A detailed summary of your account, including performance of your investment options, transactions, insurance and a record of all fees (including any insurance premiums) and taxes paid.
Super members only.
Cover on death or disability. On the occurrence of death, your beneficiaries or Estate will receive your life insurance amount, plus your superannuation account balance.
In the event of disability, you may be able to receive an insurance payout and can apply to access your superannuation balance before retirement in extenuating circumstances.
Salary Continuance Insurance (SCI) provides cover if you have an injury that prevents you from working for a period of time by providing a regular payment in place of salary. SCI is not available in all products. Please check the relevant disclosure document or call us on 132 135.
The total fees you paid during the year.
Your account balance is the amount of your investment as at 30 June.
Should something happen to you, your amount payable on death is the total of your account balance and any insurance benefits you may have.
Your Personalised Rate of Return looks at your total investment and shows your earning rate after allowing for your transaction history, taxes and fees.
It is always displayed as a percentage.
It not the same as the Long Term Return rates displayed on your statement.
The Long Term Return rates are the performance of the investment options in your super fund.
These are not the actual returns experienced for your own investment. For each investment option selected, these rates reflect the historical earnings achieved at product level, so they may not match your individual earning rate.
These rates show the average annual return of each of your investment options over a certain number of years (for example 5 or 10 years, or to 30 June).
A beneficiary is someone you have nominated to receive your super and insurance (if applicable) in the event of your death. You can nominate a dependent or legal personal representative (the executor of your Estate). Make sure that your beneficiaries are up-to-date so your superannuation fund knows to whom you want it to go. You can log into your BT super account or contact us to nominate your beneficiary.