With FirstChoice Employer Super, you’ll be providing your employees with access to a range of investment options. We support those who prefer the simplicity of an automated strategy, as well as those who enjoy taking a more active role in managing their super.
Option 1: We do the work (FirstChoice Lifestage)
With FirstChoice Lifestage, we set the investment mix according to the member’s age and adjust it over time.
Option 2: Member chooses their professionally constructed portfolio
(Multi-manager or multi-index options)
The member chooses from one or more of our professionally constructed multi-manager portfolios.
Option 3: Member tailors their own portfolio
(Other multi-sector and single-manager options)
The member can work with their adviser to set their asset allocation and choose from our investment menu.
Our default investment option – FirstChoice Lifestage
With different people needing different things from their super, it’s critical that the default option is adaptable.
FirstChoice Lifestage is an investment option that automatically adjusts member's investment mix to suit their lifestage. This means your employees can stay in one investment option where the asset mix changes as they get closer to retirement.
This approach aims to:
- Reduce the impact of any volatile returns just prior to retirement
- Maximise the potential for returns when the member is young.
FirstChoice Lifestage at a glance:
- MySuper approved
- Highly diversified
- Auto-adjusts – The investment mix adjusts automatically as the member gets closer to retirement
- Professionally managed – Delivered by the expert investment team at Colonial First State.
View the FirstChoice Lifestage option MySuper dashboards
Investment choice and flexibility
Not all your employees will want to invest in the default option. More engaged investors may like to choose their investment mix. While for others, their personal circumstances may dictate the need for an investment mix that is different to others in their age group.
We offer these members the option of constructing their own investment portfolios from our comprehensive investment menu including a range of multi-manager and single manager options.
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. This document may include general advice but does not take into account your individual objectives, financial situation or needs. You should read the relevant Product Disclosure Statement (PDS), Financial Services Guide (FSG), and Product Flyers carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. The PDS, FSG and Product Flyers can be obtained from colonialfirststate.com.au or by calling us on 1300 654 666.