BT Lifetime Super - Employer MySuper

Past 5-year return
8.63%
Admin fee
$78
Calculated Fees on 50k
$683
Access to 24 hour internet and telephone transaction services.
No additional charges applied when switching investments or making a withdrawal.
Interactive education online service containing newsletters and videos.
Educational seminars accessible to larger employer plans.
Discounted pricing for large plans.
Flexible insurance arrangements.
BT Lifetime Super Employer Plan was established in 1990 by BT Financial Group, the wealth management division of the Westpac Group. The fund is MySuper compliant and has been designed to facilitate the retirement needs of members from participating employer groups.The BT Lifetime Super Employer Plan MySuper option places members in one of seven lifestage investments, which are based off the decade the member was born. Growth assets held within the investment strategy will automatically decline with age. The MySuper 1960s Lifestage Fund has underperformed the SuperRatings Index over the three-year period to 30 June 2017. Members who wish to make an investment choice, may also select from a wide range of managed funds. Fees are lower than the industry average across most of the assessed account balances. No switching or exit fees are charged; however, a buy-sell spread may be charged when investing or withdrawing from options.The MySuper account allows members the ability to apply for an unlimited amount of Death cover and $5 million of TPD cover. Income protection is also available for up to 90% of the salary (including a super contribution) to a limit of $30,000 per month.This product provides members with the ability to access their accounts at any time with BT Online, as well as a range of educational materials, calculators and reporting facilities on the fund's website. Members also have access to discounting services on everyday items with the fund's Benefits Now program.

Fees & fund features

Admin fee
Admin fee
$78
Exit fee
Exit fee
$0
Financial planning service
Financial planning service
Credit cards
Credit cards
Insurance life event increases
Insurance life event increases
Investment fee
Investment fee
0.50%
Account size discount
Account size discount
Health insurance
Health insurance
Binding nominations
Binding nominations
Anti-detriment payments
Anti-detriment payments
Switching fee
Switching fee
$0
Employer size discount
Employer size discount
Home loans
Home loans
Non-lapsing binding nominations
Non-lapsing binding nominations
Long term income protection
Long term income protection
Admin fee
Admin fee
$78
Exit fee
Exit fee
$0
Financial planning service
Financial planning service
Credit cards
Credit cards
Insurance life event increases
Insurance life event increases
Investment fee
Investment fee
0.50%
Account size discount
Account size discount
Health insurance
Health insurance
Binding nominations
Binding nominations
Anti-detriment payments
Anti-detriment payments
Switching fee
Switching fee
$0
Employer size discount
Employer size discount
Home loans
Home loans
Non-lapsing binding nominations
Non-lapsing binding nominations
Long term income protection
Long term income protection
Fund fees vs. Industry average
Fund past-5-year return vs. Industry average
Investment allocation
Investment option performance
+ View additional option performance information
Company
Product
Past 5-year return
Admin fee
Past 5-year return
Calculated Fees on 50k
Features
SuperRatings awards
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