BT Super for Life.

It's easy to take from job-to-job, convenient to manage online and has smart investment options that evolve with you throughout your life.

Apply now Or call 132 135
video_bkg

Super and everyday online banking together

Imagine if managing super was as easy as online banking... with BT Super for Life, it is. When you log in to your online banking, you can check your super balance, transfer funds from your bank account to your super, and change your investment options. You'll never lose track of your super and you don't have to wait until your annual statement arrives to see how it's performing. Managing finances just became a whole lot easier.

If you're with St. George, BankSA or Bank of Melbourne, click to watch these videos to find out how you can easily access your BT Super for Life account through your online banking.

     

Investment options

You can choose how your super is invested. Option 1: we can invest your super based on your age and automatically adjust it to a more conservative asset mix as you get older. Option 2: you can choose your own investment mix.

step 01Let us invest your super based on your age

We'll do the hard work and invest your super based on your age in a Lifestage Fund. A Lifestage Fund is a well-diversified portfolio of assets designed and managed according to your age. Over time the fund will gradually shift to a more conservative asset mix. It generally does this by decreasing its allocation to growth assets and increasing its allocation to conservative assets.

step 02Choose your own investment mix

Apply now

If you prefer to choose your own investment mix you can select from a range of investment options: Growth, Moderate, Conservative and Super Cash.

investment_mix

Understanding what you pay for

Administration fee
  • $5 per month ($60 pa)
  • Plus 0.45% pa of your account balance for all other investment options
    (this is Nil for the Super Cash option)
Investment fee
  • 0.50% pa of account balance for all other investment options
    (this is Nil for the Super Cash option)
Indirect cost ratio - Stronger Super expense recover and superannuation levy
  • Up to 0.10% pa 1
1. This amount hasn't been determined for the financial year before this information was issued. It has been included as an estimate of what the indirect cost ratio may be for the 2013/2014 financial year. Additional fees and costs may apply. Please refer to the 'Fees and Cost' section of the BT Super for Life Additional Information Booklet.

You don't pay commissions, establishment, contribution, withdrawal, termination or investment switching fees.

To make sure you know how your super is performing, check out the latest factsheet for your investment option. You'll see how the fund is invested, how it's performed, a summary of what's happened in the markets and its impact on your investment.

fees
fees_hero

Super & insurance

Life insurance is another of the benefits you receive with your super account. You have cover in the event of both Death and Total & Permanent Disability, subject to a pre-existing medical condition exclusion.

Your cover starts once you have money in your BT Super for Life account, as your premium payment comes straight from your account balance. This means it doesn't affect your take-home pay, and may potentially provide you with a tax advantage.

  • Premiums are paid directly from your super
  • Auto acceptance with no medical checks.
  • Option to double or triple cover within 90 days.
Apply now

The super account you can take with you from job-to-job

Like most Australians, you probably won't have the same job for life. You're likely to progress through different jobs, opening new super accounts and paying separate fees along the way. So why not have just one super account that you can take with you wherever you go?

A simple way to make sure your super keeps up with you is to ask your employer to make your compulsory Superannuation Guarantee (SG) contributions directly into a BT Super for Life account.

How to make an employer contribution to BT Super for Life.

Our award-winning performance

For 5 consecutive years, BT Super for Life has been awarded a Gold rating by SuperRatings.

awards

BT Super for Life's investment managers are BT Investment management, winner of Money Magazine's Best Fund Manager for 2014, and Advance Asset Management, winner of the same award in 2012 and 2013. You can rest assured knowing you've got the best people looking after your money. Awards and ratings are opinions only and are subject to change.

moneymag

Turn your credit card points into super dollars today

If you have an eligible credit card, you can turn the points you earn into money for your super. You can even transfer points to your spouse or child's account. Plus, when you convert points into your own account, it counts as personal after-tax contributions, which may help you qualify for a Government co-contribution (conditions apply).

card_01Bank of Melbourne
Amplify Credit Card   
card_01BankSA Amplify
Credit Card   
card_01St George Amplify
Credit Card   
card_01Westpac Altitude
Credit Card   

BT Super for Life. Change the way you look at super.

Apply now

Know how your super account is performing

To make sure you know how your super is performing, why not check out the latest factsheet for your investment option. You'll see how the fund is invested and how it's performed, as well as a summary of what's happened in the markets and its impact on your investment.