BT Lifetime product series

BT Lifetime products offer you flexibility, choice and control over your superannuation savings all the way through to and during retirement.

Why BT Lifetime

The BT Lifetime product series offers you super and retirement options throughout your life. BT Lifetime – Personal Super gives you choice and flexibility while saving for retirement. BT Lifetime – Flexible Pension is an account-based pension suitable for those who have retired and want to receive a regular income.

Features & benefits

  • Take your super from job to job into retirement

  • Choose from a wide range of investment options managed by BT and other leading fund managers

  • Access to exclusive deals and offers on travel, accommodation and insurance with Benefits Now

  • Manage your account online with BT Online or by phone with BT Link

BT Lifetime – Personal Super

BT Lifetime – Personal Super gives you control, choice and flexibility so you can save for the retirement you deserve.

Build your superannuation 

Contributing to your BT Lifetime – Personal Super account is easy. You can contribute salary sacrifice amounts, spouse contributions, personal after-tax contributions and government co-contributions (if eligible). 

Insurance options 

An eligible member can apply for insurance and has two options for cover – (1) Death Only cover; or (2) Death and Total and Permanent Disablement cover.  The member is given flexibility regarding the amount of insurance cover they can apply for up to $3 million, however approval is not guaranteed and is dependent on the results of a medical assessment. The cost of insurance cover is based on the member’s age, occupation, gender, smoker status and the type and amount of cover requested, and is deducted directly from the member’s super account.

BT Lifetime – Flexible Pension

BT Lifetime – Flexible Pension offers a range of investment options, flexible income payments and gives you tax-free easy access to your money.

Investment choice 

Access managed funds across a range of major asset classes to create an investment that suits your financial goals

Flexible pension payments

Choose the level of payments you want to receive (above the government minimum) and how often you want to be paid each year with a choice of monthly, quarterly or yearly payments. You also have the option to make lump sum withdrawals to meet any large expenses.

Documents and downloads

Fund codes

BT Lifetime - Personal Super Fund
SPIN/USI BTA0137AU
RSE R1003864
ABN 83 953 436 008

BT Lifetime - Flexible Pension
SPIN BTA0135AU
RSE R1003864
ABN 83 953 436 008

Trustee BT Funds Management Limited
ABN 63 002 916 458
AFSL No. 233724
RSE No. L0001090

To learn more about how BT’s Lifetime products can help you plan for and enjoy retirement, contact us to speak to a BT adviser

BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724, RSE No. L0001090 is the trustee of BT Lifetime - Personal Super and BT Lifetime – Flexible Pension ABN 83 953 436 008, RSE R1003864 and is the issuer of interests in BT Lifetime - Personal Super and BT Lifetime – Flexible Pension. A Product Disclosure Statement (PDS) and other relevant disclosure documents (together, PDS) are available for BT Lifetime - Personal Super and BT Lifetime – Flexible Pension and can be obtained by calling 132 135 or from the Product Disclosure Statement page. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Lifetime - Personal Super and/or BT Lifetime – Flexible Pension.

The information shown 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. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.

An investment in BT Lifetime – Personal Super and/or BT Lifetime - Flexible Pension is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) 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. None of the Bank, any other company in the Westpac Group or any appointed investment manager stands behind or otherwise guarantees the capital value or investment performance of BT Lifetime – Personal Super and BT Lifetime - Flexible Pension.

The information shown is general information only, it does not constitute any recommendation or advice; it has been prepared without taking 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.