BT Super

These fees and costs are estimated amounts in relation to the 12 months to 30 June 2020.

APIR Code	Investment Option name	Indirect costs (%)¹	Other fees (%)²	Borrowing costs (%)
BTA0288AU	1940s Lifestage³	0.12	0.78	0.00
BTA0289AU	1950s Lifestage³	0.12	0.78	0.00
BTA0290AU	1960s Lifestage³	0.14	0.78	0.00
BTA0291AU	1970s Lifestage³	0.15	0.78	0.00
BTA0292AU	1980s Lifestage³	0.15	0.78	0.00
BTA0293AU	1990s Lifestage³	0.15	0.78	0.00
BTA0442AU	2000s Lifestage³	0.15	0.78	0.00
BTA7639AU	Active Defensive	0.18	0.78	0.00
BTA5118AU	Active Moderate	0.15	0.83	0.00
BTA8610AU	Active Balanced	0.21	0.88	0.00
BTA1267AU	Active Growth	0.20	0.93	0.00
BTA4469AU	Active High Growth	0.16	1.03	0.00
BTA6292AU	Index Defensive	0.06	0.53	0.00
BTA6329AU	Index Moderate	0.06	0.58	0.00
BTA2413AU	Index Balanced	0.06	0.60	0.00
BTA1570AU	Index Growth	0.06	0.62	0.00
BTA1215AU	Index High Growth	0.06	0.64	0.00
BTA9311AU	Active Australian Shares	0.15	0.98	0.00
BTA3009AU	Active International Shares	0.11	1.08	0.00
BTA4584AU	Active Global Property	0.25	1.08	0.00
BTA3075AU	Active Global Fixed Interest	0.11	0.83	0.00
BTA0297AU	Cash
	Effective for the 12 month period to 30 June 2019:	1.23	0.00	0.00
	Effective from 1 November 2019 the Cash option invests in a unit trust managed by Pendal. Effective from 1 November 2019:	0.07	0.43	0.00
BTA0749AU	Index Australian Shares	0.06	0.48	0.00
BTA3104AU	Index International Shares	0.06	0.48	0.00
BTA5401AU	Index Property Securities	0.06	0.48	0.00
BTA7978AU	Index Australian Fixed Interest	0.07	0.48	0.00
BTA5137AU	Index International Fixed Interest	0.05	0.48	0.00
BTA7669AU	Antipodes Global	0.29	1.66	0.02
BTA0939AU	Pendal Technology	0.08	1.58	0.00
BTA8782AU	Pendal Core Australian Shares	0.15	0.99	0.00
BTA0295AU	Pendal Growth Shares	0.13	0.78	0.00
BTA8643AU	Fidelity Australian Shares	0.08	1.03	0.00
BTA5720AU	Magellan Global Shares	0.76	1.60	0.00
BTA3197AU	Nikko AM Value Australian Shares	0.23	0.88	0.00
BTA6816AU	T. Rowe Price Global Shares	0.11	1.17	0.00
BTA9281AU	APN AREIT	0.05	0.93	0.00
BTA6520AU	Pendal Australian Property Securities	0.22	0.88	0.00
BTA5958AU	Pendal Global Property Securities	0.12	1.13	0.00
BTA1038AU	RARE Value Infrastructure (Unhedged)	0.53	1.38	0.00
BTA0956AU	Pendal Australian Bonds	0.12	0.73	0.00
BTA5729AU	Franklin Templeton Multisector Bonds	0.38	1.00	0.00
BTA2241AU	PIMCO International Bonds	0.32	0.68	0.00
BTA7850AU	UBS Australian Bonds	0.05	0.63	0.00
BTA0294AU	Pendal Sustainable Conservative	0.23	0.78	0.13
BTA0296AU	Pendal Sustainable Balanced	0.24	0.78	0.14

1. The indirect costs of the option are estimated amounts in relation to the 12 months to 30 June 2020 .
Indirect costs are estimates and may vary over time. Please refer to the BT Super Product Disclosure Statement (PDS) and Guides for more information. The Indirect costs above comprise of an estimated Regulatory Change Expense Recovery, estimated performance-related fees, and estimated other indirect costs. Estimated performance-related fees may be higher if certain investment performance targets are achieved.
2. Other fees includes administration fee and investment management fee. Additional fees and costs, such as the $9.00 per month dollar based Administration fee, buy-sell spreads, activity fees, advice fees for personal advice or insurance fees, may apply. Please refer to ‘Fees and other costs’ section in the BT Super, Super Guide for more information.
3. The indirect cost ratio for the Lifestage options may be higher if certain investment performance targets are achieved by investment managers who may be paid performance-related fees in underlying investments. Please refer to ‘Fees and other costs’ section in the BT Super, Super Guide for more information.
Additional fees and other costs may apply. Please refer to the BT Super Product Disclosure Statement (PDS) and Guides for more information.