When you join BT Super, you can invest in the BT MySuper Lifestage Investment Option or choose from a range of over 40 additional investment options, including exposure to different asset classes and different levels of risk, managed by a range of leading investment managers. Alternatively, you may choose to combine your BT MySuper Lifestage Investment Option with one or more other investment options.
At BT, we've chosen a Lifestage fund for our MySuper investment option to ensure your superannuation suits you. BT Lifestage Funds are already a feature of BT Lifetime Super - Employer Plan, so there will be no change to the investment approach for members of this fund.
A Lifestage fund invests your super based on the decade you were born and the investment mix automatically adjusts as you get older.
Here's an example of how Lifestage works:
Sarah was born in 1989. Based on her age, she'll be invested into BT's MySuper 1980s Lifestage fund.
Designed for younger members who are a long way off retirement.
The investment mix for this age group is more growth oriented to target a higher return over the long term.
John was born in 1969. Based on his age, he'll be invested into BT's MySuper 1960s Lifestage fund.
Designed for members whose retirement is still about 15 years away.
The investment mix for this age group is balanced between growth and conservative assets, which can smooth out returns as you get closer to retirement.
Rose was born in 1949. Based on her age, she'll be invested into BT's MySuper 1940s Lifestage fund.
Designed for members who have finished or are about to finish work.
The investment mix for this age group is mostly conservative, designed to minimise the risk to retirement savings and generate income for your lifestyle once you transition into retirement and draw down on your super.