| APIR Code | Investment Option | Indirect Costs3 | Other Fees (%)4 | Borrowing Costs (%) |
|---|---|---|---|---|
| Super and Transition to Retirement (TTR) | ||||
| BTA0288AU | 1940s Lifestage - Super 1 5 | 0.14 | 0.95 | 0.02 |
| BTA0289AU | 1950s Lifestage - Super & TTR1 5 | 0.14 | 0.95 | 0.02 |
| BTA0290AU | 1960s Lifestage - Super & TTR1 5 | 0.16 | 0.95 | 0.02 |
| BTA0291AU | 1970s Lifestage - Super1 5 | 0.18 | 0.95 | 0.02 |
| BTA0292AU | 1980s Lifestage - Super1 5 | 0.18 | 0.95 | 0.02 |
| BTA0293AU | 1990s Lifestage - Super1 5 | 0.18 | 0.95 | 0.02 |
| BTA0442AU | 2000s Lifestage - Super1 5 | 0.19 | 0.95 | 0.02 |
| BTA7639AU | Active Defensive - Super & TTR2 | 0.20 | 0.95 | 0.00 |
| BTA5118AU | Active Moderate - Super & TTR2 | 0.22 | 1.00 | 0.00 |
| BTA8610AU | Active Balanced - Super & TTR 2 | 0.23 | 1.05 | 0.00 |
| BTA1267AU | Active Growth - Super & TTR2 | 0.23 | 1.10 | 0.00 |
| BTA4469AU | Active High Growth - Super & TTR2 | 0.21 | 1.20 | 0.00 |
| BTA6292AU | Index Defensive - Super & TTR2 | 0.11 | 0.70 | 0.00 |
| BTA6329AU | Index Moderate - Super & TTR2 | 0.11 | 0.75 | 0.00 |
| BTA2413AU | Index Balanced - Super & TTR2 | 0.11 | 0.77 | 0.00 |
| BTA1570AU | Index Growth - Super & TTR2 | 0.11 | 0.79 | 0.00 |
| BTA1215AU | Index High Growth - Super & TTR2 | 0.11 | 0.81 | 0.00 |
| BTA9311AU | Active Australian Shares - Super & TTR2 | 0.18 | 1.15 | 0.00 |
| BTA3009AU | Active International Shares - Super & TTR2 | 0.14 | 1.25 | 0.00 |
| BTA4584AU | Active Global Property - Super & TTR2 | 0.24 | 1.25 | 0.00 |
| BTA3075AU | Active Global Fixed Interest - Super & TTR2 | 0.15 | 1.00 | 0.00 |
| BTA0297AU | Cash - Super & TTR | |||
| Estimated indirect costs in relation to the 12 months to 30 June 2019: | 1.28 | N/A | 0.00 | |
| Effective from 1 November 2019 the Cash option invests in a unit trust managed by Pendal. Estimated other indirect costs in relation to the period 1 November 2019 to 30 June 2020 (% pa) | 0.12 | N/A | 0.00 | |
| BTA0749AU | Index Australian Shares - Super & TTR2 | 0.11 | 0.65 | 0.00 |
| BTA3104AU | Index International Shares - Super & TTR2 | 0.10 | 0.65 | 0.00 |
| BTA5401AU | Index Property Securities - Super & TTR2 | 0.10 | 0.65 | 0.00 |
| BTA7978AU | Index Australian Fixed Interest - Super & TTR2 | 0.12 | 0.65 | 0.00 |
| BTA5137AU | Index International Fixed Interest - Super & TTR2 | 0.10 | 0.65 | 0.00 |
| BTA7669AU | Antipodes Global - Super & TTR2 | 0.48 | 1.83 | 0.00 |
| BTA0939AU | Pendal Technology2 | 0.32 | 1.75 | 0.00 |
| BTA8782AU | Pendal Core Australian Shares - Super & TTR2 | 0.22 | 1.16 | 0.00 |
| BTA0295AU | Pendal Growth Shares - Super & TTR1 | 0.19 | 0.95 | 0.00 |
| BTA8643AU | Fidelity Australian Shares - Super & TTR2 | 0.14 | 1.20 | 0.00 |
| BTA5720AU | Magellan Global Shares - Super & TTR2 | 0.81 | 1.77 | 0.00 |
| BTA3197AU | Nikko AM Value Australian Shares - Super & TTR2 | 0.28 | 1.05 | 0.00 |
| BTA6816AU | T. Rowe Price Global Shares - Super & TTR2 | 0.18 | 1.45 | 0.00 |
| BTA9281AU | APN AREIT - Super & TTR2 | 0.10 | 1.10 | 0.00 |
| BTA6520AU | Pendal Australian Property Securities - Super & TTR2 | 0.20 | 1.05 | 0.00 |
| BTA5958AU | Pendal Global Property Securities - Super & TTR2 | 0.20 | 1.30 | 0.00 |
| BTA1038AU | RARE Value Infrastructure (Unhedged)2 | 0.67 | 1.55 | 0.00 |
| BTA0956AU | Pendal Australian Bonds - Super & TTR2 | 0.14 | 0.90 | 0.00 |
| BTA5729AU | Franklin Templeton Multisector Bonds - Super & TTR2 | 0.22 | 1.23 | 0.00 |
| BTA2241AU | PIMCO International Bonds - Super & TTR2 | 0.35 | 0.85 | 0.00 |
| BTA7850AU | UBS Australian Bonds - Super & TTR2 | 0.10 | 0.80 | 0.00 |
| BTA0294AU | Pendal Sustainable Conservative - Super & TTR1 | 0.26 | 0.95 | 0.08 |
| BTA0296AU | Pendal Sustainable Balanced - Super & TTR1 | 0.27 | 0.95 | 0.08 |
| Retirement | ||||
| BTA0281AU | 1940s Lifestage1 5 | 0.14 | 0.95 | 0.02 |
| BTA0282AU | 1950s Lifestage1 5 | 0.14 | 0.95 | 0.02 |
| BTA5173AU | 1960s Lifestage1 5 | 0.16 | 0.95 | 0.02 |
| BTA4224AU | Active Defensive2 | 0.20 | 0.95 | 0.00 |
| BTA4220AU | Active Moderate2 | 0.22 | 1.00 | 0.00 |
| BTA3705AU | Active Balanced2 | 0.23 | 1.05 | 0.00 |
| BTA0576AU | Active Growth2 | 0.23 | 1.10 | 0.00 |
| BTA1046AU | Active High Growth2 | 0.21 | 1.20 | 0.00 |
| BTA6311AU | Index Defensive2 | 0.11 | 0.70 | 0.00 |
| BTA6050AU | Index Moderate2 | 0.11 | 0.75 | 0.00 |
| BTA2538AU | Index Balanced2 | 0.11 | 0.77 | 0.00 |
| BTA7716AU | Index Growth2 | 0.11 | 0.79 | 0.00 |
| BTA3098AU | Index High Growth2 | 0.11 | 0.81 | 0.00 |
| BTA1472AU | Active Australian Shares2 | 0.18 | 1.15 | 0.00 |
| BTA7524AU | Active International Shares2 | 0.14 | 1.25 | 0.00 |
| BTA8341AU | Active Global Property2 | 0.24 | 1.25 | 0.00 |
| BTA2506AU | Active Global Fixed Interest2 | 0.15 | 1.00 | 0.00 |
| BTA0286AU | Cash | |||
| Estimated indirect costs in relation to the 12 months to 30 June 2019: | 1.26 | N/A | 0.00 | |
| Effective from 1 November 2019 the Cash option invests in a unit trust managed by Pendal. Estimated other indirect costs in relation to the period 1 November 2019 to 30 June 2020 (% pa) | 0.12 | N/A | 0.00 | |
| BTA7951AU | Index Australian Shares2 | 0.11 | 0.65 | 0.00 |
| BTA4695AU | Index International Shares2 | 0.10 | 0.65 | 0.00 |
| BTA5704AU | Index Property Securities2 | 0.10 | 0.65 | 0.00 |
| BTA9277AU | Index Australian Fixed Interest 2 | 0.12 | 0.65 | 0.00 |
| BTA8116AU | Index International Fixed Interest2 | 0.10 | 0.65 | 0.00 |
| BTA1684AU | Antipodes Global2 | 0.48 | 1.83 | 0.00 |
| BTA3730AU | Pendal Technology2 | 0.32 | 1.75 | 0.00 |
| BTA5948AU | Pendal Core Australian Shares2 | 0.22 | 1.16 | 0.00 |
| BTA0284AU | Pendal Growth Shares1 | 0.19 | 0.95 | 0.00 |
| BTA5087AU | Fidelity Australian Shares2 | 0.14 | 1.20 | 0.00 |
| BTA8572AU | Magellan Global Shares2 | 0.81 | 1.77 | 0.00 |
| BTA5953AU | Nikko AM Value Australian Shares2 | 0.28 | 1.05 | 0.00 |
| BTA3034AU | T. Rowe Price Global Shares2 | 0.18 | 1.45 | 0.00 |
| BTA4753AU | APN AREIT2 | 0.10 | 1.10 | 0.00 |
| BTA6840AU | Pendal Australian Property Securities2 | 0.20 | 1.05 | 0.00 |
| BTA6581AU | Pendal Global Property Securities2 | 0.20 | 1.30 | 0.00 |
| BTA5700AU | RARE Value Infrastructure (Unhedged)2 | 0.67 | 1.55 | 0.00 |
| BTA5930AU | Pendal Australian Bonds2 | 0.14 | 0.90 | 0.00 |
| BTA0970AU | Franklin Templeton Multisector Bonds2 | 0.22 | 1.23 | 0.00 |
| BTA8655AU | PIMCO International Bonds2 | 0.35 | 0.85 | 0.00 |
| BTA3467AU | UBS Australian Bonds2 | 0.10 | 0.80 | 0.00 |
| BTA0283AU | Pendal Sustainable Conservative1 | 0.26 | 0.95 | 0.09 |
| BTA0285AU | Pendal Sustainable Balanced1 | 0.27 | 0.95 | 0.08 |
1. The indirect costs of the option are estimated amounts in relation to the 12 months to 30 June 2019.
2. The indirect costs of the option are estimated amounts in relation to the 12 months to 30 June 2020 (the first full financial year during which the option has been offered ).
3. 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.
4. 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.
5. 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 June 2020 the investment fee for members invested in the BT Lifestage investment option will be 0.40%
| APIR Code | Fund | Indirect Costs (%)6 | Other Fees (%)7 | Borrowing Costs (%)8 |
|---|---|---|---|---|
| WFS0100AU | Dynamic growth | 0.59% | 1.73% | 0.06% |
| WFS0348AU | Dynamic growth NCF | 0.59% | 2.20% | 0.06% |
| WFS0027AU | Balanced Growth | 0.62% | 1.72% | 0.08% |
| WFS0346AU | Balanced Growth NCF | 0.62% | 2.20% | 0.08% |
| WFS0029AU | Moderate Growth | 0.61% | 1.72% | 0.09% |
| WFS0350AU | Moderate Growth NCF | 0.61% | 2.19% | 0.09% |
| WFS0026AU | Conservative Growth | 0.60% | 1.72% | 0.08% |
| WFS0347AU | Conservative Growth NCF | 0.60% | 2.19% | 0.08% |
| WFS0241AU | Australian Share Fund | 0.50% | 1.76% | 0.00% |
| WFS0345AU | Australian Share Fund NCF | 0.50% | 2.23% | 0.00% |
| WFS0240AU | Australian Property Securities Fund | 0.57% | 1.76% | 0.00% |
| WFS0352AU | Australian Property Securites Fund NCF | 0.57% | 2.23% | 0.00% |
| WFS0239AU | International Share Fund | 0.50% | 1.77% | 0.00% |
| WFS0349AU | International Share Fund NCF | 0.50% | 2.23% | 0.00% |
| WFS0118AU | Cash Plus Fund | 0.43% | 1.41% | 0.00% |
| WFS0025AU | Money Market Fund | 0.43% | 1.41% | 0.00% |
| WFS0351AU | Money Market Fund NCF | 0.43% | 1.38% | 0.00% |
| APIR Code | Fund | Indirect Costs (%)6 | Other Fees (%)7 | Borrowing Costs (%)8 |
|---|---|---|---|---|
| APC0403AU | Dynamic (5SDG) | 0.13% | 1.73% | 0.06% |
| APC0402AU | Balanced Growth (5SBG) | 0.16% | 1.72% | 0.08% |
| APC0404AU | Conservative Growth/Protected (5SPP) | 0.14% | 1.72% | 0.08% |
| APC0401AU | Income Accumulation (5SIA) | 0.00% | 1.77% | 0.00% |
| APIR Code | Fund | Indirect Costs (%)6 | Other Fees (%)7 | Borrowing Costs (%)8 |
|---|---|---|---|---|
| APC0435AU | Growth Plus (5GPP) | 0.13% | 1.15% | 0.06% |
| APC0434AU | Managed Growth (5MGP) | 0.16% | 1.14% | 0.08% |
| APC0433AU | Managed (Capital) Stable/Protected (5CSP) | 0.14% | 1.13% | 0.08% |
| APC0431AU | Cash Based (5CBP) | 0.00% | 1.18% | 0.00% |
| APIR Code | Fund | Indirect Costs (%)6 | Other Fees (%)7 | Borrowing Costs (%)8 |
|---|---|---|---|---|
| APC0702AU | Balanced Growth (5SBG) | 0.16% | 1.72% | 0.08% |
| APC0701AU | Capital Guaranteed (5SCG) | 0.00% | 1.76% | 0.00% |
| APIR Code | Fund | Indirect Costs (%)6 | Other Fees (%)7 | Borrowing Costs (%)8 |
|---|---|---|---|---|
| APC0715AU | Growth Plus (5GPP) | 0.13% | 1.15% | 0.06% |
| APC0714AU | Managed Growth (5MGP) | 0.16% | 1.14% | 0.08% |
| APC0712AU | Managed (Capital) Stable (5CSP) | 0.14% | 1.13% | 0.08% |
| APC0711AU | Cash Based (5CBP) | 0.00% | 1.18% | 0.00% |
| APIR Code | Fund | Indirect Costs (%)6 | Other Fees (%)7 | Borrowing Costs (%)8 |
|---|---|---|---|---|
| APC0442AU | Managed Investment (2MIO) | 0.21% | 1.72% | 0.08% |
| APC0441AU | Bank Deposit (2BDO) | 0.02% | 1.76% | 0.00% |
6. The indirect costs of the option are estimated amounts in relation to the 12 months to 30 June 2018. 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 2018. 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 2018. 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.