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One super’s more super
Have multiple super accounts in your name? Combine them now to maximise your dollars.
Why combine multiple super accounts?
Keep your hard-earned dollars
Stop multiple account fees draining your balance. When you choose to combine your super into a single fund, you’ll pay less on admin,
so your savings actually stay invested.
Maximise your super investment
With less money spent on fees and more money staying in your super, you have a bigger base to benefit from strong performance. Thanks to compound returns, this base grows more powerful over time, supercharging your investment.
Stay in control of your super
With your super combined into a single account with CFS, it’s easy to see how it’s tracking. See how your savings are performing and make any adjustments to your investment preferences – effortlessly.
Tap into the super power of compound returns
The longer your balance has to grow, the harder it works for you. That means a small change now, like combining your super accounts so you pay less in admin fees, can make a big difference in the long run.
The power of compounding:
$100 growing at 6% per year
$133
$240
$429
$769
$1376
Not sure if you have multiple super accounts?
You're not alone. There's approximately $17.8 billion in lost and unclaimed super in Australia*. If you’ve ever changed jobs, taken time off work, lived overseas or moved house, you might have lost track of super. But there’s an easy way to get it back.
How to combine super accounts
On Desktop
1. Log in to your FirstNet account
2. Choose 'Consolidate my super'
3. Follow the prompts
On Mobile
2. Tap ‘My CFS’ then ‘Consolidate super’
3. Follow the prompts
Things to check before you combine your super
Which insurances you have, and which super accounts they’re associated with
Make sure the account you're keeping has enough cover to meet your needs. You can check which insurances are attached to your CFS account through FirstNet.
Where your employer contributions are going
If they’re currently going to an account you want to close, you’ll need to let your employer know where they should go from now on. Need to bring your super to your FirstChoice account? Use the CFS Super Choice - Fund Nomination form.
If there are any other regular contributions going into an account you’re closing
You’ll need to change any salary sacrifice or regular direct debits so they go into the super account you’re keeping open. Speak to your employer or bank to sort this out.
If you have a SMSF or defined benefit fund
It’s best to speak to a financial adviser before combining your accounts to ensure you’re across all the implications. You can use Find an Adviser if you don’t already have one.
Strong performance. Expert service. Consistently awarded.
Money magazine
Best of the Best
2024
Highest Super Performer - FirstChoice Employer - CFS Geared Share Select
Money magazine
Best of the Best
2024
Best Fixed Interest Pension Product
- FirstChoice Wholesale Pension - First Sentier Global Credit Income
Money magazine
Best of the Best
2024
Highest Pension Performer - FirstChoice Wholesale Pension - CFS Geared Share
Unleash in ways you never thought possible
Past performance is not an indicator of future performance.
The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). AIA Australia is part of the AIA Group. The respective insurance covers are provided under policies issued to the trustee.
Tax considerations are general and based on present tax laws and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information.
AIL and CFSIL are not registered tax (financial) advisers under the Tax Agent Services Act 2009 and you should seek tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on this information to satisfy the liabilities or obligations or claim entitlements that arise under a tax law.
Avanteos Investments Limited ABN 20 096 259 979, ASL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products. Colonial First State Investments Limited ABN 98 002 348 352, AFL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice
Investments and FirstChoice Wholesale Investments.
Information on this webpage is provided by AlL 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 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.