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BT SuperWrap - Personal Super Plan

Past 5-year return
4.73%
Admin fee
$95
Calculated Fees on 50k
$1,055
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Online capabilities including trading and reporting, as well as preferred reporting features.
Data feeds available to both financial planning and accounting software.
Award winning customer service recognised by industry awards with regular adviser feedback conducted to ensure service is of a high standard.
BT SuperWrap Personal Super Plan was established in 1999 and has been designed to provide a wide range of investment options to members and their authorised advisor. BT SuperWrap offers a comprehensive range of more than 500 diversified and single sector managed funds, S&P/ASX 300 listed securities, term deposits and cash. The BT Wholesale Balanced Returns option underperformed the relevant SuperRatings Index over the 10 years to 30 June 2018; however, the extensive investment menu means returns may vary depending on the option and manager selected.Fees are higher than the industry average across all account balances assessed. The percentage-based administration fee is capped at $1,500 for account balances over $1,000,000. A minimum balance of $2,000 must be held in a cash account to facilitate various account transactions. Any associated cash account interest charges have not been included in the calculated fees below.BT SuperWrap Personal Super Plan's insurance offering allows eligible members to apply for an unlimited amount of Death cover and up to $5 million of TPD cover. Members can also apply to increase cover following the occurrence of a prescribed Life Event without additional underwriting. Income Protection with a benefit period of 2 years, 5 Years or to age 65, covering up to 80% of salary, is available following 14 day through to 720 day waiting periods. The online account provides members with a consolidated view of all investments and full transparency of taxation entitlements within each account. Eligible members may also protect their investments from market downturns with Wrap Capital Protection, to ensure a minimum amount is received at the end of a specified term.
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Fees & fund features

Admin fee
Admin fee
$95
Administration fee (%)
Administration fee (%)
1.01%
Indirect Cost Ratio (%)
Indirect Cost Ratio (%)
0.91%
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
$31
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
$95
Administration fee (%)
Administration fee (%)
1.01%
Indirect Cost Ratio (%)
Indirect Cost Ratio (%)
0.91%
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
$31
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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