BT Lifetime - Personal Super - details

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The next step, as with any investment, is to seek more information to help you make an informed decision. Take a look at the table below for a summary of the main features of the BT Lifetime – Personal Super Fund and read the full BT Lifetime - Personal Super Product Disclosure Statement for the details on all product rules, fees, costs and features.

Feature Benefit Summary
Accepted contributions
  • Member contributions (both pre-tax and after-tax contributions)
  • Spouse contributions
  • Employer contributions
  • Government Co-contributions
  • Superannuation Guarantee (SG) contributions
  • Superannuation Guarantee (SG) Vouchers
  • Rollovers of Superannuation benefits
  • Capital Gains Tax (CGT) exempt rollovers

Refer to PDS Part 1 - Getting started pages 4-5
Investment and transaction minimums Initial investments
  • Initial contribution (one-off): $3,000
  • Initial contribution (with Regular Investment Plan): $2,000
Additional investments
  • Additional one off contributions $1,000
  • Additional rollover of Superannuation benefits: no minimum
Regular contributions
  • Regular Investment Plan per month, per portfolio: $100
  • Payroll deposits: No minimum
  • Employer deposit book: $100
Other
  • Minimum withdrawal amount: $1,000
  • Minimum switching amount (between portfolios at any one time): $1,000
  • Minimum investment balance: $2,000

Refer to PDS Part 1 - Getting started pages 4-5 and Transacting on your account pages 23-28
Investment options

You have access to 24 portfolios covering different asset classes and investment styles.

You may choose one or a combination of these portfolios managed by a wide range of investment management companies. For full details regarding the portfolios available within the Plan, please refer to the ‘Investment Booklet ‘, Part 2 of this PDS.
Fee options

There are Contribution and Nil Contribution fee options.

Refer to PDS Part 1 - All about fees pages 12-17
Keeping you informed

You receive regular updates on your investment including six-monthly statements and the Better Investor magazine.

BT Link and BT Online give 24/7 access to your investment information.

Refer to PDS Part 1 - Keeping you informed
Services available Regular contributions

Regular investing makes it easier to build wealth for the future. The Regular Investment Plan allows you, your spouse or your employer to make regular contributions. The monthly contribution is made deducted from a nominated Bank account. PDS Part 1 - Getting started pages 4-5

Superannuation consolidation service

Consolidation can save you time and money. BT can help you bring together your multiple superannuation accounts. Simply fill in the Rollover Authority Form in the Forms section in Part 2 of the PDS.

Choice of insurance

Competitive premiums: Death only, or Death and Total & Permanent Disablement cover. Refer to PDS Part 3- Life Insurance Booklet.
Tax benefits

Superannuation is a tax effective way to invest and grow your retirement savings. Refer to PDS Part -1 Understanding tax and your super pages 18-22.
Estate planning

Nominating beneficiaries under a binding or non-binding election.

Beneficiaries are able to request the type of benefit they wish to receive ie lump sum(s), pension(s) or a combination of both.

Refer to PDS Part 1 - Nominating your beneficiary page 27.


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