Colonial First State: Investment, Superannuation and Retirement Products

Colonial First State provides over 180 investment options to tailor your superannuation to your specific needs.
Colonial First State MySuper options have delivered strong 1-year returns (see the comparison table for exact figures) and fees often range $380-$400 on $50k.
Their members rate Trust at 4.52/5, above average, with online tools like FirstNet for account management.

Colonial First State (CFS) is one of Australia's biggest financial services organisations. As one of the largest managers of superannuation funds they offer over 180 investment options across different asset classes.

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Finder Score	Last 1 year performance (p.a.)	Last 3 year performance (p.a.)	Last 5 year performance (p.a.)	Last 10 year performance (p.a.)	Fees on $50k balance (p.a.)
9 Excellent CFS FC MySuper - Lifestage 1950-54 Lifestage	9 Excellent	Last 1 year performance (p.a.) +8.46%	Last 3 year performance (p.a.) +8.99%	Last 5 year performance (p.a.) +5.35%	Last 10 year performance (p.a.) +5.28%	Fees on $50k balance (p.a.) $380	View details Compare product selectionCompare	loading
9.4 Excellent CFS FC MySuper - Lifestage 1995-99 LifestageHigher risk	9.4 Excellent	Last 1 year performance (p.a.) +13.81%	Last 3 year performance (p.a.) +14.02%	Last 5 year performance (p.a.) +9.05%	Last 10 year performance (p.a.) +9.51%	Fees on $50k balance (p.a.) $390	View details Compare product selectionCompare	loading
9.1 Excellent CFS FC MySuper - Lifestage 1955-59 Lifestage	9.1 Excellent	Last 1 year performance (p.a.) +8.55%	Last 3 year performance (p.a.) +9.06%	Last 5 year performance (p.a.) +5.4%	Last 10 year performance (p.a.) +5.38%	Fees on $50k balance (p.a.) $380	View details Compare product selectionCompare	loading
9.4 Excellent CFS FC MySuper - Lifestage 2000-04 LifestageHigher risk	9.4 Excellent	Last 1 year performance (p.a.) +13.94%	Last 3 year performance (p.a.) +14.05%	Last 5 year performance (p.a.) +9.02%	Last 10 year performance (p.a.) +9.58%	Fees on $50k balance (p.a.) $390	View details Compare product selectionCompare	loading
9.4 Excellent CFS FC MySuper - Lifestage 1990-94 LifestageHigher risk	9.4 Excellent	Last 1 year performance (p.a.) +13.84%	Last 3 year performance (p.a.) +14.03%	Last 5 year performance (p.a.) +9.07%	Last 10 year performance (p.a.) +9.45%	Fees on $50k balance (p.a.) $390	View details Compare product selectionCompare	loading
9.7 Excellent CFS FC MySuper - Lifestage 2005-09 NewLifestageHigher risk	9.7 Excellent	Last 1 year performance (p.a.) +13.98%	Last 3 year performance (p.a.) +14.29%	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $390	View details Compare product selectionCompare	loading
9.6 Excellent CFS FC MySuper - Lifestage 1970-74 LifestageHigher risk	9.6 Excellent	Last 1 year performance (p.a.) +12.07%	Last 3 year performance (p.a.) +12.57%	Last 5 year performance (p.a.) +8.03%	Last 10 year performance (p.a.) +8.84%	Fees on $50k balance (p.a.) $395	View details Compare product selectionCompare	loading
9.1 Excellent CFS FC MySuper - Lifestage 1960-64 LifestageHigher risk	9.1 Excellent	Last 1 year performance (p.a.) +9.44%	Last 3 year performance (p.a.) +9.6%	Last 5 year performance (p.a.) +5.58%	Last 10 year performance (p.a.) +6.33%	Fees on $50k balance (p.a.) $385	View details Compare product selectionCompare	loading
9 Excellent CFS FC MySuper - Lifestage 1945-49 Lifestage	9 Excellent	Last 1 year performance (p.a.) +8.48%	Last 3 year performance (p.a.) +9.01%	Last 5 year performance (p.a.) +5.37%	Last 10 year performance (p.a.) +5.29%	Fees on $50k balance (p.a.) $385	View details Compare product selectionCompare	loading
9.4 Excellent CFS FC MySuper - Lifestage 1985-89 LifestageHigher risk	9.4 Excellent	Last 1 year performance (p.a.) +13.88%	Last 3 year performance (p.a.) +14.07%	Last 5 year performance (p.a.) +9.12%	Last 10 year performance (p.a.) +9.47%	Fees on $50k balance (p.a.) $400	View details Compare product selectionCompare	loading
9.3 Excellent CFS FC MySuper - Lifestage 1965-69 LifestageHigher risk	9.3 Excellent	Last 1 year performance (p.a.) +11.01%	Last 3 year performance (p.a.) +11.56%	Last 5 year performance (p.a.) +7.31%	Last 10 year performance (p.a.) +8.18%	Fees on $50k balance (p.a.) $395	View details Compare product selectionCompare	loading
9.8 Excellent CFS FC MySuper - Lifestage 1975-79 LifestageHigher risk	9.8 Excellent	Last 1 year performance (p.a.) +13.02%	Last 3 year performance (p.a.) +13.44%	Last 5 year performance (p.a.) +8.68%	Last 10 year performance (p.a.) +9.22%	Fees on $50k balance (p.a.) $395	View details Compare product selectionCompare	loading
9.3 Excellent CFS FC MySuper - Lifestage 1980-84 LifestageHigher risk	9.3 Excellent	Last 1 year performance (p.a.) +13.63%	Last 3 year performance (p.a.) +13.93%	Last 5 year performance (p.a.) +9.01%	Last 10 year performance (p.a.) +9.41%	Fees on $50k balance (p.a.) $395	View details Compare product selectionCompare	loading

Showing 13 of 13 results

The information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.

*Past performance data and fee data is for the period ending June 2026

Finder Score for super funds

Finder Score makes comparing superannuation products easier by scoring products out of 10 after assessing their performance, fees and features.

We assess products from over 40 providers based on their risk profile.

Read the full methodology

Quick facts about Colonial First State

Colonial First State has been offering retirement solutions for more than 30 years.
It has close to 1 million members and more than 180 different investment products to choose from.
It received a SuperRatings MyChoice Platinum Rating for FirstChoice Employer Super and FirstChoice Wholesale Personal Super in 2026
It won Money Magazine's Best-Value Super Fund for Young People (Essential Super) in the Best of the Best 2026 awards.

What you need to know about Colonial First State

Colonial First State was established in 1988 and has close to 1 million members. They provide superannuation, investment and retirement products to individual employees, as well as corporate based and superannuation investors.

You have access to over 180 different investment options, some of which are managed by Colonial First State, while others are overseen by expert investment managers. You manage your super funds growth as well, with constant online access to the account so that you can keep track of how well your superannuation funds are performing.

Avanteos Investments Limited (AIL) is the trustee of the CFS super and pension funds, and Colonial First State Investments Limited (CFSIL) is the responsible entity for non-super investments.

Is the online platform easy to use?

Colonial First State has developed FirstNet, an online platform which allows you personal access to your super fund account from any device connected to the web. Through FirstNet you are able to:

See your current balance
Check past transactions
Study investment details
Make changes to your investment options
Make contributions to your fund

A mobile friendly dashboard, FirstNet Investor, is also available. With this product you can quickly catch up with your investment funds even when you are on the go.

Let’s take a look at what Colonial First State have to offer

When comparing wealth managers across Australia, Colonial First State will give you a lot to think about with their wide range of products suitable for both individual and company superannuation funds:

FirstChoice Personal Super and Wholesale Personal Super. Overseen by a number of investment managers, the Wholesale Personal Super requires a minimum balance of $1,500. This gives you access to over 180 funds and options designed for superannuation growth.
FirstChoice Employer Super. This employer based fund provides access to a range of multi-manager portfolios and single manager investments.
FirstRate Saver. This is a low risk cash account which helps you to preserve your capital as it earns a competitive interest rate through conservative investments.
FirstWrap. This full service wrap platform gives you access to a diverse number of products including direct shares, managed funds, term deposits and unlisted

What pension accounts are offered by Colonial First State?

The FirstChoice Wholesale Pension is available to Australians who are ready to retire from the work force and have a minimum of $20,000 to investment into a pension account. You are permitted to allow your funds to continue to grow with access to over 180 different funds and options.

How to apply for a Colonial First State super fund

If the options given to you with Colonial First State meet your investment needs, you can apply for any one of their superannuation online through their website. Be sure that you first read through the product information before deciding on any one investment product. Once you have completed that step, the online application process will be broken down into five parts:

Your details. You will need to give your name, address and contact information along with your tax file number (TFN) and the type of product you will be investing in.
Account details. In this step you will be asked how you will be funding the investment. This could be with direct debit, direct credit, BPAY or a cheque. Your bank account details will be required as well as rollover or contribution information if you are opening a super of pension account.
Transaction details. The amount you are able to invest and the specific options will be chosen by you will be required in this step of the application.
Confirmation. Review the online application to ensure that all of the information is correct before submitting the application.
Your account. After submitting the application your account will be opened, but will not become active until after your initial deposit has cleared.

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Written by

Alison Banney

Editorial Manager, Money

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Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise

Alison has written 648 Finder guides across topics including:

Superannuation
Savings accounts, bank accounts and term deposits
Budgeting and money-saving hacks
Managing the cost of living

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Colonial First State: Investment, Superannuation and Retirement Products

Colonial First State is one of the largest managers of superannuation funds in Australia with close to 1 million members and 180 investment options available.