Financial advice is powerful. 65% of Australians who have a financial adviser are confident they’ll have enough money to retire1.
Our easy to use tools and calculators can help you understand your financial situation better,
so you can make more informed decisions about your money.
Retirement Calculator
Quickly and easily estimate how much super you may have in retirement and how much you may need.
Age Pension eligibility calculator
Navigate the Age Pension process with ease with Retirement Essentials' free Age Pension eligibility calculator.
CFS Lifestage Tool
Find out which CFS Lifestage option is designed for you with our easy to use tool.
Funds and Performance Tool
Find information on our available funds including returns, historical performance and unit prices.
Budget Tool
If you’re planning your financial future, a great place to start is to understand where you are today.
Risk Profiler
Knowing your risk tolerance can help you make more informed investment decisions. Find out your risk profile.
Download our CFS app
Track your balance and see your transaction history from anywhere.
1. Source: CFS commissioned survey on 2,247 Australians aged 18+ between July and September 2023.
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. 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.
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 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.
Apple, the apple logo & iPhone are trademarks of Apple Inc, registered in the U.S and other countries. App store
is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
Our team of consultants are here to help our members take better control over
their financial future with general information about their accounts.
Tell me more
Our experienced consultants can provide guidance on:
• Retirement & income streams
• Understanding your account including investment options and performance
• Bringing your super together
• Setting up a new account
•Eligibility for personal super advice
Need help with the Age Pension?
Let's start by checking your eligibility. Click here.
Download our CFS app
Track your balance and see your transaction history from anywhere.
1 Source: CFS commissioned survey on 2,247 Australians aged 18+ between July and September 2023.
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. 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.
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 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.
Apple, the apple logo & iPhone are trademarks of Apple Inc, registered in the U.S and other countries. App store
is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
We want to make financial advice more affordable to more Australians.
So we've partnered with Otivo2 to provide personal advice online around growing and managing your super.
Free 12 months subscription for eligible members3 prior to 30 June 2024.
Usually, a flat annual fee of $88 (including GST)4, deducted from your super account.
Tell me more
Personal super advice is specific to a particular topic or aspect of your account at a point in time.
Otivo provides personal advice online and can help you choose appropriate investment options, advise you on how much to contribute and what type of contribution is right for you.
Online advice to help you be better off
Discover options of topping up your super with extra contributions to extend your super in retirement.
Find an appropriate investment option for your super or pension account.
Help you determine an appropriate type and level of insurance in super for your needs coming soon.
Download our CFS app
Track your balance and see your transaction history from anywhere.
1. Source: CFS commissioned survey on 2,247 Australians aged 18+ between July and September 2023.
2. Otivo Pty Ltd ABN 47 602 457 732 AFSL + Australian Credit Licence 485665.
3. Available to members of FirstChoice Employer Super, FirstChoice Wholesale Personal Super or FirstChoice Wholesale Pension. Exclusions apply. To understand your eligibility, please speak to our consultants by calling 13 13 36 Mon-Fri 8:30am-6pm Sydney time, or book a phone consultation online https://www.cfs.com.au/personal/campaigns/appointment.html
4. On-off Adviser Service Fee will only be deducted after a member has completed the fee consent process.
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. 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.
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 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.
Apple, the apple logo & iPhone are trademarks of Apple Inc, registered in the U.S and other countries. App store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
From simple to complex, get tailored advice with a personal touch from a
qualified professional adviser.
Tell me more
A financial adviser can help you achieve your financial goals based on your risk appetite and financial situation.
Ongoing support is also available should your goals and financial circumstances change over time.
Download our CFS app
Track your balance and see your transaction history from anywhere.
1. Source: CFS commissioned survey on 2,247 Australians aged 18+ between July and September 2023.
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. 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.
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 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.
Apple, the apple logo & iPhone are trademarks of Apple Inc, registered in the U.S and other countries. App store
is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.