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Home / Super funds / Colonial First State FirstChoice

Colonial First State FirstChoice

This is a SuperGuide profile of CFS FirstChoice, including fund performance, value of assets under management, contact details, and administration details (such as ABN and USI).

This profile is factual information and is not an advertisement or recommendation for CFS FirstChoice. View other super fund guides.

CFS FirstChoice overview

CFS FirstChoice is a Public offer Retail fund.

Learn more about MySuper funds and the different types of super funds.

CFS FirstChoice ranks 7 in terms of total member benefits, which are valued at approximately $96.17 billion.

In terms of members, CFS FirstChoice ranks 11, with 616,027 members. In the 2025 financial year, the number of CFS FirstChoice members changed by -5%, which places them at 58 of 95 funds in terms of growth.

CFS FirstChoice is one of the 14 super funds that has committed to achieving net-zero absolute carbon emissions in their investment portfolios by 2050, in alignment with the Paris Agreement.

CFS FirstChoice ABN

The CFS FirstChoice ABN number is 26458298557.

CFS FirstChoice has the following USI numbers

Colonial First State FirstChoice Pension FSF0218AU
FirstChoice Employer Super FSF0361AU
FirstChoice Wholesale Pension FSF0510AU
FirstChoice Wholesale Personal Super FSF0511AU
Total Care Plan Super 26458298557008

Note: A USI (Unique Superannuation Identifier) helps you or your employer know you are paying super contributions into the correct super fund.

CFS FirstChoice super investment options

Default option (MySuper)

Strategy type Lifecycle

Growth assets

CFS Lifestage (1945-49)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.6% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (1950-54)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.6% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (1955-59)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.6% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (1960-64)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.6% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (1965-69)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.61% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (1970-74)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.61% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (1975-79)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.61% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (1980-84)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.61% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (1985-89)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.62% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (1990-94)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.61% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (1995-99)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.61% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (2000-04)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.61% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Lifestage (2005-09)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.62% 0.1%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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Other multi-sector super investment options

FirstChoice Employer Super

Growth assets

CFS Enhanced Index High Growth CFS Enhanced Index High Growth growth asset 99%

Percentage of growth assets 99%
Investment category All growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS High Growth CFS High Growth growth asset 99%

Percentage of growth assets 99%
Investment category All growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.74% 0.05%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Index High Growth CFS Index High Growth growth asset 99%

Percentage of growth assets 99%
Investment category All growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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AZ Sestante Growth AZ Sestante Growth growth asset 80%

Percentage of growth assets 80%
Investment category Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Growth CFS Enhanced Index Growth growth asset 80%

Percentage of growth assets 80%
Investment category Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Index Growth CFS Index Growth growth asset 80%

Percentage of growth assets 80%
Investment category Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Thrive+ Sustainable Growth CFS Thrive+ Sustainable Growth growth asset 80% ESG

Percentage of growth assets 80%
Investment category Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Growth CFS Growth growth asset 78%

Percentage of growth assets 78%
Investment category Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.64% 0.05%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Enhanced Index Balanced CFS Enhanced Index Balanced growth asset 70%

Percentage of growth assets 70%
Investment category Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Index Balanced CFS Index Balanced growth asset 70%

Percentage of growth assets 70%
Investment category Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Balanced CFS Balanced growth asset 68%

Percentage of growth assets 68%
Investment category Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.67% 0.15%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Enhanced Index Moderate CFS Enhanced Index Moderate growth asset 60%

Percentage of growth assets 60%
Investment category Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Index Moderate CFS Index Moderate growth asset 60%

Percentage of growth assets 60%
Investment category Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Moderate CFS Moderate growth asset 58.5%

Percentage of growth assets 58.5%
Investment category Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.61% 0.15%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Diversified CFS Diversified growth asset 50%

Percentage of growth assets 50%
Investment category Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.6% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Diversified CFS Enhanced Index Diversified growth asset 50%

Percentage of growth assets 50%
Investment category Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Index Diversified CFS Index Diversified growth asset 50%

Percentage of growth assets 50%
Investment category Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Conservative CFS Enhanced Index Conservative growth asset 30%

Percentage of growth assets 30%
Investment category Conservative

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Index Conservative CFS Index Conservative growth asset 30%

Percentage of growth assets 30%
Investment category Conservative

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Conservative CFS Conservative growth asset 29%

Percentage of growth assets 29%
Investment category Conservative

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.51% 0.15%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Defensive CFS Defensive growth asset 10%

Percentage of growth assets 10%
Investment category Conservative

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.45% 0.15%

Fee comparison is only available to SuperGuide members.

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FirstChoice Wholesale Personal Super

Growth assets

CFS Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.9% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS Conservative

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.81% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS Defensive

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.75% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS Diversified

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.84% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.54% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Conservative

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.47% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Diversified

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.5% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.58% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index High Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.61% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Moderate

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.52% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.91% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS Index Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Index Diversified

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Index High Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Index Moderate

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1945-49)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.44% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1950-54)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.44% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1955-59)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.44% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1965-69)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.45% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1970-74)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.45% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1975-79)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.45% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1980-84)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.45% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1985-89)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.46% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1990-94)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.45% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1995-99)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.45% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (2000-04)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.45% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (2005-09)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.46% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Moderate

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.86% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS Real Return

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.87% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS Thrive+ Sustainable GrowthESG

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.73% 0.1%

Fee comparison is only available to SuperGuide members.

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Other single sector super investment options

FirstChoice Employer Super

CFS Australian Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.57% 0.07%

Fee comparison is only available to SuperGuide members.

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CFS Australian Small Companies

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.91% 0.2%

Fee comparison is only available to SuperGuide members.

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CFS Fixed Interest

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.42% 0.2%

Fee comparison is only available to SuperGuide members.

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CFS Geared Global Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.94% 0.31%

Fee comparison is only available to SuperGuide members.

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CFS Geared Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Global Infrastructure Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Global Property Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.45% 0.03%

Fee comparison is only available to SuperGuide members.

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CFS Global Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.79% 0.04%

Fee comparison is only available to SuperGuide members.

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CFS Index Australian Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Index Property Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0 – – 0 0

Fee comparison is only available to SuperGuide members.

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CFS Property Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
$60 0.04% – – 0.46% 0.2%

Fee comparison is only available to SuperGuide members.

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FirstChoice Wholesale Personal Super

CFS Australian Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.85% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS ETF Exposure Series: All-World ex-US Shares

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.12% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS ETF Exposure Series: Physical Gold

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.43% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS ETF Exposure Series: US Shares

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.1% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS ETF Exposure Series: US Treasury Bills

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.27% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Cash

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0

Fee comparison is only available to SuperGuide members.

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CFS Fixed Interest

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.67% 0.2%

Fee comparison is only available to SuperGuide members.

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CFS Geared Index Australian Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.98% 0.2%

Fee comparison is only available to SuperGuide members.

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CFS Geared Index Global Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 1.02% 0.2%

Fee comparison is only available to SuperGuide members.

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CFS Index Australian Bond

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.15% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Australian Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Global Bond

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.19% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Index Global Listed Infrastructure Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.19% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Global Property Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.18% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Global Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Global Share – Hedged

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.19% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Property Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.15% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Property Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.76% 0.2%

Fee comparison is only available to SuperGuide members.

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See also our guides to the best performing super funds and super fund rankings.

Offers DIY investments

CFS FirstChoice members can also invest their super in specific shares, ETFs and other direct investments. Learn more

Offers TTR pension

CFS FirstChoice also offers transition to retirement (TTR) pension investment options. Learn more

CFS FirstChoice pension investment options

Multi-sector pension investment options

Growth assets

CFS High Growth CFS High Growth growth asset 99%

Percentage of growth assets 99%
Investment category All growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.99% 0.15%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Growth CFS Growth growth asset 78%

Percentage of growth assets 78%
Investment category Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.91% 0.15%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Balanced CFS Balanced growth asset 68%

Percentage of growth assets 68%
Investment category Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.9% 0.15%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Moderate CFS Moderate growth asset 58.5%

Percentage of growth assets 58.5%
Investment category Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.86% 0.15%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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CFS Conservative CFS Conservative growth asset 29%

Percentage of growth assets 29%
Investment category Conservative

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.81% 0.15%

Fee comparison is only available to SuperGuide members.

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Performance

Fund performance is only available to SuperGuide members.

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Pendal Smaller Companies Pendal Smaller Companies growth asset 29%

Percentage of growth assets 29%
Investment category Conservative

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.85% 0.3%

Fee comparison is only available to SuperGuide members.

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CFS Defensive

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.75% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS Diversified

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.84% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS ETF Exposure Series: US Treasury Bills

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.27% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.54% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Conservative

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.47% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Diversified

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.5% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.58% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index High Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.61% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Index Moderate

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.52% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Index Balanced

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Index Conservative

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Diversified

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Index High Growth

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Moderate

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1945-49)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.44% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1950-54)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.44% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1955-59)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.44% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Lifestage (1960-64)

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.44% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Real Return

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.87% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS Thrive+ Sustainable GrowthESG

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.73% 0.1%

Fee comparison is only available to SuperGuide members.

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Single sector pension investment options

CFS Australian Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.85% 0.15%

Fee comparison is only available to SuperGuide members.

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CFS ETF Exposure Series: All-World ex-US Shares

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.12% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS ETF Exposure Series: Physical Gold

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.43% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS ETF Exposure Series: US Shares

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.1% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Enhanced Cash

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0

Fee comparison is only available to SuperGuide members.

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CFS Fixed Interest

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.67% 0.2%

Fee comparison is only available to SuperGuide members.

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CFS Geared Index Australian Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.98% 0.2%

Fee comparison is only available to SuperGuide members.

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CFS Geared Index Global Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 1.02% 0.2%

Fee comparison is only available to SuperGuide members.

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CFS Index Australian Bond

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.15% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Index Australian Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.15% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Global Bond

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.19% 0.1%

Fee comparison is only available to SuperGuide members.

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CFS Index Global Listed Infrastructure Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.19% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Global Property Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.18% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Global Share

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.17% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Global Share – Hedged

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.19% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Index Property Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.15% 0.05%

Fee comparison is only available to SuperGuide members.

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CFS Property Securities

Fees

Admin fee fixed Admin fee % Admin fee cap General reserves Investment fees and costs Transaction costs
0 0.2% – – 0.76% 0.2%

Fee comparison is only available to SuperGuide members.

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See also our guides to the best performing pension funds and pension fund rankings.

If your fund is not listed as a top performer, check where it appears in our pension fund rankings.

Awards won by CFS FirstChoice

In recent years CFS FirstChoice has won the following awards:

2026

  • Adviser Servicing (SuperRatings)

2025

  • Momentum (SuperRatings)

2021

  • Best Fund: Longevity Product (Chant West)

2020

  • Best Fund: Longevity Product (Chant West)

2016

  • Pension Fund of the year (Chant West)

2015

  • Advised Product of the Year (Chant West)

2014

  • Advised Product of the Year (Chant West)

Learn more about the Super funds of the year awards and Pension funds of the year awards.

CFS FirstChoice insurance

CFS FirstChoice provides the following types of insurance:

  • Life insurance (death cover)
  • Total and permanent disablement (TPD) cover
  • Income protection cover

Learn more about insurance through your super fund.

CFS FirstChoice administration details

Below you can find the administration details for CFS FirstChoice including whether the super fund is open to the general public (Public offer) or not (Non public offer) and how CFS FirstChoice is structured. You can also learn how their expenses ratio compares to other super funds, as well as the gender ratio and remuneration of their board directors.

Fund’s RSE licensee Avanteos Investments Limited
Public offer status Public offer
Fund type Retail
RSE licensee ownership type Non equal representation
RSE licensee profit status For profit status
RSE licensee board structure Financial services corporation ownership
RSE licensee balance date 6/30/2024
Operating expenses ratio 0.1% (average is 0.49%)
Number (and percentage) of female directors 2 (40%% – average is 40.7%)
Number (and percentage) of male directors 3 (60%% – average is 59.3%)
Total remuneration of directors on trustee board $1,038,000 (average is $743,412)
Average remuneration of directors on trustee board $208,000 (average is $102,069)

Sources: APRA and publicly available information. Data contained in this table as of 30 June 2025

CFS FirstChoice contact details

Below you can find contact details for CFS FirstChoice including website, email and physical address as well as social media accounts if they are available.

Address

GPO Box 3956
Sydney
NSW
2001

Phone number 13 13 36
Email address contactus@cfs.com.au
Website www.cfs.com.au
Social media accounts

Copyright text: All explanatory text is the copyright of SuperGuide Pty Ltd. All data information is the copyright of Australian Prudential Regulation Authority (APRA) . All data information is licensed under the Creative Commons Attribution 3.0 Australia Licence (CCBY 3.0).

Please see APRA Disclaimer, Important notice, Explanatory notes and Glossary