Superannuation

Wherever you are in your working life – a new graduate, an experienced worker, returning to work or approaching retirement - there’s never been a better time to invest through superannuation. Money you earn through your superannuation investments is taxed at a maximum of 15%, which is lower than most marginal tax rates. And strategies like salary sacrificing, co-contributions and spouse contributions can add further benefit to your super investments

The information on this site will help you understand the choices, strategies and benefits available to all BT superannuation investors. Whether you invest in super via a fund chosen by your employer, choose your own fund or invest via your spouse’s fund, it’s important to understand how to make the most of your super, what type of super is best for you and how to make sure you have enough superannuation to enjoy your retirement.

Our superannuation funds

Choosing your own fund

  • BT Super for Life
     A revolution in superannuation – a low fee superannuation and retirement fund you can see and manage while doing your internet banking with Westpac. Having banking and super on one screen makes it easier to manage your finances. You can also take BT Super for Life with you every time you change jobs and into your retirement.

  • BT Lifetime - Personal Super
    If you can choose your own super fund and you're employed, self-employed or a non-working spouse, take advantage of the wide investment options, broad risk and return spectrum and flexible contribution options of the BT Lifetime - Personal Super fund.

Does your employer select your superannuation? 

  • BT Lifetime Super – Employer Plan
    Your employer has chosen the BT Lifetime Super – Employer Plan for you. This fund is an employer-sponsored super plan. It offers over 30 investment options, giving you the opportunity to select an investment that is right for you.

  • BT Business Super
    Your employer has chosen the BT Business Super Plan for you. This fund is an employer-sponsored super plan offering you access to more than 30 investment options across all major asset classes, including aggressive, growth and conservative profiles.

Not available to new investors

You can also invest through Wrap platforms such as BT SuperWrap and BT SuperWrap Essentials. Investments administered through a Wrap platform are generally only available via registered financial advisers

BT’s investment capabilities

BT offers investment funds across Australian and international shares, listed property, cash and bonds. Our Australian investment team is one of the largest in the country and we use our extensive investment expertise to actively manage our domestic investments. Internationally, we apply rigorous selection procedures to find leading investment houses to manage BT’s international, specialist and Multi-manager funds.
This structure ensures you get the benefit of expert investment management whichever asset class you choose.

Is 9% enough?

Did you know that, depending on when you retire, you can expect to live up to another 30 or 40 years? Your employer’s compulsory Super Guarantee contributions of 9% may not be enough to fund the retirement lifestyle you want. Topping up your super now may help ensure a more comfortable retirement.