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BT Super for Life - Retirement Account

Past 5-year return
7.10%
Admin fee
$78
Calculated Fees on 50k
$663
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BT Super for Life is a superannuation product that can take you from your first job through to retirement.
View and manage your super every time you log in to internet banking.
Transactions can be performed online such as switching, updating beneficiary details and obtaining standard insurance. All communications and correspondence are online.
10 minute online application process.
BT Super for Life Retirement Account was established in 2007 to service the retirement needs of members from a wide range of industries. The fund is a public offer fund and allows members from all industries to apply for membership.BT Super for Life offers an investment menu of 13 diversified options and 25 single sector options, as well as seven Lifestage option that automatically transitions the asset allocation to defensive investments as the member ages. The Pendal Sustainable Balanced option underperformed the relevant SuperRatings Index over the 10 years to 30 June 2018.Fees are lower than the industry average across all account balances assessed. There are no switching or exit fees, although a buy-sell spread may apply.BT Super for Life Retirement Account offers a good level of pension flexibility, with members able to select from monthly, quarterly, half-yearly and yearly payment frequencies. Members with more than one investment option can nominate the proportion of payments to be drawn from each option. Members can also select from reversionary pensions, binding death nomination and non-binding lump sum death benefits.The fund offers a range of educational material, along with phone-based advice and lost superannuation searches. Members who are also customers of Westpac, St George, BankSA or Bank of Melbourne may also manage their superannuation through their online banking account.
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Fees & fund features

Admin fee
Admin fee
$78
Administration fee (%)
Administration fee (%)
0.55%
Indirect Cost Ratio (%)
Indirect Cost Ratio (%)
0.12%
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
Administration fee (%)
Administration fee (%)
0.55%
Indirect Cost Ratio (%)
Indirect Cost Ratio (%)
0.12%
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
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