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Enjoying your retirement
Make the most of life after work
This is a time to learn, grow, and explore your purpose as you settle into the life you’ve worked so hard to achieve.
While we make it easy for you to manage your money during your next chapter - you’ll still want to ensure your savings last throughout your retirement, and you might want to set up a transfer of wealth for the next generation.
The tools and support on this page will allow you to manage your investments, get expert advice, and understand how long your money will last you.
Simplify aged care with personalised help
CFS members can now access personalised aged care guidance and support through Care & Living with Mercer. This unique service helps families across Australia make better, faster ageing care decisions and supports a range of situations whether you are looking for home care, retirement living options or residential aged care. As a valued CFS member, you’re currently eligible for a $50 discount on this service.
Set up your retirement income
As you move into retirement, it’s important to understand how to access your super in a way that supports your lifestyle. Setting up a retirement income stream can help you turn your super into regular payments, giving you more certainty and control over your income after work.
You can choose how often you receive payments and how much you withdraw, while keeping the rest of your super invested. Taking the time to understand your options now can help you feel more confident about managing your income throughout retirement.
Learn about account‑based pensions
Support and tools for retirement
Need help with your next steps?
Get support from our guidance consultants to help you make confident decisions about your retirement, at no extra cost.
Stay informed
Keep up to date with the latest market updates, changes to government benefits, and information that could affect your retirement income.
Manage your retirement on the go
Check balances, track payments and stay informed wherever you are with the CFS app.
We’ve made nominating a beneficiary simple
You can nominate who you’d like to receive your super online, at a time that suits you. Adding a beneficiary gives you control over who receives your super and any included insurance benefits if you pass away. You can update your details whenever life changes.
Support
We’ve partnered with Care & Co Match to help you and your family navigate aged care, home care, and life’s big changes – with confidence. Their care concierge team is here to help you plan ahead, manage urgent situations, and explore your options through a simple, step-by-step service. It’s practical, independent guidance that makes a complex system simple when you need it most. As a valued CFS member, you’re currently eligible for a $50 discount on this service. Learn more about this service and register today.
Getting the right aged care for yourself or your loved one can be tricky, but we're here to help! Here are some key considerations to help get you started. Learn about Australia’s aged care system
A clear Will gives your loved ones certainty when it matters most. Through our partnership with Safewill, CFS members can now create a legally valid Will online, in under 20 minutes, at no extra cost.
It’s an easy way to make your wishes clear, with a guided online process that makes getting started simple.
The Age Pension could be your main source of income in retirement. Find out whether you can receive the Age Pension, how to maximise it and the additional benefits you can access. Learn about the Age Pension
We've partnered with Retirement Essentials to offer you a 10% discount on selected services, including the Age Pension application process. Learn about Retirement Essentials
An annuity might be a good option if you're looking for a guaranteed income stream during retirement, either for a set period of time or for life. Learn about annuities
Generating a steady income in retirement can help you enjoy a comfortable future. We've explored some ways to diversify your income in retirement for you to consider. Learn about other income streams
We’ve made managing your money easier and simpler than ever. Whether you want to track your accounts, make an investment, access your statements, or start a retirement income stream, you can do so digitally, and in minutes.
Our mobile app allows you to manage your super, investments, and retirement accounts with ease. Our handy online portal, FirstNet, gives you full investment control at your fingertips.
Am I paying more tax than I need to?
Discover tax-saving strategies
How can I make a withdrawal from my CFS pension or investments?
What is my minimum pension payment?
We offer a range of advice services for our members. Whether you have something specific in mind or need help finding the right fit, we're here to guide you based on your unique needs and situation. Learn about our advice options
We're here to help
Get in touch
Get in touch with us online or call us 8:30am to 6pm (Sydney time) Monday to Friday.
Find the right advice option
Our dedicated team can help you choose from a range of different financial advice options.
Download mobile app
Track your balance and see your transaction history from anywhere.
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products.
Information on this webpage is provided by AIL. It may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at https://www.cfs.com.au/tmd which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at www.cfs.com.au or by calling us on 13 13 36.
Past performance or awards are no indication of future performance.