Wrap Capital Protection

The closer you get to retirement, the more important funding your lifestyle after work becomes. Wrap Capital Protection can help. Available only through a financial adviser, it's designed to balance your need for an investment to grow and be protected.

Take a quick look at Wrap Capital Protection

  • Known outcome

    Know the minimum amount you will receive at the end of your protection term.

  • Choice & flexibility

    Ability to apply protection to a over 150 managed funds available on the Wrap platforms. Your protection is flexible and can be amended if your needs change.

  • Is it right for you?

    For more information, please speak to your financial adviser.

Are you eligible for Wrap Capital Protection?

To find out if you're eligible for Wrap Capital Protection, you should consider the following:

  • This product is only available through a financial planner. If you'd like us to refer you to one, click here

  • You have, or wish to invest, at least $50,000 in managed funds or direct shares.

If you don't meet the requirements, Wrap Capital Protection may not be the best solution for you. For advice on a different way to protect your investment, contact us

Features

Most investments with the potential for higher returns carry a higher risk of negative returns and pre-retirees and those recently retired are especially sensitive to these risks given their accumulated assets may be funding their retirement lifestyle. Wrap Capital Protection is designed to help people who are seeking growth from their investments but are concerned about the risk of a material loss. As always, you should read the PDS for any risks and how they may impact you.

Investment options

Wrap Capital Protection can be applied to over 150 wholesale managed funds on the Wrap and SuperWrap investment menus. For a list of funds on the investment menus speak to your financial adviser.

Competitive fee of 1.2% p.a.

Fees associated with Wrap Capital Protection are deducted separately from your Wrap Cash Account. For more information on Fees please see the Product Disclosure Statement. See more

Access to growth

Your money can have exposure to growth and this growth can increase your minimum outcome. See more 

Flexibility for your needs

You can make full or partial withdrawals, make additional investments or extend the term if you wish. See more 

Cancel if your needs change

If you feel you no longer need it, you can cancel your Wrap Capital Protection. If you cancel your protection before the maturity date, the value of your investment may be greater or less than your minimum outcome. See more 

Know your minimum outcome

The minimum amount you receive at the end of your protection term is initially equal to the value of the investment you are protecting and may adjust during the term e.g. to reflect growth and for additional investments or withdrawals. See more 

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Prices and performance information for BT financial products - unit prices, distributions, management costs and fund performance.

BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724 (BTFM) is the responsible entity and issuer of units in the BT Capital Protection Fund ARSN 160 548 970 (the Fund). A Product Disclosure Statement (PDS) is available for the Fund and can be obtained by calling 1300 657 010, or from the BT Capital Protection Fund downloads. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of units in the Fund.

The Fund is only available through Wrap (or Wrap Essentials), and through SuperWrap (or SuperWrap Essentials). BT Portfolio Services Ltd ABN 73 095 055 208, AFSL No. 233715 (BTPS) operates Wrap and Wrap Essentials and administers SuperWrap and SuperWrap Essentials. BTFM is the trustee and issuer of SuperWrap and SuperWrap Essentials. An IDPS Guide (for Wrap or Wrap Essentials) or a Product Disclosure Statement (for SuperWrap or SuperWrap Essentials) is available and can be obtained from your financial adviser. You should obtain and consider the IDPS Guide or Product Disclosure Statement before deciding whether to acquire, continue to hold or dispose of interests in the relevant product.

The information shown on this site does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness having regard to these factors before acting on it. Any taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice.

BTPS and BTFM are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). An investment in the Fund is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Neither Westpac nor any other company in the Westpac Group stands behind or otherwise guarantees the capital value or investment performance of the Fund.