Retail superannuation

BT Super for Life

APIR Code Investment Option Indirect Costs1 2 Other Fees (%)3 Borrowing Costs (%)
Super and Transition to Retirement (TTR)
BTA0288AU 1940s Lifestage - Super 4 0.12 0.85 0.00
BTA0289AU 1950s Lifestage - Super & TTR4 0.12 0.85 0.00
BTA0290AU 1960s Lifestage - Super & TTR4 0.14 0.85 0.00
BTA0291AU 1970s Lifestage - Super4 0.15 0.85 0.00
BTA0292AU 1980s Lifestage - Super4 0.15 0.85 0.00
BTA0293AU 1990s Lifestage - Super4 0.15 0.85 0.00
BTA0442AU 2000s Lifestage - Super4 0.15 0.85 0.00
BTA7639AU Active Defensive - Super & TTR 0.18 0.85 0.00
BTA5118AU Active Moderate - Super & TTR 0.15 1.00 0.00
BTA8610AU Active Balanced - Super & TTR 0.21 1.05 0.00
BTA1267AU Active Growth - Super & TTR 0.20 1.10 0.00
BTA4469AU Active High Growth - Super & TTR 0.16 1.20 0.00
BTA6292AU Index Defensive - Super & TTR 0.06 0.70 0.00
BTA6329AU Index Moderate - Super & TTR 0.06 0.75 0.00
BTA2413AU Index Balanced - Super & TTR 0.06 0.77 0.00
BTA1570AU Index Growth - Super & TTR 0.06 0.79 0.00
BTA1215AU Index High Growth - Super & TTR 0.06 0.81 0.00
BTA9311AU Active Australian Shares - Super & TTR 0.15 1.15 0.00
BTA3009AU Active International Shares - Super & TTR 0.11 1.25 0.00
BTA4584AU Active Global Property - Super & TTR 0.25 1.25 0.00
BTA3075AU Active Global Fixed Interest - Super & TTR 0.11 1.00 0.00
BTA0297AU Cash - Super & TTR
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 0.60 0.00
BTA0749AU Index Australian Shares - Super & TTR 0.06 0.65 0.00
BTA3104AU Index International Shares - Super & TTR 0.06 0.65 0.00
BTA5401AU Index Property Securities - Super & TTR 0.06 0.65 0.00
BTA7978AU Index Australian Fixed Interest - Super & TTR 0.07 0.65 0.00
BTA5137AU Index International Fixed Interest - Super & TTR 0.05 0.65 0.00
BTA7669AU Antipodes Global - Super & TTR 0.29 1.83 0.02
BTA0939AU Pendal Technology 0.08 1.75 0.00
BTA8782AU Pendal Core Australian Shares - Super & TTR 0.15 1.16 0.00
BTA0295AU Pendal Growth Shares - Super & TTR 0.13 0.95 0.00
BTA8643AU Fidelity Australian Shares - Super & TTR 0.08 1.20 0.00
BTA5720AU Magellan Global Shares - Super & TTR 0.76 1.77 0.00
BTA3197AU Nikko AM Value Australian Shares - Super & TTR 0.23 1.05 0.00
BTA6816AU T. Rowe Price Global Shares - Super & TTR 0.11 1.34 0.00
BTA9281AU APN AREIT - Super & TTR 0.05 1.10 0.00
BTA6520AU Pendal Australian Property Securities - Super & TTR 0.22 1.05 0.00
BTA5958AU Pendal Global Property Securities - Super & TTR 0.12 1.30 0.00
BTA1038AU RARE Value Infrastructure (Unhedged) 0.53 1.55 0.00
BTA0956AU Pendal Australian Bonds - Super & TTR 0.12 0.90 0.00
BTA5729AU Franklin Templeton Multisector Bonds - Super & TTR 0.38 1.23 0.00
BTA2241AU PIMCO International Bonds - Super & TTR 0.32 0.85 0.00
BTA7850AU UBS Australian Bonds - Super & TTR 0.05 0.80 0.00
BTA0294AU Pendal Sustainable Conservative - Super & TTR 0.23 0.95 0.13
BTA0296AU Pendal Sustainable Balanced - Super & TTR 0.24 0.95 0.14
Retirement
BTA0281AU 1940s Lifestage4 0.12 0.85 0.00
BTA0282AU 1950s Lifestage4 0.12 0.85 0.00
BTA5173AU 1960s Lifestage4 0.14 0.85 0.00
BTA4224AU Active Defensive 0.18 0.85 0.00
BTA4220AU Active Moderate 0.15 1.00 0.00
BTA3705AU Active Balanced 0.21 1.05 0.00
BTA0576AU Active Growth 0.20 1.10 0.00
BTA1046AU Active High Growth 0.16 1.20 0.00
BTA6311AU Index Defensive 0.06 0.70 0.00
BTA6050AU Index Moderate 0.06 0.75 0.00
BTA2538AU Index Balanced 0.06 0.77 0.00
BTA7716AU Index Growth 0.06 0.79 0.00
BTA3098AU Index High Growth 0.06 0.81 0.00
BTA1472AU Active Australian Shares 0.16 1.15 0.00
BTA7524AU Active International Shares 0.11 1.25 0.00
BTA8341AU Active Global Property 0.25 1.25 0.00
BTA2506AU Active Global Fixed Interest 0.11 1.00 0.00
BTA0286AU Cash
Effective for the 12 month period to 30 June 2019: 1.21 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 0.60 0.00
BTA7951AU Index Australian Shares 0.05 0.65 0.00
BTA4695AU Index International Shares 0.07 0.65 0.00
BTA5704AU Index Property Securities 0.06 0.65 0.00
BTA9277AU Index Australian Fixed Interest 0.07 0.65 0.00
BTA8116AU Index International Fixed Interest 0.05 0.65 0.00
BTA1684AU Antipodes Global 0.29 1.83 0.02
BTA3730AU Pendal Technology 0.09 1.75 0.00
BTA5948AU Pendal Core Australian Shares 0.15 1.16 0.00
BTA0284AU Pendal Growth Shares 0.13 0.95 0.00
BTA5087AU Fidelity Australian Shares 0.08 1.20 0.00
BTA8572AU Magellan Global Shares 0.76 1.77 0.00
BTA5953AU Nikko AM Value Australian Shares 0.23 1.05 0.00
BTA3034AU T. Rowe Price Global Shares 0.11 1.34 0.00
BTA4753AU APN AREIT 0.05 1.10 0.00
BTA6840AU Pendal Australian Property Securities 0.22 1.05 0.00
BTA6581AU Pendal Global Property Securities 0.12 1.30 0.00
BTA5700AU RARE Value Infrastructure (Unhedged) 0.53 1.55 0.00
BTA5930AU Pendal Australian Bonds 0.12 0.90 0.00
BTA0970AU Franklin Templeton Multisector Bonds 0.38 1.23 0.00
BTA8655AU PIMCO International Bonds 0.32 0.85 0.00
BTA3467AU UBS Australian Bonds 0.05 0.80 0.00
BTA0283AU Pendal Sustainable Conservative 0.23 0.95 0.14
BTA0285AU Pendal Sustainable Balanced 0.24 0.95 0.14

1. The indirect costs of the option are estimated amounts in relation to the 12 months to 30 June 2020.
2. Indirect costs are estimates and may vary over time. Please refer to the Product Disclosure Statement and ‘Additional explanation of fees and costs’ in the Additional Information Booklet for more information.
3. Additional fees and costs, such as the $6.50 per month dollar based Administration fee, buy-sell spreads, activity fees, advice fees for personal advice or insurance fees, may apply. Please refer to ‘Additional explanation of fees and costs’ in the Additional Information Booklet for more information.
4. 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 ‘Additional explanation of fees and costs’ in the Additional Information Booklet for more information. For a temporary period from 1 April to 30 September 2020 the investment fee for members invested in the BT Lifestage investment option will be 0.40%

Westpac Lifetime Super Service (Q/QN)

APIR Code Fund Indirect Costs (%)6 Other Fees (%)7 Borrowing Costs (%)8
WFS0100AU Dynamic growth 0.67% 1.72% 0.11%
WFS0348AU Dynamic growth NCF 0.67% 2.19% 0.11%
WFS0027AU Balanced Growth 0.69% 1.72% 0.14%
WFS0346AU Balanced Growth NCF 0.69% 2.19% 0.14%
WFS0029AU Moderate Growth 0.69% 1.71% 0.14%
WFS0350AU Moderate Growth NCF 0.69% 2.18% 0.14%
WFS0026AU Conservative Growth 0.68% 1.72% 0.14%
WFS0347AU Conservative Growth NCF 0.68% 2.19% 0.14%
WFS0241AU Australian Share Fund 0.54% 1.76% 0.00%
WFS0345AU Australian Share Fund NCF 0.54% 2.22% 0.00%
WFS0240AU Australian Property Securities Fund 0.65% 1.76% 0.00%
WFS0352AU Australian Property Securites Fund NCF 0.57% 2.23% 0.00%
WFS0239AU International Share Fund 0.54% 1.76% 0.00%
WFS0349AU International Share Fund NCF 0.54% 2.23% 0.00%
WFS0118AU Cash Plus Fund 0.41% 1.41% 0.00%
WFS0025AU Money Market Fund 0.41% 1.41% 0.00%
WFS0351AU Money Market Fund NCF 0.41% 1.38% 0.00%


Westpac Personal Super Fund/Bond (P00)

APIR Code Fund Indirect Costs (%)6 Other Fees (%)7 Borrowing Costs (%)8
APC0403AU Dynamic (5SDG) 0.17% 1.72% 0.11%
APC0402AU Balanced Growth (5SBG) 0.20% 1.72% 0.14%
APC0404AU Conservative Growth/​Protected (5SPP) 0.18% 1.72% 0.14%
APC0401AU Income Accumulation (5SIA) 0.00% 1.76% 0.00%


Westpac Personal Superannuation Bond (E00)

APIR Code Fund Indirect Costs (%)6 Other Fees (%)7 Borrowing Costs (%)8
APC0435AU Growth Plus (5GPP) 0.17% 1.14% 0.11%
APC0434AU Managed Growth (5MGP) 0.20% 1.13% 0.14%
APC0433AU Managed (Capital) Stable/​Protected (5CSP) 0.18% 1.12% 0.14%
APC0431AU Cash Based (5CBP) 0.00% 1.18% 0.00%


Westpac Rollover Bond (R00)

APIR Code Fund Indirect Costs (%)6 Other Fees (%)7 Borrowing Costs (%)8
APC0702AU Balanced Growth (5SBG) 0.20% 1.72% 0.14%
APC0701AU Capital Guaranteed (5SCG) 0.00% 1.76% 0.00%


Westpac Rollover Investment Bond (J00)

APIR Code Fund Indirect Costs (%)6 Other Fees (%)7 Borrowing Costs (%)8
APC0715AU Growth Plus (5GPP) 0.17% 1.14% 0.11%
APC0714AU Managed Growth (5MGP) 0.20% 1.13% 0.14%
APC0712AU Managed (Capital) Stable (5CSP) 0.18% 1.12% 0.14%
APC0711AU Cash Based (5CBP) 0.00% 1.18% 0.00%


Westpac Simple Super (200)

APIR Code Fund Indirect Costs (%)6 Other Fees (%)7 Borrowing Costs (%)8
APC0442AU Managed Investment (2MIO) 0.30% 1.72% 0.14%
APC0441AU Bank Deposit (2BDO) 0.01% 1.76% 0.00%

6. The indirect costs of the option are estimated amounts in relation to the 12 months to 30 June 2019. These indirect costs relate to the underlying fees and costs incurred in managing the investment which directly or indirectly reduce the return on the investment. Indirect costs are estimates and may vary over time.
7. Other fees are estimated amounts in relation to the 12 months to 30 June 2019. Additional fees and costs, such as administration fees, buy-sell spreads, activity fees, advice fees for personal advice or insurance fees, may apply. Other fees are estimates and may vary over time.
8. The borrowing costs of the option are estimate amounts in the relation to the 12 months to 30 June 2019. These borrowing costs are the costs to fund the purchase or borrowing of an asset, such as interest, establishment fees, administrative fees and government charges. Borrowing costs are estimates and may vary over time.