BT Lifetime - Personal Super

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Past 5-year return
7.23%
Admin fee
$0
Calculated Fees on 50k
$1,015
A range of over 20 quality investment options to select from.
Minimum initial investment of either a one off payment of $3,000 or an initial contribution of $2,000 with a regular investment plan of at least $100 a month.
Competitive insurance rates for Death and Death and Total Permanent Disability available.
No additional charges applied when switching investments.
Interactive education online service containing newsletters and videos
BT Lifetime - Personal Super was established in 1995 by the BT Financial Group, the investment division of the Westpac Group and is now closed to new investors. Members have access to a comprehensive menu that caters to a range of asset preferences and levels of risk aversion. The BT Multi-Manager Balanced NCF option has underperformed the SuperRatings Index over the five-year period to 30 June 2017; however, due to the extensiveness of the investment menu, returns will vary depending on the investments selected.Fees are higher than the industry average for all assessed account balances. This product does not charge fees for switching investments, or exiting; however, a buy-sell spread may be charged when investing or withdrawing from options.BT Lifetime Personal Super allows eligible members the ability to apply for an unlimited amount of Death cover and $5 million of TPD cover. Members are able to increase their death and TPD insurance upon certain personal or business events without having to provide any additional medical underwriting. Income Protection is not available in this product. 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
$0
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
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
$0
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
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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