Product disclosure statements

Product disclosure statements, product updates, and disclosure notices

We may update the information in Product Disclosure Statements (PDSs) or change a product.

  1. If the change to the information in the Product Disclosure Statement is materially adverse, we will issue a Supplementary Product Disclosure Statement, these are available through the "Download" links below.
  2. Product updates and Disclosure Notices
    We may also become aware of information that is not generally available but if it were generally available, would reasonably be expected to have a material effect on the price or value of interests in a managed fund. Such information will be included in a disclosure notice. Other product updates such as fund or benchmark changes are also available here.

Managed funds

Managed funds PDS Product updates
& Disclosure notices
BT Investment Funds
(includes BT Cash Management Trust)
Download PDS Product updates
BT Classic Investment Funds Download PDS Product updates
BT Global Share Fund Product updates
BT Premium Cash Fund Download:
PDS
AIB
PDS & AIB
Application form
Product updates
BT Investor Choice Funds
(includes Westpac Cash Management Trust)
Download PDS Product updates
BT Balanced Deeming Fund Product updates
BT Multi-manager & Partner Funds
These are available from the investment options page, there is a separate PDS and product update (where issued) for each fund.
Download Product updates
Financial Services Guide
BT Funds Management Limited &
BT Funds Management No.2 Limited &
Westpac Financial Services Ltd.
Download (PDF 86KB)

Superannuation: Personal and Retirement

Superannuation: Personal and Retirement PDS Product updates
& Disclosure notices
BT Super for Life
Product Disclosure Statement (PDS)
Additional Information Brochure
Download PDS (PDF 832KB)
Download AIB (PDF 251KB)
Product updates
BT Lifetime – Personal Super
Product Disclosure Statement (PDS)
Additional Information Brochure (AIB)
Consolidated PDS & AIB
Download:
PDS
AIB - Part 1
AIB - Part 2
AIB - Part 3
Product updates
BT Lifetime - Flexible Pension Download:
PDS
Product updates
Financial Services Guide
BT Funds Management Limited &
BT Funds Management No.2 Limited &
Westpac Financial Services Ltd.
Download (PDF 59KB)
BT Super for Life Trustee Download (PDF 140KB)

Superannuation : Employer

Superannuation: Employer PDS Product updates
& Disclosure notices
BT Lifetime Super Employer Plan
Product Disclosure Statement (PDS)
Additional Information Brochure (AIB)
Download:
PDS
AIB - Part 1
AIB - Part 2
AIB - Part 3
Employer Brochure
Product updates
BT Business Super
Product Disclosure Statement (PDS)
Additional Information Brochure (AIB)
Download:
PDS
AIB - Part 1
AIB - Part 2
AIB - Part 3
Employer Brochure
Product updates
Financial Services Guide
BT Lifetime Super - Employer Plan
BT Funds Management Limited &
BT Funds Management No.2 Limited &
Westpac Financial Services Ltd.
Download (PDF 59KB)
BT Business Super
Westpac Securities Administration Limited
Download (PDF 412KB)

Margin lending

Margin lending PDS and updates
BT Margin Loan
BT Margin Lending Margin Loan Product Disclosure Statement
Download (PDF 256KB)
Financial Services Guide
BT Securities Limited
Download (PDF 140KB)
BT Margin Lending Facility Agreement Download (PDF 340KB)
Standard BT Margin Loan Information

Wrap

Wrap PDS Product updates
& Disclosure notices
Financial Services Guide
BT Portfolio Services Ltd
Download (PDF 61KB) Product updates

Insurance

Insurance PDS Product updates
& Disclosure notices
BT Protection Plans
Product Disclosure Statement and Policy Document
Download (PDF 2.3MB) Product updates
BT Reserve Reference Document
Reference document for BT Reserve
Download (PDF 1.8MB) 

Other disclosure documents

In addition to PDSs and FSGs, this website also contains other disclosure documents such as brochures and annual reports.

What is a Product Disclosure Statement?

A Product Disclosure Statement or PDS is a document (or sometimes a group of documents) that contains information about a financial product, including any significant benefits and risks, the cost of the financial product and the fees and charges that the financial product issuer may receive.

A Financial Services Guide or FSG describes the financial services offered by, and important information about, a financial services licensee.

This page provides you with electronic access to the PDSs for financial products and services that are identified on this website and that are issued by entities within the BT Financial Group of companies, together with electronic access to the FSGs for these entities.

On 1 December 2008, Westpac Banking Corporation acquired all the issued shares of St.George Bank Limited. This means that St.George Group entities such as Asgard Capital Management Limited, Asgard Wealth Solutions Limited, Advance Asset Management Limited and St.George Life Limited form part of the Westpac Group. Please note that some financial products, such as some bank products, are not required to have a PDS.