Fees

All superannuation funds charge fees. These fees go towards such costs as maintenance, customer service and compliance.
What fees are you paying?

Product disclosure
Check out your fund's fees and charges. They are detailed in the Product Disclosure Statement (PDS).
  
Fees for benefits
If your fund automatically includes insurance cover for death, disability and salary continuance, you may be paying premiums. Some funds may require additional medical information before they accept your application for insurance.

Value for money
Fees are just one part of the equation. To assess value for money, look at the returns after fees are paid, and the benefits a fund offers.
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Exit fees
If you wish to leave one fund to join another, exit fees are sometimes charged.
Legacy accounts
Over 500,000 people have their super invested in older-style 'legacy' accounts. With these accounts, substantial penalties can be incurred if you try to withdraw your money before the age of 65 or if you try to roll over your super.
Find out more about investment
Find a financial adviser using BT's Adviser Referral Program.
Learn about BT's super funds.