BT Lifetime - Personal Super

Investment choice

BT Lifetime Personal Super has over 20 investment options covering different asset classes and investment styles. This means you can diversify your investments to match your savings strategy and risk profile. The investment options are managed by BT and a number of leading external fund managers.

Contribution options

Adding to your BT Lifetime Personal Super is easy. You can contribute salary sacrifice funds, spouse contributions and personal after-tax contributions. The plan also accepts the government co-contribution (if you are eligible). Further information regarding eligibility and government co-contributions can be obtained from the ATO.

Insurance

Paying for life insurance through the BT Lifetime Personal Super allows you to save money by paying your premiums using pre-tax dollars. You have access to the following insurance options:

• Death Cover
• Death and Total and Permanent Disablement

More information

• Product disclosure statement (PDS)
• Investment options
• Unit prices
• Performance
• Management fees

There may be limited circumstances where your employer is not required to accept your Choice of Superannuation fund form eg. if you have already exercised Super Choice in the last 12 months.  This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs.

The 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.

BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724, RSE No. L0001090 is the trustee of BT Lifetime - Personal Super Fund ABN 83 953 436 008, RSE R1003864 [the Fund] and is the issuer of units in the Fund. A Product Disclosure Statement (PDS) is available for the Fund and can be obtained by calling 132 135, or visiting www.bt.com.au. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of units in the Fund.