CFS Superannuation: Your super fund solution

If you have a self-managed super fund (SMSF) and you want to invest in CFS investment options please speak to your financial adviser about the best way to do this.

FirstChoice Wholesale Personal Super is our retail super fund that’s open to everyone. It has 40% lower admin fees than the industry super average* and offers more than 180 investment options to suit different investment strategies and risk appetites, including options from some of the world’s leading fund managers.

You can choose from:

• professionally constructed investment portfolios that invest in a range of asset classes with a mix of investment managers 
• a do-it-yourself portfolio where you can pick and choose how you would like to invest your super
• a range of FirstChoice Managed Accounts within our FirstChoice Managed Accounts service, if you have a financial adviser.

Join FirstChoice Wholesale Personal Super

Find out more in the FirstChoice Wholesale Personal Super Product Disclosure Statement and Target Market Determination

If you’re ready to go, you can join now.

FirstChoice Employer Super is available to people whose employer has chosen CFS as their default super product for employees. It has a wide range of benefits, including automatic insurance cover for eligible employee members. 

If you’re a FirstChoice Employer Super member, your spouse can join the fund as well. And you can choose to stay with us even if you change your job. 

There are 65 investment options in FirstChoice Employer Super, spanning a wide range of asset classes and investment managers. You can choose from:

• professionally constructed investment portfolios that invest in a range of asset classes with a mix of investment managers 
• a do-it-yourself portfolio where you can pick and choose how you would like to invest your super.

Join FirstChoice Employer Super

Find out more in the FirstChoice Employer Super Product Disclosure Statement and Target Market Determination. 

The CFS MySuper product is called FirstChoice Lifestage. It’s a simple, low-cost product designed to adjust how it invests throughout your working life.

While some people actively monitor their super and are comfortable making investment decisions, FirstChoice Lifestage is best suited for people who prefer to have a team of investment managers deciding how their super should be invested. 

As well as choosing which super fund to go with, another decision you'll need to make is how you want your super to be invested. 

CFS provides you with access to a wide range of investment options, from some of the world’s most respected investment managers. You can choose from different asset classes such as shares, fixed interest, property and cash, all in the one place.

When choosing an investment strategy for your super, it’s important to consider your personal circumstances, define your objectives and set realistic goals. You’ll also need to think about how much risk you're comfortable with and how long you're investing for. Our Risk Profiler is a great place to start. 

Professionally constructed investment portfolios

If you want a convenient and simple way of diversifying your investment, you can select one or more of our professionally constructed investment portfolios. They’re a portfolio of investments that are diversified across investment managers, asset classes and investment styles – into one single portfolio.

Tailor your own investment portfolio 

If you’re the hands-on type, you may want to tailor your own investment portfolio by selecting one investment option or a combination of different investment options. 

As your investment needs change over time, our wide investment choice enables you to adjust your portfolio to suit your changing needs.

Focus on sustainability

If you want to invest in a sustainable option, you may be interested in CFS Thrive+ Sustainable Growth or one of our other sustainable options. 

How much risk are you willing to take with your super? Understanding your risk tolerance can help you feel more comfortable making investment decisions.

Different investment strategies and timeframes have different levels of risk. As a general rule, the bigger the potential investment return, the higher the investment risk.

Our Risk Profiler asks six simple questions to understand how you feel about risk. Based on your responses, it will suggest what your appetite for risk may be.

Keep in mind that this tool should be used as a guide only. It won’t reflect your personal circumstances.

What’s my risk profile?