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Working with you to

Working with you to

deliver better member outcomes

deliver better member outcomes


At Colonial First State, we believe that a more viable and sustainable superannuation system is vital to delivering better retirement outcomes for Australians today and in the future.

We’re committed to putting members’ interests at the centre of everything we do. Importantly, we remain a strong advocate for financial advice; we are very proud of our association with you and greatly value the significant role you play in helping your clients achieve financial wellbeing.

Our focus in 2020

We’re focused on making the necessary changes across these key aspects of our business to comply with new regulations and to ensure we deliver to our purpose of creating better products for members:

Simplifying fees and removal of grandfathered payments and commissions

We're simplifying the fees we charge to ensure our products continue to meet member expectations.

Advice fees

We’re taking the necessary steps to be more transparent with members and follow best practice guidance from ASIC and APRA on the deduction of ongoing advice fees from super and pension accounts.

Super reforms

We’re working to help you and your clients better understand the new rules for super introduced by the Government’s Protecting Your Super and Putting Members’ Interests First reforms that are designed to protect Australians’ retirement savings.


Adviser Use Only

Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (Colonial First State) is the issuer of FirstChoice Personal Super, FirstChoice Wholesale Personal Super, FirstChoice Pension, FirstChoice Wholesale Pension, FirstChoice Employer Super offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557. It also issues interests in the Rollover & Superannuation Fund (ROSCO) and Personal Pension Plan (PPP) offered from the Colonial First State Rollover & Superannuation Fund ABN 88 854 638 840. Colonial First State also issues interests in products made available under FirstChoice Investments and FirstChoice Wholesale Investments. Colonial First State is a wholly owned subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (the Bank). The Bank and its subsidiaries do not guarantee the performance of FirstChoice products or the repayment of capital for your investment.

Colonial First State Custom Solutions is the registered business name of Avanteos Investments Limited ABN 20 096 259 979, AFS Licence 245531 (AIL). AIL is the trustee of the Avanteos Superannuation Trust ABN 38 876 896 681 which includes FirstWrap Plus Super and Pension, and is the operator of The Avanteos Wrap Account Service which includes FirstWrap Plus Investments. AIL is owned ultimately by Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (the Bank). The Bank and its subsidiaries do not guarantee the performance of AIL products or the repayment of capital by AIL. This is based on the understanding of current regulatory requirements and laws as at December 2019. While all care has been taken in the preparation of this document (using sources believed to be reliable and accurate), to the maximum extent permitted by law, no person including Colonial First State or any member of the Commonwealth Bank group of companies, accepts responsibility for any loss suffered by any person arising from reliance on this information. This document contains general information strictly for adviser use only and is not to be handed to any investor. It does not take into account any person’s individual objectives, financial situation, needs or taxation circumstances. You should read the relevant Product Disclosure Statement (PDS) or Investor Directed Portfolio Service Guide (IDPS Guide) before making any recommendations. Investors should read the relevant PDS or IDPS Guide before making an investment decision and consider talking to a financial adviser. Investors can obtain FirstChoice PDSs from or by calling 13 13 36 and FirstWrap PDSs and IDPSs from their adviser or

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