It’s really important to understand that these results don’t take into account your personal objectives, financial situation or needs.

Think about what’s right for you before taking action.

By using this tool, you agree to our terms and conditions


Which best describes your current lifestyle?

 

Are you looking for super for yourself or your business?

The ATO requires employers to have a nominated default super fund, which is where the employer can pay super for employees who can’t or don’t choose their own super fund.

Learn about business super obligations

Finish this sentence: When it comes to super…

 

How important is it for you to be able to choose sustainable investments within your super?

 

Are you willing to take on more responsibility to get more investment choice?

If you want more investment choice, then one option to consider is managing your own super in a ‘self-managed super fund’ (SMSF).

With an SMSF, you get the broadest investment choice possible, but you are also responsible for keeping your fund compliant and organising the tax and audit each year.

Your Super Type is ready

Remember, this tool doesn’t take into account your personal or financial objectives, situation or needs.

Your super type

You want super for your employees

You want an employer super  plan so you can meet your business super obligations with ease.

What does this mean?

It means you might consider a super plan which offers:

  • Easy management and simple super payments

  • Insurance for eligible employees

  • No cost to your business

As an Australian employer you are required to pay at least 9.5% of an eligible employee’s earnings into their choice of complying super fund. We’ve included answers to some of the most commonly asked questions in this article.

Answer a few simple questions to help you check if you’re meeting your business super obligations and doing the right thing for your people. It only takes about 5 minutes.

Super Guarantee (SG) is the term for the mandatory super contributions employers must make on behalf of their eligible employees.

Your super type

You want ultimate control

You like being in the driver’s seat and want more flexibility than a standard super fund.

What does this mean?

You might consider a fund which gives you:

  • Full control of your super, including choosing and managing your investments, tax and compliance.
  • The broadest choice of investments eg shares, ETFs, managed fund cash and unlisted investments like property.
  • Information to help you make sustainable investment choices
  • Options to have insurance through your account
  • Simple ways to manage your pension
Taking your first steps to set up a self managed super fund? Explore the SMSF basics, main benefits and learn how to start your own SMSF.
Learn the basics of superannuation with explanations of how it helps you save for retirement and suggestions on how to grow, manage and keep track of your super.
If you have started considering what retirement might mean for you or if you are working on a plan for a great future, we can help you to understand what you need to think about.

While saving for retirement can seem somewhat daunting, there are a few simple strategies to use when planning your best financial future.

Whether you choose to gradually cut down your working week, or transition into retirement, one of the challenges faced by retirees is how to plan for the change.
Making retirement plans early will help ensure you enjoy the best retirement possible. So, what are the things you need to consider?

Your super type

You want to choose your investments

You want to choose the individual investments in your super.

What does this mean?

You might consider a fund which gives you:

  • Individual investments like shares, ETFs and term deposits
  • Professionally managed options like managed funds or portfolios
  • Information to help you make sustainable investment choices
  • Options to have insurance through your account
  • Simple ways to manage your pension
People often debate which is the best option to grow their wealth: investing in residential property or shares, or adding more into super. We look at the pros and cons of each.
Learn the basics of superannuation with explanations of how it helps you save for retirement and suggestions on how to grow, manage and keep track of your super.
If you have started considering what retirement might mean for you or if you are working on a plan for a great future, we can help you to understand what you need to think about.
While saving for retirement can seem somewhat daunting, there are a few simple strategies to use when planning your best financial future.
Whether you choose to gradually cut down your working week, or transition into retirement, one of the challenges faced by retirees is how to plan for the change.
Making retirement plans early will help ensure you enjoy the best retirement possible. So, what are the things you need to consider?

Your super type

You want control without the administration

You want to choose how your super is invested without the admin responsibilities of an SMSF.

What does this mean?

You might consider a fund which gives you:

  • You decide how your money is invested
  • A choice of investments eg shares, ETFs and term deposits, and professionally managed options like managed funds or portfolios.
  • Admin responsibilities are taken care of for you
  • Information to help you make sustainable investment choices
  • Options to have insurance through your account
  • Simple ways to manage your pension
People often debate which is the best option to grow their wealth: investing in residential property or shares, or adding more into super. We look at the pros and cons of each.
Learn the basics of superannuation with explanations of how it helps you save for retirement and suggestions on how to grow, manage and keep track of your super.
If you have started considering what retirement might mean for you or if you are working on a plan for a great future, we can help you to understand what you need to think about.
While saving for retirement can seem somewhat daunting, there are a few simple strategies to use when planning your best financial future.
Whether you choose to gradually cut down your working week, or transition into retirement, one of the challenges faced by retirees is how to plan for the change.
Making retirement plans early will help ensure you enjoy the best retirement possible. So, what are the things you need to consider?

Your super type

You want choice

You want some say in how your money is invested, and want to leave the  management with professionals.

What does this mean?

You might consider a fund which gives you:

  • A choice of ready-made investment options
  • Professional management of the investments within those options
  • Sustainable investment options
  • Pre-approved insurance (if you’re eligible)
  • Simple ways to manage your pension
We know that not everyone is the same. With this in mind, BT has a range of investment options, offering you flexibility and choice when personalising your super investment mix.
Learn the basics of superannuation with explanations of how it helps you save for retirement and suggestions on how to grow, manage and keep track of your super.
If you have started considering what retirement might mean for you or if you are working on a plan for a great future, we can help you to understand what you need to think about.
While saving for retirement can seem somewhat daunting, there are a few simple strategies to use when planning your best financial future.
Whether you choose to gradually cut down your working week, or transition into retirement, one of the challenges faced by retirees is how to plan for the change.
Making retirement plans early will help ensure you enjoy the best retirement possible. So, what are the things you need to consider?

Your super type

You want simple super

You’re happy to have your super managed by professionals and like to know that you can check in on its progress.

What does this mean?

You might consider a fund which gives you:

  • Investments that are chosen and managed for you
  • Simple ways to login and keep track of your super
  • Sustainable investment options
  • Pre-approved insurance (if you’re eligible)
  • Simple ways to manage your pension
Our default Lifestage investment approach is designed to ensure your super can adapt as you move through different stages of your life.
Learn the basics of superannuation with explanations of how it helps you save for retirement and suggestions on how to grow, manage and keep track of your super.
If you have started considering what retirement might mean for you or if you are working on a plan for a great future, we can help you to understand what you need to think about.
While saving for retirement can seem somewhat daunting, there are a few simple strategies to use when planning your best financial future.
Whether you choose to gradually cut down your working week, or transition into retirement, one of the challenges faced by retirees is how to plan for the change.
Making retirement plans early will help ensure you enjoy the best retirement possible. So, what are the things you need to consider?

Super Type Tool
Our terms and conditions


The Super Type tool (‘Tool’) is made available by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (‘BTFM’).  
 
By clicking on this button, you agree to the following terms and conditions: 

  • The purpose of the Super Type Tool is to provide you with a summary of information that can be used to help you identify what type of super you may consider. The Tool will generate a “Super Type”. The Super Type is generated by BTFM using only your responses to the questions you have answered;
  • the Tool and Super Type are provided for general information and guidance purposes only, and accordingly should not be considered a comprehensive statement on any matter or relied upon as such. The Super Type Tool nor the Profile generated by the Tool should be relied on for the purposes of making any financial recommendations or an investment decision, and should not be treated as a substitute for financial advice;

  • all information collected will be used solely for the purpose of using this Super Type Tool, producing a Profile, emailing you a copy of your Profile (if requested) and employer research and collected in accordance with the BT Privacy Policy, as relevant;

  • the information generated by the Super Type Tool and the Profile generated by the Tool must not be copied, used, reproduced or otherwise distributed or circulated to any person without the prior written consent of BTFM; and

  • BTFM does not give any representation or warranty as to the accuracy, reliability or completeness of information which is contained in, or results provided by, this Super Type Tool or the Profile generated by the Tool, and except to the extent any liability cannot be excluded under law, none of BTFM or any of its related bodies corporate, or any of their directors, employees, contractors or agents, accept any liability for any error or omission in the Super Type Tool or Profile generated by the Tool or for any loss or damage suffered or incurred, directly or indirectly, by the user or any other person as a result of or in connection with the Super Type Tool or Profile generated by the Tool.

What is sustainable investing?


Sustainable investing is a long-term investment approach that incorporates environmental, social, and governance (ESG) factors into the investment process.

It’s an approach to investing that explores further to reveal broader risks and help to identify greater opportunities.

When we’re making investment decisions on your behalf, we look at the long-term impact of those investments, which may include any environmental, social and governance (ESG) issues.

BT’s approach to sustainable investing (also referred to as responsible investing) is outlined in our Responsible Investment Position Statement.

What are these types of investments?

Shares

These are also called stocks or listed securities and are a part ownership of a company. Their value can change and depends on a range of factors including how the company is run, market share and profitability. 

Learn more about shares

 

Managed investments

These are a bundle of diversified investments that are managed by a professional. It includes:

  • Exchange Traded Funds (ETFs) - are a managed investment that is listed on the share market, meaning they can be bought and sold like shares.

  • Managed Accounts - a mix of assets is bought specifically for you and you are the “beneficial owner” of all the investments in your portfolio.

  • Managed funds – a large pool money from many investors, managed as a single group. You purchase a ‘units’ of the fund.

Learn more about managed investments

 

Property

There is more to this asset class than houses or units. Residential and commercial property share similarities such as the ability to generate relatively higher longer term returns through rental income and thepotential for long term capital growth - but there are also quite distinct differences.  

Learn more about property 

 

Cash and term deposits

Cash offers a relatively safe and secure investment – often with the ability to access your money at very short notice, and this means cash can play a valuable role in your portfolio. The key downside of cash is that your money won’t generate capital growth.  
 
Learn more about cash and term deposits

What is a risk level?

Generally, the higher the level of risk you’re prepared to accept, the higher the potential returns or losses.

Growth assets, such as shares and property, are generally considered the most volatile assets – ie they’re likely to experience greater fluctuations in value than defensive assets, such as fixed interest and cash. (Figure 1)
 
If you’re uncertain of the amount of risk you would be comfortable with, the BT Risk Profile tool can assist you in setting your risk levels.  See the BT Risk Profile tool.

 Once you understand the risk level that might be right for you then you might consider choosing one or a mix of our ready-made investment options. (Figure 2) You can select the level of risk and potential level of return you earn from a range of Defensive to High Growth options, while leaving BT to pick and mix the underlying investments for you.  

This is a bar chart which shows the relative risk and potential return associated with different asset classes. The trend shows that an asset with a greater risk will also have a greater potential return. From lowest to highest risk/return: Cash, fixed interest, property and shares.
Figure 1: Relative risk and potential return associated with different asset classes
This is a scatter chart which shows the relative risk and potential return associated with different ready-made investment options. The trend shows that an option with a greater risk will also have a greater potential return. From lowest to highest risk/return: defensive, moderate, balanced, growth and high growth.
Figure 2: Potential return and risk for the diversified investment options

BT | Westpac


Westpac and BT – we’re here to help.

As part of Westpac Group and one of Australia’s leading wealth experts, BT has been helping Australians build and protect their wealth since 1969.


What you need to know:

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 you should consider its appropriateness with 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.

© BT - Part of Westpac Banking Corporation

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