdf" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> FirstChoice Wholesale Pension <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/super-pension-and-idps-products/CFS-Edge-Super.pdf" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> CFS Edge Super <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/super-pension-and-idps-products/CFS-Edge-Pension.pdf" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> CFS Edge Pension <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/super-pension-and-idps-products/CFS-Edge-Investments.pdf" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> CFS Edge Investments <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/super-pension-and-idps-products/FirstWrap-Plus-Personal-Super.pdf" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> FirstWrap Plus Super <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/super-pension-and-idps-products/FirstWrap-Plus-Pension-and-FirstWrap-Plus-Term-Pension.pdf" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> FirstWrap Plus Pension <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/super-pension-and-idps-products/FirstWrap-Plus-Investments.pdf" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> FirstWrap Plus Investments <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/super-pension-and-idps-products/Commonwealth-Essential-Super.pdf" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> Essential Super <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> </ul> </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-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--1"> <div data-cmp-is="container" id="divider-26952adfb8" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--10 aem-Grid--default--10 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10"> <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="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-11 "> </div> </div> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--1 aem-GridColumn--offset--default--1"> <div id="title-ef40c9a042" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Target Market Determinations - Managed Investment Schemes</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--1 aem-GridColumn--offset--default--1"> <div id="text-e5192d45b2" class="cmp-text"> <p>For definitions related to the content within the following Target Market Determinations, please review <a href="https://www.cfs.com.au/content/dam/prospects/fs/7/7/fs7791.pdf" target="_blank" data-tracker-locationid="cfs | text2-cfstext2thisinformation" rel="noopener noreferrer">this information</a>. <br /> </p> </div> </div> <div class="accordion panelcontainer aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--1"> <div data-cmp-is="cfsAccordion" data-deeplinking="true" data-placeholder-text="false" id="accordion-96d11e9dcb" class=" Accordion Accordion--heading-alignment-center Accordion--theme-light Accordion--style-plus_right "> <div class="Accordion__ItemList"> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-96d11e9dcb-item-d49876e7e4-header" data-title="FirstChoice Wholesale Investments"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">FirstChoice Wholesale Investments</div> </button> <div class="Accordion__ItemPanel" id="accordion-96d11e9dcb-item-d49876e7e4-panel" role="region" aria-labelledby="accordion-96d11e9dcb-item-d49876e7e4-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div id="text-d49876e7e4" class="cmp-text"> <p><b>Product name</b></p> <ul><li><a data-tracker-locationid="cfs | text1-abmanagedvolatilityequities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/ab-managed-volatility-equities-fcwi.pdf" target="_blank" rel="noopener noreferrer">AB Managed Volatility Equities</a></li><li><a data-tracker-locationid="cfs | text1-acadianaustralianequitylongshort" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/acadian-australian-equity-long-short-fcwi.pdf" target="_blank" rel="noopener noreferrer">Acadian Australian Equity Long Short</a></li><li><a data-tracker-locationid="cfs | text1-acadiancoreaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/acadian-core-australian-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Acadian Core Australian Equity</a></li><li><a data-tracker-locationid="cfs | text1-acadiandefensiveincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/acadian-defensive-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Acadian Defensive Income</a></li><li><a data-tracker-locationid="cfs | text1-acadiangearedcoreaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/acadian-geared-core-australian-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Acadian Geared Core Australian Equity</a></li><li><a data-tracker-locationid="cfs | text1-acadiangearedglobalequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/acadian-geared-global-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Acadian Geared Global Equity</a></li><li><a data-tracker-locationid="cfs | text1-acadianglobalequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/acadian-global-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Acadian Global Equity</a></li><li><a data-tracker-locationid="cfs | text1-acadianglobalequitylongshort" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/acadian-global-equity-long-short-fcwi.pdf" target="_blank" rel="noopener noreferrer">Acadian Global Equity Long Short</a></li><li><a data-tracker-locationid="cfs | text1-cfstext1acadianglobalmanagedvolatilityequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/acadian-global-managed-volatility-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Acadian Global Managed Volatility Equity</a></li><li><a data-tracker-locationid="cfs | text1-aikyaemergingmarketopportunities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/aikya-emerging-market-opportunities-fcwi.pdf" target="_blank" rel="noopener noreferrer">Aikya Emerging Market Opportunities</a></li><li><a data-tracker-locationid="cfs | text1-airlieaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/airlie-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Airlie Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-alphinitysustainableshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/alphinity-sustainable-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Alphinity Sustainable Share</a></li><li><a data-tracker-locationid="cfs | text1-antaresex20australianequities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/antares-ex-20-australian-equities-fcwi.pdf" target="_blank" rel="noopener noreferrer">Antares ex-20 Australian Equities</a></li><li><a data-tracker-locationid="cfs | text1-antipodesglobal" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/antipodes-global-fcwi.pdf" target="_blank" rel="noopener noreferrer">Antipodes Global</a></li><li><a data-tracker-locationid="cfs | text1-aspectabsolutereturn" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/aspect-absolute-return-fcwi.pdf" target="_blank" rel="noopener noreferrer">Aspect Absolute Return</a></li><li><a data-tracker-locationid="cfs | text1-aspectdiversifiedfutures" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/aspect-diversified-futures-fcwi.pdf" target="_blank" rel="noopener noreferrer">Aspect Diversified Futures</a></li><li><a data-tracker-locationid="cfs | text1-ausbilactivesustainableequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/ausbil-active-sustainable-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Ausbil Active Sustainable Equity</a></li><li><a data-tracker-locationid="cfs | text1-ausbilaustralianactiveequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/ausbil-australian-active-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Ausbil Australian Active Equity</a></li><li><a data-tracker-locationid="cfs | text1-" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/ausbil-australian-emerging-leaders-fcwi.pdf" target="_blank" rel="noopener noreferrer">Ausbil Australian Emerging Leaders</a></li><li><a data-tracker-locationid="cfs | text1-azsestanteconservative" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/az-sestante-conservative-fcwi.pdf" target="_blank" rel="noopener noreferrer">AZ Sestante Conservative</a></li><li><a data-tracker-locationid="cfs | text1-azsestantediversified" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/az-sestante-diversified-fcwi.pdf" target="_blank" rel="noopener noreferrer">AZ Sestante Diversified</a></li><li><a data-tracker-locationid="cfs | text1-azsestantegrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/az-sestante-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">AZ Sestante Growth</a></li><li><a data-tracker-locationid="cfs | text1-bailliegiffordlongtermglobalgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/baillie-gifford-long-term-global-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">Baillie Gifford Long Term Global Growth</a></li><li><a data-tracker-locationid="cfs | text1-bailliegiffordsustainablegrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/baillie-gifford-sustainable-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">Baillie Gifford Sustainable Growth</a></li><li><a data-tracker-locationid="cfs | text1-barrowhanleyconcentratedglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/barrow-hanley-concentrated-global-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Barrow Hanley Concentrated Global Share</a></li><li><a data-tracker-locationid="cfs | text1-barrowhanleyglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/barrow-hanley-global-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Barrow Hanley Global Share</a></li><li><a data-tracker-locationid="cfs | text1-bellglobalemergingcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/bell-global-emerging-companies-fcwi.pdf" target="_blank" rel="noopener noreferrer">Bell Global Emerging Companies</a></li><li><a data-tracker-locationid="cfs | text1-bennelongex20australianequities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/bennelong-ex-20-australian-equities-fcwi.pdf" target="_blank" rel="noopener noreferrer">Bennelong ex-20 Australian Equities</a></li><li><a data-tracker-locationid="cfs | text1-benthamglobalincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/bentham-global-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Bentham Global Income</a></li><li><a data-tracker-locationid="cfs | text1-blackrockgloballiquidalternatives" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/blackrock-global-liquid-alternatives-fcwi.pdf" target="_blank" rel="noopener noreferrer">BlackRock Global Liquid Alternatives</a></li><li><a data-tracker-locationid="cfs | text1-brandywineglobalincomeoptimiser" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/brandywine-global-income-optimiser-fcwi.pdf" target="_blank" rel="noopener noreferrer">Brandywine Global Income Optimiser</a></li><li><a data-tracker-locationid="cfs | text1-capitalgroupnewperspective" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/capital-group-new-perspective-fcwi.pdf" target="_blank" rel="noopener noreferrer">Capital Group New Perspective</a></li><li><a data-tracker-locationid="cfs | text1-capitalgroupnewperspectivehedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/capital-group-new-perspective-hedged-fcwi.pdf" target="_blank" rel="noopener noreferrer">Capital Group New Perspective – Hedged</a></li><li><a data-tracker-locationid="cfs | text1-celesteaustraliansmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/celeste-australian-small-companies-fcwi.pdf" target="_blank" rel="noopener noreferrer">Celeste Australian Small Companies</a></li><li><a data-tracker-locationid="cfs | text1-cfsaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-cfsaustraliansmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-australian-small-companies-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Australian Small Companies</a></li><li><a data-tracker-locationid="cfs | text1-cfsbalanced" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-balanced-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Balanced</a></li><li><a data-tracker-locationid="cfs | text1-cfsconservative" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-conservative-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Conservative</a></li><li><a data-tracker-locationid="cfs | text1-cfsdefensive" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-defensive-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Defensive</a></li><li><a data-tracker-locationid="cfs | text1-cfsdiversified" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-diversified-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Diversified</a></li><li><a data-tracker-locationid="cfs | text1-cfsemergingmarkets" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-emerging-markets-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Emerging Markets</a></li><li><a data-tracker-locationid="cfs | text1-cfsenhancedcash" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-enhanced-cash-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Cash</a></li><li><a data-tracker-locationid="cfs | text1-cfsetfexposureseriesallworldexusshares" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-etf-exposure-series-all-world-ex-us-shares-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS ETF Exposure Series: All-World ex-US Shares </a></li><li><a data-tracker-locationid="cfs | text1-cfsetfexposureseriesphysicalgold" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-etf-exposure-series-physical-gold-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS ETF Exposure Series: Physical Gold</a></li><li><a data-tracker-locationid="cfs | text1-cfsetfexposureseriesusshares" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-etf-exposure-series-us-shares-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS ETF Exposure Series: US Shares</a></li><li><a data-tracker-locationid="cfs | text1-cfsetfexposureseriesustreasurybills" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-etf-exposure-series-us-treasury-bills-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS ETF Exposure Series: US Treasury Bills</a></li><li><a data-tracker-locationid="cfs | text1-cfsenhancedindexbalanced" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-enhanced-index-balanced-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Balanced</a></li><li><a data-tracker-locationid="cfs | text1-cfsenhancedindexconservative" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-enhanced-index-conservative-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Conservative</a></li><li><a data-tracker-locationid="cfs | text1-cfsenhancedindexdiversified" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-enhanced-index-diversified-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Diversified</a></li><li><a data-tracker-locationid="cfs | text1-cfsenhancedindexgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-enhanced-index-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Growth</a></li><li><a data-tracker-locationid="cfs | text1-cfsenhancedindexhighgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-enhanced-index-high-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index High Growth</a></li><li><a data-tracker-locationid="cfs | text1-cfsenhancedindexmoderate" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-enhanced-index-moderate-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Moderate</a></li><li><a data-tracker-locationid="cfs | text1-cfsfixedinterest" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-fixed-interest-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Fixed Interest</a></li><li><a data-tracker-locationid="cfs | text1-cfsgearedaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-geared-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Geared Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-cfsgearedglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-geared-global-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Geared Global Share</a></li><li><a data-tracker-locationid="cfs | text1-cfsgearedgrowthplus" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-geared-growth-plus-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Geared Growth Plus</a></li><li><a data-tracker-locationid="cfs | text1-cfsgearedindexaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-geared-index-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Geared Index Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-cfsgearedindexglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-geared-index-global-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Geared Index Global Share</a></li><li><a data-tracker-locationid="cfs | text1-cfsgearedshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-geared-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Geared Share</a></li><li><a data-tracker-locationid="cfs | text1-cfsglobalinfrastructuresecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-global-infrastructure-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Global Infrastructure Securities</a></li><li><a data-tracker-locationid="cfs | text1-cfsglobalpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-global-property-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Global Property Securities</a></li><li><a data-tracker-locationid="cfs | text1-cfsglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-global-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Global Share</a></li><li><a data-tracker-locationid="cfs | text1-cfsglobalsharehedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-global-share-hedged-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Global Share – Hedged</a></li><li><a data-tracker-locationid="cfs | text1-cfsgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Growth</a></li><li><a data-tracker-locationid="cfs | text1-cfshighgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-high-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS High Growth</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexaustralianbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-australian-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Australian Bond</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexbalanced" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-balanced-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Balanced</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexconservative" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-conservative-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Conservative</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexdiversified" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-diversified-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Diversified</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexglobalbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-global-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Bond</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexgloballistedinfrastructuresecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-global-listed-infrastructure-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Listed Infrastructure Securities</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexglobalpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-global-property-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Property Securities</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-global-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Share</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexglobalsharehedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-global-share-hedged-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Share – Hedged</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Growth</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexhighgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-high-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index High Growth</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexmoderate" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-moderate-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Moderate</a></li><li><a data-tracker-locationid="cfs | text1-cfsindexpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-index-property-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Index Property Securities</a></li><li><a data-tracker-locationid="cfs | text1-cfsmoderate" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-moderate-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Moderate</a></li><li><a data-tracker-locationid="cfs | text1-cfspropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-property-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Property Securities</a></li><li><a data-tracker-locationid="cfs | text1-cfsrealreturn" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-real-return-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Real Return</a></li><li><a data-tracker-locationid="cfs | text1-cfstext1cfsselectbalanced" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-select-balanced-fcwi.pdf" target="_blank" title="CFS Select Balanced" rel="noopener noreferrer">CFS Select Balanced</a></li><li><a data-tracker-locationid="cfs | text1-cfstext1cfsselectconservative" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-select-conservative-fcwi.pdf" target="_blank" title="CFS Select Conservative" rel="noopener noreferrer">CFS Select Conservative</a></li><li><a data-tracker-locationid="cfs | text1-cfstext1cfsselectdiversified" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-select-diversified-fcwi.pdf" target="_blank" title="CFS Select Diversified" rel="noopener noreferrer">CFS Select Diversified</a></li><li><a title="CFS Select High Growth" data-tracker-locationid="cfs | text1-cfsselecthighgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-select-high-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Select High Growth</a></li><li><a data-tracker-locationid="cfs | text1-cfsthrivesustainablegrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-thrive-sustainable-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS Thrive&#43; Sustainable Growth</a></li><li><a data-tracker-locationid="cfs | text1-cfswellingtonglobalhealthbiotechnology" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-wellington-global-health-biotechnology-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS – Wellington Global Health &amp; Biotechnology</a></li><li><a data-tracker-locationid="cfs | text1-cfswellingtonglobalsmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-wellington-global-small-companies-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS – Wellington Global Small Companies</a></li><li><a data-tracker-locationid="cfs | text1-cfswellingtonglobaltechnologycommunications" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cfs-wellington-global-technology-communications-fcwi.pdf" target="_blank" rel="noopener noreferrer">CFS – Wellington Global Technology &amp; Communications</a></li><li><a data-tracker-locationid="cfs | text1-clearbridgerareinfrastructurevalue" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/clearbridge-rare-infrastructure-value-fcwi.pdf" target="_blank" rel="noopener noreferrer">ClearBridge RARE Infrastructure Value</a></li><li><a data-tracker-locationid="cfs | text1-cfstext1cohensteersgloballistedinfrastructure" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/cohen-and-steers-global-listed-infrastructure-fcwi.pdf" target="_blank" rel="noopener noreferrer">Cohen &amp; Steers Global Listed Infrastructure</a></li><li><a data-tracker-locationid="cfs | text1-colchesteremergingmarketbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/colchester-emerging-market-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">Colchester Emerging Market Bond</a></li><li><a data-tracker-locationid="cfs | text1-colchesterglobalgovernmentbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/colchester-global-government-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">Colchester Global Government Bond</a></li><li><a data-tracker-locationid="cfs | text1-contextcapitallongterm" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/context-capital-long-term-fcwi.pdf" target="_blank" rel="noopener noreferrer">Context Capital Long Term</a></li><li><a data-tracker-locationid="cfs | text1-contextcapitalmediumterm" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/context-capital-medium-term-fcwi.pdf" target="_blank" rel="noopener noreferrer">Context Capital Medium Term</a></li><li><a data-tracker-locationid="cfs | text1-contextcapitalshortterm" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/context-capital-short-term-fcwi.pdf" target="_blank" rel="noopener noreferrer">Context Capital Short Term</a></li><li><a data-tracker-locationid="cfs | text1-daintreecoreincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/daintree-core-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Daintree Core Income</a></li><li><a data-tracker-locationid="cfs | text1-dexusareit" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/dexus-areit-fcwi.pdf" target="_blank" rel="noopener noreferrer">Dexus AREIT</a></li><li><a data-tracker-locationid="cfs | text1-dnrcapitalaustralianequitieshighconviction" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/dnr-capital-australian-equities-high-conviction-fcwi.pdf" target="_blank" rel="noopener noreferrer">DNR Capital Australian Equities High Conviction</a></li><li><a data-tracker-locationid="cfs | text1-dnrcapitalaustralianequitiesincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/dnr-capital-australian-equities-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">DNR Capital Australian Equities Income</a></li><li><a data-tracker-locationid="cfs | text1-drummonddynamicplus" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/drummond-dynamic-plus-fcwi.pdf" target="_blank" rel="noopener noreferrer">Drummond Dynamic Plus</a></li><li><a data-tracker-locationid="cfs | text1-eigeraustraliansmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/eiger-australian-small-companies-fcwi.pdf" target="_blank" rel="noopener noreferrer">Eiger Australian Small Companies</a></li><li><a data-tracker-locationid="cfs | text1-epochglobalequityshareholderyield" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/epoch-global-equity-shareholder-yield-fcwi.pdf" target="_blank" rel="noopener noreferrer">Epoch Global Equity Shareholder Yield</a></li><li><a data-tracker-locationid="cfs | text1-evidentialongterm" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/evidentia-long-term-fcwi.pdf" target="_blank" rel="noopener noreferrer">Evidentia Long Term</a></li><li><a data-tracker-locationid="cfs | text1-evidentiamediumterm" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/evidentia-medium-term-fcwi.pdf" target="_blank" rel="noopener noreferrer">Evidentia Medium Term</a></li><li><a data-tracker-locationid="cfs | text1-fidelityasia" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/fidelity-asia-fcwi.pdf" target="_blank" rel="noopener noreferrer">Fidelity Asia</a></li><li><a data-tracker-locationid="cfs | text1-fidelityaustralianequities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/fidelity-australian-equities-fcwi.pdf" target="_blank" rel="noopener noreferrer">Fidelity Australian Equities</a></li><li><a data-tracker-locationid="cfs | text1-firstsentieraustraliansmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/first-sentier-australian-small-companies-fcwi.pdf" target="_blank" rel="noopener noreferrer">First Sentier Australian Small Companies    </a></li><li><a data-tracker-locationid="cfs | text1-firstsentierconcentratedaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/first-sentier-concentrated-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">First Sentier Concentrated Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-firstsentiergearedglobalpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/first-sentier-geared-global-property-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">First Sentier Geared Global Property Securities</a></li><li><a data-tracker-locationid="cfs | text1-firstsentierglobalpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/first-sentier-global-property-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">First Sentier Global Property Securities</a></li><li><a data-tracker-locationid="cfs | text1-firstsentierimputation" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/first-sentier-imputation-fcwi.pdf" target="_blank" rel="noopener noreferrer">First Sentier Imputation</a></li><li><a data-tracker-locationid="cfs | text1-firstsentierpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/first-sentier-property-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">First Sentier Property Securities</a></li><li><a data-tracker-locationid="cfs | text1-firstsentierstrategiccash" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/first-sentier-strategic-cash-fcwi.pdf" target="_blank" rel="noopener noreferrer">First Sentier Strategic Cash</a></li><li><a data-tracker-locationid="cfs | text1-firstratecash" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/firstrate-cash-fcwi.pdf" target="_blank" rel="noopener noreferrer">FirstRate Cash</a></li><li><a data-tracker-locationid="cfs | text1-firstratecashnonautorebalancing" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/firstrate-cash-non-auto-rebalancing-fcwi.pdf" target="_blank" rel="noopener noreferrer">FirstRate Cash Non-Auto-rebalancing</a></li><li><a data-tracker-locationid="cfs | text1-fortlakerealincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/fortlake-real-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Fortlake Real Income</a></li><li><a data-tracker-locationid="cfs | text1-franklinaustralianabsolutereturnbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/franklin-australian-absolute-return-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">Franklin Australian Absolute Return Bond</a></li><li><a data-tracker-locationid="cfs | text1-generationglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/generation-global-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Generation Global Share</a></li><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/generation-global-share-hedged-fcwi.pdf" target="_blank" data-tracker-locationid="cfs | text1-generationglobalsharehedged" rel="noopener noreferrer">Generation Global Share – Hedged</a></li><li><a data-tracker-locationid="cfs | text1-gqgpartnersglobalequityhedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/gqg-partners-global-equity-hedged-fcwi.pdf" target="_blank" rel="noopener noreferrer">GQG Partners Global Equity – Hedged</a></li><li><a data-tracker-locationid="cfs | text1-gqgpartnersglobalequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/gqg-partners-global-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">GQG Partners Global Equity</a></li><li><a data-tracker-locationid="cfs | text1-" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/hyperion-global-growth-companies-fcwi.pdf" target="_blank" rel="noopener noreferrer">Hyperion Global Growth Companies</a></li><li><a data-tracker-locationid="cfs | text1-infinitycoreaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/infinity-core-australian-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Infinity Core Australian Equity</a></li><li><a data-tracker-locationid="cfs | text1-infinitysmidaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/infinity-smid-australian-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Infinity SMID Australian Equity</a></li><li><a data-tracker-locationid="cfs | text1-intermedeglobalequities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/intermede-global-equities-fcwi.pdf" target="_blank" rel="noopener noreferrer">Intermede Global Equities</a></li><li><a data-tracker-locationid="cfs | text1-investorsmutualaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/investors-mutual-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Investors Mutual Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-investorsmutualfutureleaders" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/investors-mutual-future-leaders-fcwi.pdf" target="_blank" rel="noopener noreferrer">Investors Mutual Future Leaders</a></li><li><a data-tracker-locationid="cfs | text1-ironbarkpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/ironbark-property-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">Ironbark Property Securities</a></li><li><a data-tracker-locationid="cfs | text1-janushendersondiversifiedcredit" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/janus-henderson-diversified-credit-fcwi.pdf" target="_blank" rel="noopener noreferrer">Janus Henderson Diversified Credit</a></li><li><a data-tracker-locationid="cfs | text1-janushendersonglobalnaturalresources" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/janus-henderson-global-natural-resources-fcwi.pdf" target="_blank" rel="noopener noreferrer">Janus Henderson Global Natural Resources</a></li><li><a data-tracker-locationid="cfs | text1-janushendersontacticalincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/janus-henderson-tactical-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Janus Henderson Tactical Income</a></li><li><a data-tracker-locationid="cfs | text1-kapstreamabsolutereturnincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/kapstream-absolute-return-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Kapstream Absolute Return Income</a></li><li><a data-tracker-locationid="cfs | text1-l1capitalcatalyst" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/l1-capital-catalyst-fcwi.pdf" target="_blank" rel="noopener noreferrer">L1 Capital Catalyst</a></li><li><a data-tracker-locationid="cfs | text1-lazardselectaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/lazard-select-australian-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Lazard Select Australian Equity</a></li><li><a data-tracker-locationid="cfs | text1-longwaveaustraliansmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/longwave-australian-small-companies-fcwi.pdf" target="_blank" rel="noopener noreferrer">Longwave Australian Small Companies</a></li><li><a data-tracker-locationid="cfs | text1-macquarieaustralianfixedinterest" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/macquarie-australian-fixed-interest-fcwi.pdf" target="_blank" rel="noopener noreferrer">Macquarie Australian Fixed Interest</a></li><li><a data-tracker-locationid="cfs | text1-macquariedynamicbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/macquarie-dynamic-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">Macquarie Dynamic Bond</a></li><li><a data-tracker-locationid="cfs | text1-macquariegloballistedrealestate" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/macquarie-global-listed-real-estate-fcwi.pdf" target="_blank" rel="noopener noreferrer">Macquarie Global Listed Real Estate</a></li><li><a data-tracker-locationid="cfs | text1-macquarieincomeopportunities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/macquarie-income-opportunities-fcwi.pdf" target="_blank" rel="noopener noreferrer">Macquarie Income Opportunities</a></li><li><a data-tracker-locationid="cfs | text1-magellanglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/magellan-global-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Magellan Global Share</a></li><li><a data-tracker-locationid="cfs | text1-magellanglobalsharehedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/magellan-global-share-hedged-fcwi.pdf" target="_blank" rel="noopener noreferrer">Magellan Global Share – Hedged</a></li><li><a data-tracker-locationid="cfs | text1-magellaninfrastructure" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/magellan-infrastructure-fcwi.pdf" target="_blank" rel="noopener noreferrer">Magellan Infrastructure</a></li><li><a data-tracker-locationid="cfs | text1-martincurrieaustraliaequityincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/martin-currie-australia-equity-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Martin Currie Australia Equity Income</a></li><li><a data-tracker-locationid="cfs | text1-martincurrierealincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/martin-currie-real-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Martin Currie Real Income</a></li><li><a data-tracker-locationid="cfs | text1-merlonaustralianshareincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/merlon-australian-share-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Merlon Australian Share Income</a></li><li><a data-tracker-locationid="cfs | text1-metlifeglobalimpactbondfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/metlife-global-impact-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">Metlife Global Impact Bond Fund</a></li><li><a data-tracker-locationid="cfs | text1-mfsglobalequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/mfs-global-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">MFS Global Equity</a></li><li><a data-tracker-locationid="cfs | text1-mutualincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/mutual-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Mutual Income</a></li><li><a data-tracker-locationid="cfs | text1-nanuknewworld" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/nanuk-new-world-fcwi.pdf" target="_blank" rel="noopener noreferrer">Nanuk New World</a></li><li><a data-tracker-locationid="cfs | text1-ocpremiumsmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/oc-premium-small-companies-fcwi.pdf" target="_blank" rel="noopener noreferrer">OC Premium Small Companies</a></li><li><a data-tracker-locationid="cfs | text1-pendalaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pendal-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Pendal Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-pendalglobalemergingmarketopportunities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pendal-global-emerging-market-opportunities-fcwi.pdf" target="_blank" rel="noopener noreferrer">Pendal Global Emerging Market Opportunities</a></li><li><a data-tracker-locationid="cfs | text1-pendalglobalselect" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pendal-global-select-fcwi.pdf" target="_blank" rel="noopener noreferrer">Pendal Global Select</a></li><li><a data-tracker-locationid="cfs | text1-pendalmonthlyincomeplus" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pendal-monthly-income-plus-fcwi.pdf" target="_blank" rel="noopener noreferrer">Pendal Monthly Income Plus</a></li><li><a data-tracker-locationid="cfs | text1-pendalpropertyinvestment" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pendal-property-investment-fcwi.pdf" target="_blank" rel="noopener noreferrer">Pendal Property Investment</a></li><li><a data-tracker-locationid="cfs | text1-pendalsustainableaustralianfixedinterest" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pendal-sustainable-australian-fixed-interest-fcwi.pdf" target="_blank" rel="noopener noreferrer">Pendal Sustainable Australian Fixed Interest</a></li><li><a data-tracker-locationid="cfs | text1-pendalsustainableaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pendal-sustainable-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Pendal Sustainable Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-pendalsustainablebalanced" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pendal-sustainable-balanced-fcwi.pdf" target="_blank" rel="noopener noreferrer">Pendal Sustainable Balanced</a></li><li><a data-tracker-locationid="cfs | text1-perennialvalueaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/perennial-value-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Perennial Value Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-perpetualaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/perpetual-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Perpetual Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-perpetualbalancedgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/perpetual-balanced-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">Perpetual Balanced Growth</a></li><li><a data-tracker-locationid="cfs | text1-perpetualconservativegrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/perpetual-conservative-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">Perpetual Conservative Growth</a></li><li><a data-tracker-locationid="cfs | text1-perpetualdiversifiedgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/perpetual-diversified-growth-fcwi.pdf" target="_blank" rel="noopener noreferrer">Perpetual Diversified Growth</a></li><li><a data-tracker-locationid="cfs | text1-perpetualdiversifiedincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/perpetual-diversified-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Perpetual Diversified Income</a></li><li><a data-tracker-locationid="cfs | text1-perpetualdiversifiedrealreturn" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/perpetual-diversified-real-return-fcwi.pdf" target="_blank" rel="noopener noreferrer">Perpetual Diversified Real Return</a></li><li><a data-tracker-locationid="cfs | text1-perpetualindustrialshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/perpetual-industrial-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Perpetual Industrial Share</a></li><li><a data-tracker-locationid="cfs | text1-perpetualsharepluslongshort" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/perpetual-share-plus-long-short-fcwi.pdf" target="_blank" rel="noopener noreferrer">Perpetual Share-Plus Long-Short</a></li><li><a data-tracker-locationid="cfs | text1-pimcoaustralianbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pimco-australian-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">PIMCO Australian Bond</a></li><li><a data-tracker-locationid="cfs | text1-pimcodiversifiedfixedinterest" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pimco-diversified-fixed-interest-fcwi.pdf" target="_blank" rel="noopener noreferrer">PIMCO Diversified Fixed Interest</a></li><li><a data-tracker-locationid="cfs | text1-pimcoglobalbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pimco-global-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">PIMCO Global Bond</a></li><li><a data-tracker-locationid="cfs | text1-platinumasia" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/platinum-asia-fcwi.pdf" target="_blank" rel="noopener noreferrer">Platinum Asia</a></li><li><a data-tracker-locationid="cfs | text1-platinuminternational" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/platinum-international-fcwi.pdf" target="_blank" rel="noopener noreferrer">Platinum International</a></li><li><a data-tracker-locationid="cfs | text1-platypusaustralianequities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/platypus-australian-equities-fcwi.pdf" target="_blank" rel="noopener noreferrer">Platypus Australian Equities</a></li><li><a data-tracker-locationid="cfs | text1-pmcapitalenhancedyield" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pm-capital-enhanced-yield-fcwi.pdf" target="_blank" rel="noopener noreferrer">PM Capital Enhanced Yield</a></li><li><a data-tracker-locationid="cfs | text1-pmcapitalglobalcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/pm-capital-global-companies-fcwi.pdf" target="_blank" rel="noopener noreferrer">PM Capital Global Companies</a></li><li><a data-tracker-locationid="cfs | text1-quayglobalrealestateunhedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/quay-global-real-estate-unhedged-fcwi.pdf" target="_blank" rel="noopener noreferrer">Quay Global Real Estate (Unhedged)</a></li><li><a data-tracker-locationid="cfs | text1-resolutioncapitalglobalpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/resolution-capital-global-property-securities-fcwi.pdf" target="_blank" rel="noopener noreferrer">Resolution Capital Global Property Securities</a></li><li><a data-tracker-locationid="cfs | text1-royallondonconcentratedglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/royal-london-concentrated-global-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Royal London Concentrated Global Share</a></li><li><a data-tracker-locationid="cfs | text1-royallondoncoreglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/royal-london-core-global-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">Royal London Core Global Share</a></li><li><a data-tracker-locationid="cfs | text1-rqiaustraliansmallcapvalue" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/rqi-australian-small-cap-value-fcwi.pdf" target="_blank" rel="noopener noreferrer">RQI Australian Small Cap Value</a></li><li><a data-tracker-locationid="cfs | text1-rqiaustralianvalue" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/rqi-australian-value-fcwi.pdf" target="_blank" rel="noopener noreferrer">RQI Australian Value</a></li><li><a data-tracker-locationid="cfs | text1-rqiemergingmarketsvalue" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/rqi-emerging-markets-value-fcwi.pdf" target="_blank" rel="noopener noreferrer">RQI Emerging Markets Value</a></li><li><a data-tracker-locationid="cfs | text1-rqiglobalvalue" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/rqi-global-value-fcwi.pdf" target="_blank" rel="noopener noreferrer">RQI Global Value</a></li><li><a data-tracker-locationid="cfs | text1-rqiglobalvaluehedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/rqi-global-value-hedged-fcwi.pdf" target="_blank" rel="noopener noreferrer">RQI Global Value – Hedged</a></li><li><a data-tracker-locationid="cfs | text1-sagecapitalequityplus" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/sage-capital-equity-plus-fcwi.pdf" target="_blank" rel="noopener noreferrer">Sage Capital Equity Plus</a></li><li><a data-tracker-locationid="cfs | text1-schroderabsolutereturnincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/schroder-absolute-return-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Schroder Absolute Return Income</a></li><li><a data-tracker-locationid="cfs | text1-schroderaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/schroder-australian-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Schroder Australian Equity</a></li><li><a data-tracker-locationid="cfs | text1-schroderrealreturn" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/schroder-real-return-fcwi.pdf" target="_blank" rel="noopener noreferrer">Schroder Real Return</a></li><li><a data-tracker-locationid="cfs | text1-skerryvoreglobalemergingmarketsallcap" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/skerryvore-global-emerging-markets-all-cap-fcwi.pdf" target="_blank" rel="noopener noreferrer">Skerryvore Global Emerging Markets All-Cap</a></li><li><a data-tracker-locationid="cfs | text1-solariscoreaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/solaris-core-australian-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Solaris Core Australian Equity</a></li><li><a data-tracker-locationid="cfs | text1-statestreetaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/state-street-australian-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">State Street Australian Equity</a></li><li><a data-tracker-locationid="cfs | text1-stewartinvestorsworldwideleaderssustainability" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/stewart-investors-worldwide-leaders-sustainability-fcwi.pdf" target="_blank" rel="noopener noreferrer">Stewart Investors Worldwide Leaders Sustainability</a></li><li><a data-tracker-locationid="cfs | text1-trowepricedynamicglobalbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/t-rowe-price-dynamic-global-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">T. Rowe Price Dynamic Global Bond</a></li><li><a data-tracker-locationid="cfs | text1-trowepriceglobalequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/t-rowe-price-global-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">T. Rowe Price Global Equity</a></li><li><a data-tracker-locationid="cfs | text1-trowepriceglobalequityhedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/t-rowe-price-global-equity-hedged-fcwi.pdf" target="_blank" rel="noopener noreferrer">T. Rowe Price Global Equity – Hedged</a></li><li><a data-tracker-locationid="cfs | text1-talariaglobalequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/talaria-global-equity-fcwi.pdf" target="_blank" rel="noopener noreferrer">Talaria Global Equity</a></li><li><a data-tracker-locationid="cfs | text1-ubsdiversifiedfixedincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/ubs-diversified-fixed-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">UBS Diversified Fixed Income</a></li><li><a data-tracker-locationid="cfs | text1-wavestoneaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/wavestone-australian-share-fcwi.pdf" target="_blank" rel="noopener noreferrer">WaveStone Australian Share</a></li><li><a data-tracker-locationid="cfs | text1-westernassetaustralianbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/western-asset-australian-bond-fcwi.pdf" target="_blank" rel="noopener noreferrer">Western Asset Australian Bond</a></li><li><a data-tracker-locationid="cfs | text1-yarraenhancedincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fcwi/yarra-enhanced-income-fcwi.pdf" target="_blank" rel="noopener noreferrer">Yarra Enhanced Income</a></li></ul> <p> </p> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-96d11e9dcb-item-60610bf894-header" data-title="FirstChoice Investments*"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">FirstChoice Investments*</div> </button> <div class="Accordion__ItemPanel" id="accordion-96d11e9dcb-item-60610bf894-panel" role="region" aria-labelledby="accordion-96d11e9dcb-item-60610bf894-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div id="text-60610bf894" class="cmp-text"> <p><b>Product name</b><br /> </p> <ul><li><a data-tracker-locationid="cfs | text2-abmanagedvolatilityequities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/ab-managed-volatility-equities-fci.pdf" target="_blank" rel="noopener noreferrer">AB Managed Volatility Equities</a></li><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/acadian-australian-equity-long-short-fci.pdf" target="_blank" data-tracker-locationid="cfs | text2-cfsacadianaustralianequitylongshort" rel="noopener noreferrer">Acadian Australian Equity Long Short</a></li><li><a data-tracker-locationid="cfs | text2-acadiancoreaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/acadian-core-australian-equity-fci.pdf" target="_blank" rel="noopener noreferrer">Acadian Core Australian Equity</a></li><li><a data-tracker-locationid="cfs | text2-acadiangearedcoreaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/acadian-geared-core-australian-equity-fci.pdf" target="_blank" rel="noopener noreferrer">Acadian Geared Core Australian Equity</a></li><li><a data-tracker-locationid="cfs | text2-acadiangearedglobalequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/acadian-geared-global-equity-fci.pdf" target="_blank" rel="noopener noreferrer">Acadian Geared Global Equity</a></li><li><a data-tracker-locationid="cfs | text2-acadianglobalequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/acadian-global-equity-fci.pdf" target="_blank" rel="noopener noreferrer">Acadian Global Equity</a></li><li><a data-tracker-locationid="cfs | text2-acadianglobalequitylongshort" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/acadian-global-equity-long-short-fci.pdf" target="_blank" rel="noopener noreferrer">Acadian Global Equity Long Short</a></li><li><a data-tracker-locationid="cfs | text2-airlieaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/airlie-australian-share-fci.pdf" target="_blank" rel="noopener noreferrer">Airlie Australian Share</a></li><li><a data-tracker-locationid="cfs | text2-" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/antipodes-global-fci.pdf" target="_blank" rel="noopener noreferrer">Antipodes Global</a></li><li><a data-tracker-locationid="cfs | text2-aspectdiversifiedfutures" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/aspect-diversified-futures-fci.pdf" target="_blank" rel="noopener noreferrer">Aspect Diversified Futures</a></li><li><a data-tracker-locationid="cfs | text2-cfstext2ausbilactivesustainableequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/ausbil-active-sustainable-equity-fci.pdf" target="_blank" rel="noopener noreferrer">Ausbil Active Sustainable Equity</a></li><li><a data-tracker-locationid="cfs | text2-ausbilaustralianactiveequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/ausbil-australian-active-equity-fci.pdf" target="_blank" rel="noopener noreferrer">Ausbil Australian Active Equity</a></li><li><a data-tracker-locationid="cfs | text2-ausbilaustralianemergingleaders" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/ausbil-australian-emerging-leaders-fci.pdf" target="_blank" rel="noopener noreferrer">Ausbil Australian Emerging Leaders</a></li><li><a data-tracker-locationid="cfs | text2-bailliegiffordlongtermglobalgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/baillie-gifford-long-term-global-growth-fci.pdf" target="_blank" rel="noopener noreferrer">Baillie Gifford Long Term Global Growth</a></li><li><a data-tracker-locationid="cfs | text2-barrowhanleyconcentratedglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/barrow-hanley-concentrated-global-share-fci.pdf" target="_blank" rel="noopener noreferrer">Barrow Hanley Concentrated Global Share</a></li><li><a data-tracker-locationid="cfs | text2-barrowhanleyglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/barrow-hanley-global-share-fci.pdf" target="_blank" rel="noopener noreferrer">Barrow Hanley Global Share</a></li><li><a data-tracker-locationid="cfs | text2-" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/bennelong-ex-20-australian-equities-fci.pdf" target="_blank" rel="noopener noreferrer">Bennelong ex-20 Australian Equities</a></li><li><a data-tracker-locationid="cfs | text2-celesteaustraliansmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/celeste-australian-small-companies-fci.pdf" target="_blank" rel="noopener noreferrer">Celeste Australian Small Companies</a></li><li><a data-tracker-locationid="cfs | text2-cfsaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-australian-share-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Australian Share</a></li><li><a data-tracker-locationid="cfs | text2-cfsaustraliansmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-australian-small-companies-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Australian Small Companies</a></li><li><a data-tracker-locationid="cfs | text2-" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-balanced-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Balanced</a></li><li><a data-tracker-locationid="cfs | text2-cfsconservative" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-conservative-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Conservative</a></li><li><a data-tracker-locationid="cfs | text2-cfstext2cfstext2cfstext2cfsdefensive" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-defensive-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Defensive</a></li><li><a data-tracker-locationid="cfs | text2-cfsemergingmarkets" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-emerging-markets-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Emerging Markets</a></li><li><a data-tracker-locationid="cfs | text2-cfsenhancedindexbalanced" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-enhanced-index-balanced-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Balanced</a></li><li><a data-tracker-locationid="cfs | text2-cfsenhancedindexconservative" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-enhanced-index-conservative-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Conservative</a></li><li><a data-tracker-locationid="cfs | text2-cfsenhancedindexdiversified" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-enhanced-index-diversified-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Diversified</a></li><li><a data-tracker-locationid="cfs | text2-cfsenhancedindexgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-enhanced-index-growth-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Growth</a></li><li><a data-tracker-locationid="cfs | text2-cfsenhancedindexhighgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-enhanced-index-high-growth-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index High Growth</a></li><li><a data-tracker-locationid="cfs | text2-cfsfixedinterest" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-fixed-interest-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Fixed Interest</a></li><li><a data-tracker-locationid="cfs | text2-cfsgearedaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-geared-australian-share-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Geared Australian Share</a></li><li><a data-tracker-locationid="cfs | text2-" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-geared-global-share-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Geared Global Share</a></li><li><a data-tracker-locationid="cfs | text2-cfsgearedgrowthplus" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-geared-growth-plus-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Geared Growth Plus</a></li><li><a data-tracker-locationid="cfs | text2-cfsgearedshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-geared-share-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Geared Share</a></li><li><a data-tracker-locationid="cfs | text2-cfsglobalinfrastructuresecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-global-infrastructure-securities-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Global Infrastructure Securities</a></li><li><a data-tracker-locationid="cfs | text2-cfsglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-global-share-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Global Share</a></li><li><a data-tracker-locationid="cfs | text2-cfsglobalsharehedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-global-share-hedged-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Global Share – Hedged</a></li><li><a data-tracker-locationid="cfs | text2-cfsglobalpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-global-property-securities-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Global Property Securities</a></li><li><a data-tracker-locationid="cfs | text2-cfsgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-growth-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Growth</a></li><li><a data-tracker-locationid="cfs | text2-cfshighgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-high-growth-fci.pdf" target="_blank" rel="noopener noreferrer">CFS High Growth</a></li><li><a data-tracker-locationid="cfs | text2-cfsindexaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-index-australian-share-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Index Australian Share</a></li><li><a data-tracker-locationid="cfs | text2-cfsindexglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-index-global-share-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Share</a></li><li><a data-tracker-locationid="cfs | text2-cfsindexglobalsharehedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-index-global-share-hedged-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Share – Hedged</a></li><li><a data-tracker-locationid="cfs | text2-cfsindexpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-index-property-securities-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Index Property Securities</a></li><li><a data-tracker-locationid="cfs | text2-cfsmoderate" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-moderate-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Moderate</a></li><li><a data-tracker-locationid="cfs | text2-cfspropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-property-securities-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Property Securities</a></li><li><a data-tracker-locationid="cfs | text2-cfsselectbalanced" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-select-balanced-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Select Balanced</a></li><li><a data-tracker-locationid="cfs | text2-cfsselectconservative" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-select-conservative-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Select Conservative</a></li><li><a data-tracker-locationid="cfs | text2-cfsselectdiversified" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-select-diversified-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Select Diversified</a></li><li><a data-tracker-locationid="cfs | text2-cfsselecthighgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-select-high-growth-fci.pdf" target="_blank" rel="noopener noreferrer">CFS Select High Growth</a></li><li><a data-tracker-locationid="cfs | text2-cfswellingtonglobalsmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/cfs-wellington-global-small-companies-fci.pdf" target="_blank" rel="noopener noreferrer">CFS – Wellington Global Small Companies</a></li><li><a data-tracker-locationid="cfs | text2-clearbridgerareinfrastructurevalue" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/clearbridge-rare-infrastructure-value-fci.pdf" target="_blank" rel="noopener noreferrer">ClearBridge RARE Infrastructure Value</a></li><li><a data-tracker-locationid="cfs | text2-daintreecoreincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/daintree-core-income-fci.pdf" target="_blank" rel="noopener noreferrer">Daintree Core Income</a></li><li><a data-tracker-locationid="cfs | text2-dexusareit" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/dexus-areit-fci.pdf" target="_blank" rel="noopener noreferrer">Dexus AREIT</a></li><li><a data-tracker-locationid="cfs | text2-dnrcapitalaustralianequitiesincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/dnr-capital-australian-equities-income-fci.pdf" target="_blank" rel="noopener noreferrer">DNR Capital Australian Equities Income</a></li><li><a data-tracker-locationid="cfs | text2-epochglobalequityshareholderyield" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/epoch-global-equity-shareholder-yield-fci.pdf" target="_blank" rel="noopener noreferrer">Epoch Global Equity Shareholder Yield</a></li><li><a data-tracker-locationid="cfs | text2-fidelityaustralianequities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/fidelity-australian-equities-fci.pdf" target="_blank" rel="noopener noreferrer">Fidelity Australian Equities</a></li><li><a data-tracker-locationid="cfs | text2-firstsentiergearedglobalpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/first-sentier-geared-global-property-securities-fci.pdf" target="_blank" rel="noopener noreferrer">First Sentier Geared Global Property Securities</a></li><li><a data-tracker-locationid="cfs | text2-firstsentierglobalpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/first-sentier-global-property-securities-fci.pdf" target="_blank" rel="noopener noreferrer">First Sentier Global Property Securities</a></li><li><a data-tracker-locationid="cfs | text2-firstsentierimputation" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/first-sentier-imputation-fci.pdf" target="_blank" rel="noopener noreferrer">First Sentier Imputation</a></li><li><a data-tracker-locationid="cfs | text2-firstsentierpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/first-sentier-property-securities-fci.pdf" target="_blank" rel="noopener noreferrer">First Sentier Property Securities</a></li><li><a data-tracker-locationid="cfs | text2-firstsentierstrategiccash" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/first-sentier-strategic-cash-fci.pdf" target="_blank" rel="noopener noreferrer">First Sentier Strategic Cash</a></li><li><a data-tracker-locationid="cfs | text2-generationglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/generation-global-share-fci.pdf" target="_blank" rel="noopener noreferrer">Generation Global Share</a></li><li><a data-tracker-locationid="cfs | text2-investorsmutualaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/investors-mutual-australian-share-fci.pdf" target="_blank" style=" background-color: rgb(255,255,255); " rel="noopener noreferrer">Investors Mutual Australian Share</a><br /> </li><li><a data-tracker-locationid="cfs | text2-investorsmutualfutureleaders" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/investors-mutual-future-leaders-fci.pdf" target="_blank" rel="noopener noreferrer">Investors Mutual Future Leaders</a></li><li><a data-tracker-locationid="cfs | text2-ironbarkpropertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/ironbark-property-securities-fci.pdf" target="_blank" rel="noopener noreferrer">Ironbark Property Securities</a></li><li><a data-tracker-locationid="cfs | text2-janushendersondiversifiedcredit" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/janus-henderson-diversified-credit-fci.pdf" target="_blank" style=" background-color: rgb(255,255,255); " rel="noopener noreferrer">Janus Henderson Diversified Credit</a></li><li><a data-tracker-locationid="cfs | text2-janushendersonglobalnaturalresources" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/janus-henderson-global-natural-resources-fci.pdf" target="_blank" rel="noopener noreferrer">Janus Henderson Global Natural Resources</a></li><li><a data-tracker-locationid="cfs | text2-" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/kapstream-absolute-return-income-fci.pdf" target="_blank" rel="noopener noreferrer">Kapstream Absolute Return Income</a></li><li><a data-tracker-locationid="cfs | text2-lazardselectaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/lazard-select-australian-equity-fci.pdf" target="_blank" rel="noopener noreferrer">Lazard Select Australian Equity</a></li><li><a data-tracker-locationid="cfs | text2-longwaveaustraliansmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/longwave-australian-small-companies-fci.pdf" target="_blank" rel="noopener noreferrer">Longwave Australian Small Companies</a></li><li><a data-tracker-locationid="cfs | text2-macquariedynamicbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/macquarie-dynamic-bond-fci.pdf" target="_blank" rel="noopener noreferrer">Macquarie Dynamic Bond</a></li><li><a data-tracker-locationid="cfs | text2-macquariegloballistedrealestate" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/macquarie-global-listed-real-estate-fci.pdf" target="_blank" rel="noopener noreferrer">Macquarie Global Listed Real Estate</a></li><li><a data-tracker-locationid="cfs | text2-macquarieincomeopportunities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/macquarie-income-opportunities-fci.pdf" target="_blank" rel="noopener noreferrer">Macquarie Income Opportunities</a></li><li><a data-tracker-locationid="cfs | text2-magellanglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/magellan-global-share-fci.pdf" target="_blank" rel="noopener noreferrer">Magellan Global Share</a></li><li><a data-tracker-locationid="cfs | text2-magellaninfrastructure" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/magellan-infrastructure-fci.pdf" target="_blank" rel="noopener noreferrer">Magellan Infrastructure</a></li><li><a data-tracker-locationid="cfs | text2-martincurrieaustraliaequityincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/martin-currie-australia-equity-income-fci.pdf" target="_blank" rel="noopener noreferrer">Martin Currie Australia Equity Income</a></li><li><a data-tracker-locationid="cfs | text2-martincurrierealincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/martin-currie-real-income-fci.pdf" target="_blank" rel="noopener noreferrer">Martin Currie Real Income</a></li><li><a data-tracker-locationid="cfs | text2-merlonaustralianshareincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/merlon-australian-share-income-fci.pdf" target="_blank" rel="noopener noreferrer">Merlon Australian Share Income</a></li><li><a data-tracker-locationid="cfs | text2-mfsglobalequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/mfs-global-equity-fci.pdf" target="_blank" rel="noopener noreferrer">MFS Global Equity</a></li><li><a data-tracker-locationid="cfs | text2-ocpremiumsmallcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/oc-premium-small-companies-fci.pdf" target="_blank" rel="noopener noreferrer">OC Premium Small Companies</a></li><li><a data-tracker-locationid="cfs | text2-pendalaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/pendal-australian-share-fci.pdf" target="_blank" rel="noopener noreferrer">Pendal Australian Share</a></li><li><a data-tracker-locationid="cfs | text2-pendalmonthlyincomeplus" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/pendal-monthly-income-plus-fci.pdf" target="_blank" rel="noopener noreferrer">Pendal Monthly Income Plus</a></li><li><a data-tracker-locationid="cfs | text2-pendalpropertyinvestment" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/pendal-property-investment-fci.pdf" target="_blank" rel="noopener noreferrer">Pendal Property Investment</a></li><li><a data-tracker-locationid="cfs | text2-pendalsustainableaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/pendal-sustainable-australian-share-fci.pdf" target="_blank" rel="noopener noreferrer">Pendal Sustainable Australian Share</a></li><li><a data-tracker-locationid="cfs | text2-pendalsustainablebalanced" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/pendal-sustainable-balanced-fci.pdf" target="_blank" rel="noopener noreferrer">Pendal Sustainable Balanced</a></li><li><a data-tracker-locationid="cfs | text2-perennialvalueaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/perennial-value-australian-share-fci.pdf" target="_blank" rel="noopener noreferrer">Perennial Value Australian Share</a></li><li><a data-tracker-locationid="cfs | text2-perpetualaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/perpetual-australian-share-fci.pdf" target="_blank" rel="noopener noreferrer">Perpetual Australian Share</a></li><li><a data-tracker-locationid="cfs | text2-" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/perpetual-balanced-growth-fci.pdf" target="_blank" rel="noopener noreferrer">Perpetual Balanced Growth</a></li><li><a data-tracker-locationid="cfs | text2-perpetualconservativegrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/perpetual-conservative-growth-fci.pdf" target="_blank" rel="noopener noreferrer">Perpetual Conservative Growth</a></li><li><a data-tracker-locationid="cfs | text2-perpetualdiversifiedgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/perpetual-diversified-growth-fci.pdf" target="_blank" rel="noopener noreferrer">Perpetual Diversified Growth</a></li><li><a data-tracker-locationid="cfs | text2-perpetualdiversifiedincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/perpetual-diversified-income-fci.pdf" target="_blank" rel="noopener noreferrer">Perpetual Diversified Income</a></li><li><a data-tracker-locationid="cfs | text2-perpetualindustrialshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/perpetual-industrial-share-fci.pdf" target="_blank" rel="noopener noreferrer">Perpetual Industrial Share</a></li><li><a data-tracker-locationid="cfs | text2-pimcoaustralianbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/pimco-australian-bond-fci.pdf" target="_blank" rel="noopener noreferrer">PIMCO Australian Bond</a></li><li><a data-tracker-locationid="cfs | text2-pimcoglobalbond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/pimco-global-bond-fci.pdf" target="_blank" rel="noopener noreferrer">PIMCO Global Bond</a></li><li><a data-tracker-locationid="cfs | text2-platinumasia" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/platinum-asia-fci.pdf" target="_blank" rel="noopener noreferrer">Platinum Asia</a></li><li><a data-tracker-locationid="cfs | text2-platinuminternational" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/platinum-international-fci.pdf" target="_blank" rel="noopener noreferrer">Platinum International</a></li><li><a data-tracker-locationid="cfs | text2-platypusaustralianequities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/platypus-australian-equities-fci.pdf" target="_blank" rel="noopener noreferrer">Platypus Australian Equities</a></li><li><a data-tracker-locationid="cfs | text2-pmcapitalenhancedyield" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/pm-capital-enhanced-yield-fci.pdf" target="_blank" rel="noopener noreferrer">PM Capital Enhanced Yield</a></li><li><a data-tracker-locationid="cfs | text2-pmcapitalglobalcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/pm-capital-global-companies-fci.pdf" target="_blank" rel="noopener noreferrer">PM Capital Global Companies</a></li><li><a data-tracker-locationid="cfs | text2-royallondonconcentratedglobalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/royal-london-concentrated-global-share-fci.pdf" target="_blank" rel="noopener noreferrer">Royal London Concentrated Global Share</a></li><li><a data-tracker-locationid="cfs | text2-rqiaustraliansmallcapvalue" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/rqi-australian-small-cap-value-fci.pdf" target="_blank" rel="noopener noreferrer">RQI Australian Small Cap Value</a></li><li><a data-tracker-locationid="cfs | text2-rqiaustralianvalue" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/rqi-australian-value-fci.pdf" target="_blank" rel="noopener noreferrer">RQI Australian Value</a></li><li><a data-tracker-locationid="cfs | text2-rqiglobalvalue" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/rqi-global-value-fci.pdf" target="_blank" rel="noopener noreferrer">RQI Global Value</a></li><li><a data-tracker-locationid="cfs | text2-rqiglobalvaluehedged" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/rqi-global-value-hedged-fci.pdf" target="_blank" rel="noopener noreferrer">RQI Global Value – Hedged</a></li><li><a data-tracker-locationid="cfs | text2-schroderabsolutereturnincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/schroder-absolute-return-income-fci.pdf" target="_blank" rel="noopener noreferrer">Schroder Absolute Return Income</a></li><li><a data-tracker-locationid="cfs | text2-schroderaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/schroder-australian-equity-fci.pdf" target="_blank" rel="noopener noreferrer">Schroder Australian Equity</a></li><li><a data-tracker-locationid="cfs | text2-schroderrealreturn" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/schroder-real-return-fci.pdf" target="_blank" rel="noopener noreferrer">Schroder Real Return</a></li><li><a data-tracker-locationid="cfs | text2-skerryvoreglobalemergingmarketsallcap" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/skerryvore-global-emerging-markets-all-cap-fci.pdf" target="_blank" rel="noopener noreferrer">Skerryvore Global Emerging Markets All-Cap</a></li><li><a data-tracker-locationid="cfs | text2-solariscoreaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/solaris-core-australian-equity-fci.pdf" target="_blank" rel="noopener noreferrer">Solaris Core Australian Equity</a></li><li><a data-tracker-locationid="cfs | text2-statestreetaustralianequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/state-street-australian-equity-fci.pdf" target="_blank" rel="noopener noreferrer">State Street Australian Equity</a></li><li><a data-tracker-locationid="cfs | text2-stewartinvestorsworldwideleaderssustainability" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/stewart-investors-worldwide-leaders-sustainability-fci.pdf" target="_blank" rel="noopener noreferrer">Stewart Investors Worldwide Leaders Sustainability</a></li><li><a data-tracker-locationid="cfs | text2-trowepriceglobalequity" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/t-rowe-price-global-equity-fci.pdf" target="_blank" rel="noopener noreferrer">T. Rowe Price Global Equity</a></li><li><a data-tracker-locationid="cfs | text2-ubsdiversifiedfixedincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/ubs-diversified-fixed-income-fci.pdf" target="_blank" rel="noopener noreferrer">UBS Diversified Fixed Income</a></li><li><a data-tracker-locationid="cfs | text2-wavestoneaustralianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/fci/wavestone-australian-share-fci.pdf" target="_blank" rel="noopener noreferrer">WaveStone Australian Share</a></li></ul> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-96d11e9dcb-item-0c6c8aec80-header" data-title="Managed Investment Funds*"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Managed Investment Funds*</div> </button> <div class="Accordion__ItemPanel" id="accordion-96d11e9dcb-item-0c6c8aec80-panel" role="region" aria-labelledby="accordion-96d11e9dcb-item-0c6c8aec80-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div id="text-0c6c8aec80" class="cmp-text"> <p><b>Product name</b></p> <ul><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-conservative.pdf" target="_blank" data-tracker-locationid="cfs | text3-conservativefund" rel="noopener noreferrer">Conservative Fund</a></li><li><a data-tracker-locationid="cfs | text3-" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-conservative-nil-entry.pdf" target="_blank" rel="noopener noreferrer">Conservative Nil Entry</a></li><li><a data-tracker-locationid="cfs | text3-balancedfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-balanced.pdf" target="_blank" rel="noopener noreferrer">Balanced Fund</a></li><li><a data-tracker-locationid="cfs | text3-balancednilentry" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-balanced-nil-entry.pdf" target="_blank" rel="noopener noreferrer">Balanced Nil Entry</a></li><li><a data-tracker-locationid="cfs | text3-diversifiedfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-diversified.pdf" target="_blank" rel="noopener noreferrer">Diversified Fund</a></li><li><a data-tracker-locationid="cfs | text3-diversifiednilentry" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-diversified-nil-entry.pdf" target="_blank" rel="noopener noreferrer">Diversified Nil Entry</a></li><li><a data-tracker-locationid="cfs | text3-highgrowth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-high-growth.pdf" target="_blank" rel="noopener noreferrer">High Growth</a></li><li><a data-tracker-locationid="cfs | text3-australiansharefund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-australian-share.pdf" target="_blank" rel="noopener noreferrer">Australian Share Fund</a></li><li><a data-tracker-locationid="cfs | text3-imputationfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-imputation.pdf" target="_blank" rel="noopener noreferrer">Imputation Fund</a></li><li><a data-tracker-locationid="cfs | text3-imputationnilentry" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-imputation-nil-entry.pdf" target="_blank" rel="noopener noreferrer">Imputation Nil Entry</a></li><li><a data-tracker-locationid="cfs | text3-macquarieaustralianemergingcompanies" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/macquarie-mif-australian-emerging-companies.pdf" target="_blank" rel="noopener noreferrer">Macquarie Australian Emerging Companies</a></li><li><a data-tracker-locationid="cfs | text3-investorsmutualfutureleaders" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/investors-mutual-mif-future-leaders.pdf" target="_blank" rel="noopener noreferrer">Investors Mutual Future Leaders</a></li><li><a data-tracker-locationid="cfs | text3-gearedsharefund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-geared-share.pdf" target="_blank" rel="noopener noreferrer">Geared Share Fund</a></li><li><a data-tracker-locationid="cfs | text3-gearedsharenilentry" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-geared-share-nil-entry.pdf" target="_blank" rel="noopener noreferrer">Geared Share Nil Entry</a></li><li><a data-tracker-locationid="cfs | text3-stewartinvestorsworldwideleaderssustainabilityfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/stewart-investors-mif-worldwide-leaders-sustainability.pdf" target="_blank" rel="noopener noreferrer">Stewart Investors Worldwide Leaders Sustainability Fund</a></li><li><a data-tracker-locationid="cfs | text3-globalhealthbiotechnologyfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-global-health-biotechnology.pdf" target="_blank" rel="noopener noreferrer">Global Health &amp; Biotechnology Fund</a></li><li><a data-tracker-locationid="cfs | text3-globaltechnologycommunicationsfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-global-technology-communications.pdf" target="_blank" rel="noopener noreferrer">Global Technology &amp; Communications Fund</a></li><li><a data-tracker-locationid="cfs | text3-janushendersonglobalnaturalresourcesfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-janus-henderson-global-natural-resources.pdf" target="_blank" rel="noopener noreferrer">Janus Henderson Global Natural Resources Fund</a></li><li><a data-tracker-locationid="cfs | text3-gearedglobalsharefund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-geared-global-share.pdf" target="_blank" rel="noopener noreferrer">Geared Global Share Fund</a></li><li><a data-tracker-locationid="cfs | text3-propertysecuritiesfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-property-securities.pdf" target="_blank" rel="noopener noreferrer">Property Securities Fund</a></li><li><a data-tracker-locationid="cfs | text3-propertysecuritiesnilentry" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-property-securities-nil-entry.pdf" target="_blank" rel="noopener noreferrer">Property Securities Nil Entry</a></li><li><a data-tracker-locationid="cfs | text3-strategiccashfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/mif/cfs-mif-strategic-cash.pdf" target="_blank" rel="noopener noreferrer">Strategic Cash Fund</a><br /> </li></ul> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-96d11e9dcb-item-c49ec47d99-header" data-title="Commonwealth Investment Funds*"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Commonwealth Investment Funds*</div> </button> <div class="Accordion__ItemPanel" id="accordion-96d11e9dcb-item-c49ec47d99-panel" role="region" aria-labelledby="accordion-96d11e9dcb-item-c49ec47d99-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div id="text-c49ec47d99" class="cmp-text"> <p><b>Product name<a data-tracker-locationid="cfs | text4-" target="_blank"></a></b></p> <ul><li><p><a data-tracker-locationid="cfs | text4-income" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/cif/cif-income.pdf" target="_blank" rel="noopener noreferrer">Income</a></p> </li><li><p><a data-tracker-locationid="cfs | text4-balanced" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/cif/cif-balanced.pdf" target="_blank" rel="noopener noreferrer">Balanced</a></p> </li><li><p><a data-tracker-locationid="cfs | text4-growth" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/cif/cif-growth.pdf" target="_blank" rel="noopener noreferrer">Growth</a></p> </li><li><p><a data-tracker-locationid="cfs | text4-australianshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/cif/cif-australian-share.pdf" target="_blank" rel="noopener noreferrer">Australian Share</a></p> </li><li><p><a data-tracker-locationid="cfs | text4-shareincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/cif/cif-share-income.pdf" target="_blank" rel="noopener noreferrer">Share Income</a></p> </li><li><p><a data-tracker-locationid="cfs | text4-propertysecurities" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/cif/cif-property-securities.pdf" target="_blank" rel="noopener noreferrer">Property Securities</a></p> </li><li><p><a data-tracker-locationid="cfs | text4-internationalshare" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/cif/cif-international-share.pdf" target="_blank" rel="noopener noreferrer">International Share</a></p> </li><li><p><a data-tracker-locationid="cfs | text4-bond" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/cif/cif-bond.pdf" target="_blank" rel="noopener noreferrer">Bond</a></p> </li></ul> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-96d11e9dcb-item-be95fc676b-header" data-title="Class A Funds"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Class A Funds</div> </button> <div class="Accordion__ItemPanel" id="accordion-96d11e9dcb-item-be95fc676b-panel" role="region" aria-labelledby="accordion-96d11e9dcb-item-be95fc676b-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div id="text-be95fc676b" class="cmp-text"> <p><b>Investment options</b></p> <ul><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/acadian-australian-equity-long-short-class-a.pdf" target="_blank" data-tracker-locationid="cfs | text5-cfstext5acadianaustralianequitylongshortclassa" rel="noopener noreferrer">Acadian Australian Equity Long Short - Class A</a></li><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/acadian-defensive-income-class-a.pdf" target="_blank" data-tracker-locationid="cfs | text5-cfstext5cfstext5acadiandefensiveincomefundclassa" rel="noopener noreferrer">Acadian Defensive Income Fund – Class A</a></li><li><a data-tracker-locationid="cfs | text5-acadianenhancedemergingmarketsequityfundclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/acadian-enhanced-emerging-markets-equity-class-a.pdf" target="_blank" rel="noopener noreferrer">Acadian Enhanced Emerging Markets Equity Fund - Class A</a></li><li><a data-tracker-locationid="cfs | text5-acadianglobalequitylongshortclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/acadian-global-equity-long-short-class-a.pdf" target="_blank" rel="noopener noreferrer">Acadian Global Equity Long Short - Class A</a></li><li><a data-tracker-locationid="cfs | text5-acadianglobalmanagedvolatilityequityfundclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/acadian-global-managed-volatility-equity-class-a.pdf" target="_blank" rel="noopener noreferrer">Acadian Global Managed Volatility Equity Fund – Class A</a></li><li><a data-tracker-locationid="cfs | text5-" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/acadian-australian-market-neutral-class-a.pdf" target="_blank" rel="noopener noreferrer">Acadian Australian Market Neutral</a></li><li><a data-tracker-locationid="cfs | text5-aspectabsolutereturnfundclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/aspect-absolute-return-class-a.pdf" target="_blank" rel="noopener noreferrer">Aspect Absolute Return Fund - Class A</a></li><li><a data-tracker-locationid="cfs | text5-aspectdiversifiedfuturesfundclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/aspect-diversified-futures-class-a.pdf" target="_blank" rel="noopener noreferrer">Aspect Diversified Futures Fund – Class A</a></li><li><a data-tracker-locationid="cfs | text5-bailliegiffordlongtermglobalgrowthfundclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/baillie-gifford-long-term-global-growth-class-a.pdf" target="_blank" rel="noopener noreferrer">Baillie Gifford Long Term Global Growth Fund - Class A</a></li><li><a data-tracker-locationid="cfs | text5-bailliegiffordsustainablegrowthfundclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/baillie-gifford-sustainable-growth-class-a.pdf" target="_blank" rel="noopener noreferrer">Baillie Gifford Sustainable Growth Fund – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsdefensivebuilder" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-defensive-builder-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Defensive Builder</a></li><li><a data-tracker-locationid="cfs | text5-cfsenhancedcashclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-enhanced-cash-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Cash – Class A </a></li><li><a data-tracker-locationid="cfs | text5-cfstext5cfsenhancedindexbalancedclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-enhanced-index-balanced-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Balanced – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsenhancedindexconservativeclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-enhanced-index-conservative-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Conservative – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsenhancedindexdiversifiedclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-enhanced-index-diversified-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Diversified – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsenhancedindexhighgrowthclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-enhanced-index-high-growth-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index High Growth – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsenhancedindexmoderateclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-enhanced-index-moderate-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Enhanced Index Moderate – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsequitybuilder" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-equity-builder-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Equity Builder</a></li><li><a data-tracker-locationid="cfs | text5-cfsgrowthbuilder" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-growth-builder-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Growth Builder</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexaustralianbondclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-australian-bond-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Australian Bond – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexaustralianshareclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-australian-share-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Australian Share – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexbalancedclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-balanced-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Balanced - Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexconservativeclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-conservative-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Conservative - Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexdiversifiedclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-diversified-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Diversified - Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexglobalbondclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-global-bond-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Bond – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexgloballistedinfrastructuresecuritiesclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-global-listed-infrastructure-securities-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Listed Infrastructure Securities – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexglobalpropertysecuritiesclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-global-property-securities-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Property Securities – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexglobalshareclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-global-share-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Share – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexglobalsharehedgedclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-global-share-hedged-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Global Share – Hedged Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexgrowthclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-growth-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Growth - Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexhighgrowthclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-high-growth-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index High Growth - Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexmoderateclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-moderate-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Moderate - Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsindexpropertysecuritiesclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-index-property-securities-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Index Property Securities – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfstext5cfsrealreturnclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-real-return-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Real Return – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfsthrivesustainablegrowthclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cfs-thrive-sustainable-growth-class-a.pdf" target="_blank" rel="noopener noreferrer">CFS Thrive&#43; Sustainable Growth – Class A</a></li><li><a data-tracker-locationid="cfs | text5-cfstext5cohenandsteersgloballistedinfrastructureclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/cohen-and-steers-global-listed-infrastructure-class-a.pdf" target="_blank" rel="noopener noreferrer">Cohen and Steers Global Listed Infrastructure – Class A</a></li><li><a data-tracker-locationid="cfs | text5-fortlakerealhigherincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/fortlake-real-higher-income-class-a.pdf" target="_blank" rel="noopener noreferrer">Fortlake Real-Higher Income</a><br /> </li><li><a data-tracker-locationid="cfs | text5-fortlakerealincome" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/fortlake-real-income-class-a.pdf" target="_blank" rel="noopener noreferrer">Fortlake Real-Income</a></li><li><a data-tracker-locationid="cfs | text5-metlifeglobalimpactbondfundclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/metlife-global-impact-bond-class-a.pdf" target="_blank" rel="noopener noreferrer">Metlife Global Impact Bond Fund – Class A</a></li><li><a data-tracker-locationid="cfs | text5-rqiaustraliansmallcapvalueclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/rqi-australian-small-cap-value-class-a.pdf" target="_blank" rel="noopener noreferrer">RQI Australian Small Cap Value – Class A</a></li><li><a data-tracker-locationid="cfs | text5-rqiaustralianvalueclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/rqi-australian-value-class-a.pdf" target="_blank" rel="noopener noreferrer">RQI Australian Value – Class A</a></li><li><a data-tracker-locationid="cfs | text5-rqiemergingmarketsvalueclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/rqi-emerging-markets-value-class-a.pdf" target="_blank" rel="noopener noreferrer">RQI Emerging Markets Value – Class A</a></li><li><a data-tracker-locationid="cfs | text5-rqiglobalvalueclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/rqi-global-value-class-a.pdf" target="_blank" rel="noopener noreferrer">RQI Global Value – Class A</a></li><li><a data-tracker-locationid="cfs | text5-rqiglobalvaluehedgedclassa" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/class-a/rqi-global-value-hedged-class-a.pdf" target="_blank" rel="noopener noreferrer">RQI Global Value Hedged – Class A</a></li></ul> <p> </p> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-96d11e9dcb-item-4f3bc542e3-header" data-title="Wholesale Standalone"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Wholesale Standalone</div> </button> <div class="Accordion__ItemPanel" id="accordion-96d11e9dcb-item-4f3bc542e3-panel" role="region" aria-labelledby="accordion-96d11e9dcb-item-4f3bc542e3-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div id="text-4f3bc542e3" class="cmp-text"> <p><b>Product name</b></p> <ul><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/whsle/cfs-wholesale-cash-whsle.pdf" target="_blank" data-tracker-locationid="cfs | text6-cfswholesalecash" rel="noopener noreferrer">CFS Wholesale Cash</a></li><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/whsle/cfs-wholesale-indexed-australian-bond-whsle.pdf" target="_blank" data-tracker-locationid="cfs | text6-cfstext6colonialfirststatewholesaleindexedaustralianbondfund" rel="noopener noreferrer">CFS Wholesale Indexed Australian Bond Fund</a></li><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/whsle/cfs-wholesale-indexed-australian-share-whsle.pdf" style=" background-color: rgb(255,255,255); " target="_blank" data-tracker-locationid="cfs | text6-cfstext6colonialfirststatewholesaleindexedaustraliansharefund" rel="noopener noreferrer">CFS Wholesale Indexed Australian Share Fund</a> </li><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/whsle/cfs-wholesale-indexed-global-bond-whsle.pdf" target="_blank" data-tracker-locationid="cfs | text6-cfstext6colonialfirststatewholesaleindexedglobalbondfund" style=" background-color: rgb(255,255,255); " rel="noopener noreferrer">CFS Wholesale Indexed Global Bond Fund</a></li><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/whsle/cfs-wholesale-indexed-global-share-whsle.pdf" style=" background-color: rgb(255,255,255); " target="_blank" data-tracker-locationid="cfs | text6-cfstext6colonialfirststatewholesaleindexedglobalsharefund" rel="noopener noreferrer">CFS Wholesale Indexed Global Share Fund</a></li><li><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/whsle/cfs-wholesale-indexed-property-securities-whsle.pdf" style=" background-color: rgb(255,255,255); " target="_blank" data-tracker-locationid="cfs | text6-cfstext6colonialfirststatewholesaleindexedpropertysecuritiesfund" rel="noopener noreferrer">CFS Wholesale Indexed Property Securities Fund</a></li><li><a data-tracker-locationid="cfs | text6-firstsentieraustraliansharefund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/whsle/first-sentier-australian-share-whsle.pdf" target="_blank" rel="noopener noreferrer">First Sentier Australian Share Fund</a></li><li><a data-tracker-locationid="cfs | text6-firstsentieraustraliansharegrowthfund" href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/whsle/first-sentier-australian-share-growth-whsle.pdf" target="_blank" rel="noopener noreferrer">First Sentier Australian Share Growth Fund</a></li></ul> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-96d11e9dcb-item-04a751c173-header" data-title="Separately Managed Account"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Separately Managed Account</div> </button> <div class="Accordion__ItemPanel" id="accordion-96d11e9dcb-item-04a751c173-panel" role="region" aria-labelledby="accordion-96d11e9dcb-item-04a751c173-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div id="text-04a751c173" class="cmp-text"> <p><b>Product name</b></p> <ul><li><p><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/adviser/product/cfs-edge/signature-managed-account-tmd.pdf" target="_blank" data-tracker-locationid="cfs | text7-cfstext7cfstext7cfstext7colonialfirststatemanagedaccount" title="Signature Managed Account" rel="noopener noreferrer">Signature Managed Account</a></p> </li><li><p><a href="https://www.cfs.com.au/content/dam/colonial-first-state/docs/tmds/separately-managed-account/Commonwealth-Private-Separately-Managed-Account.pdf" style=" background-color: rgb(255,255,255); " target="_blank" data-tracker-locationid="cfs | text7-commonwealthprivateseparatelymanagedaccount" rel="noopener noreferrer">Commonwealth Private Separately Managed Account</a><br /> </p> </li></ul> </div> </div> </div> </div> </div> <div class="Accordion__Item"> <button class="Accordion__ItemHeader" id="accordion-96d11e9dcb-item-5415ff30ea-header" data-title="Everyday Investing"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Everyday Investing</div> </button> <div class="Accordion__ItemPanel" id="accordion-96d11e9dcb-item-5415ff30ea-panel" role="region" aria-labelledby="accordion-96d11e9dcb-item-5415ff30ea-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-5415ff30ea" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "> <div class="text aem-GridColumn aem-GridColumn--default--10"> <div id="text-0d722e27c5" class="cmp-text"> <ul><li><a data-tracker-locationid="cfs | text1-balancedtargetmarketdetermination" href="https://www.cfs.com.au/content/dam/prospects/fs/8/3/fs8375.pdf" target="_blank" rel="noopener noreferrer">Everyday Investing Balanced Fund</a></li><li><a data-tracker-locationid="cfs | text1-growthtargetmarketdetermination" href="https://www.cfs.com.au/content/dam/prospects/fs/8/3/fs8376.pdf" target="_blank" rel="noopener noreferrer">Everyday Investing Growth Fund</a></li><li><a data-tracker-locationid="cfs | text1-highgrowthtargetmarketdetermination" href="https://www.cfs.com.au/content/dam/prospects/fs/8/3/fs8377.pdf" target="_blank" rel="noopener noreferrer">Everyday Investing High Growth Fund</a></li></ul> </div> </div> </div> </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--10 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--1"> <div id="text-71351408c2" class="cmp-text"> <p>*Product is closed to new investors.</p> </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-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--1"> <div data-cmp-is="container" id="divider-dce40dcd5c" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--10 aem-Grid--default--10 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10"> <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="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-11 "> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--1 aem-GridColumn--offset--default--1"> <div id="text-273a9bb36d" class="cmp-text"> <h3>Procedure guides - financial adviser use only</h3> <p>For distributors of our FirstChoice and FirstWrap products we&#39;ve outlined details of our Target Market Determinations and summarised the information that you’re required to provide us on a regular basis under the DDO reforms.<br /> </p> <ul><li><p><a href="https://www.cfs.com.au/content/dam/prospects/fs/7/7/fs7714.pdf" target="_blank" data-tracker-locationid="cfs | text4-cfstext5firstchoiceprocedureguide" style=" background-color: rgb(255,255,255); " title="FirstChoice procedure guide" rel="noopener noreferrer">FirstChoice procedure guide</a><br /> </p> </li><li><p><a href="https://www.cfs.com.au/content/dam/prospects/fs/7/7/fs7721.pdf" target="_blank" data-tracker-locationid="cfs | text4-cfstext5firstwrapprocedureguide" style=" background-color: rgb(255,255,255); " title="FirstWrap procedure guide" rel="noopener noreferrer">FirstWrap procedure guide</a></p> </li></ul> <p>Please note that these guides are for financial adviser use only and are not relevant to investors.</p> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn 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Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments.</p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">Information on this webpage is provided by AIL and CFSIL. It may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at  <a href="https://www.cfs.com.au/personal/products/target-market-determinations.html?adobe_mc&#61;MCMID%3D10034831447060356831232710854770039119%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1724813424">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. 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