BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724, RSE No. L0001090 is the trustee and issuer of interests in BT Super for Life which is a part of Retirement Wrap ABN 39 827 542 991, RSE R1001327, BT Lifetime Super - Employer Plan ABN 39 827 542 991, RSE R1001327, BT Lifetime - Personal Super ABN 83 953 436 008, RSE R1003864 and BT Lifetime - Flexible Pension ABN 83 953 436 008, RSE R1003864. Westpac Securities Administration Limited ABN 77 000 049 472, AFSL No. 233731, RSE No. L0001083 is the trustee and issuer of interests in BT Business Super - Westpac Master Trust Superannuation Division ABN 81 236 903 448, RSE R1003970. BT Portfolio Services Ltd ABN 73 095 055 208, AFSL No. 233715 (BTPS) administers SuperWrap and SuperWrap Essentials. BTFM is the trustee and issuer of SuperWrap and SuperWrap Essentials.
A Product Disclosure Statement (PDS) is available for each of these products (except for SuperWrap and SuperWrap Essentials) and can be obtained by calling 132 135, or from the PDS downloads page. A PDS for SuperWrap or SuperWrap Essentials can be obtained from your financial adviser. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the relevant product.
Westpac Life Insurance Services Limited ABN 31 003 149 157, AFSL No. 233728 is the issuer of insurance cover offered through BT Super for Life. Further information about the insurance available through BT Super for Life is included in the PDS.
The relevant Financial Services Guide (FSG) can be obtained by contacting your adviser or from the PDS downloads page.
The above information provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such. The information 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.
Superannuation is a long-term investment. The Government has placed restrictions on when you can access your preserved benefits. The Government has set caps on the amount of money you can add to superannuation each year on a concessionally taxed basis. In addition, the Government has set a non-concessional contributions cap. For more detail, speak with a financial adviser or visit the ATO website. There may be limited circumstances where your employer is not required to accept your Choice of Superannuation fund form e.g. if you have already exercised Super Choice in the last 12 months.
The information shown on this site 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. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.
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