Retail superannuation

BT Super for Life

These fees and costs are estimated amounts in relation to the 12 months to 30 June 2017.

APIR Code Investment Option Indirect Costs1 Other Costs2 Borrowing Costs
Super
BTA0288AU Lifestage Fund - 1940s 0.15% 0.95% 0%
BTA0289AU Lifestage Fund - 1950s 0.14% 0.95% 0%
BTA0290AU Lifestage Fund - 1960s 0.14% 0.95% 0%
BTA0291AU Lifestage Fund - 1970s 0.15% 0.95% 0%
BTA0292AU Lifestage Fund - 1980s 0.15% 0.95% 0%
BTA0293AU Lifestage Fund - 1990s 0.15% 0.95% 0%
BTA0442AU Lifestage Fund - 2000s 0.15% 0.95% 0%
BTA0294AU Conservative Fund 0.22% 0.95% 0%
BTA0296AU Moderate Fund 0.23% 0.95% 0%
BTA0295AU Growth Fund 0.21% 0.95% 0%
BTA0297AU Super Cash 1.25% 0% 0%
Transition to Retirement
BTA0289AU Lifestage Fund - 1950s 0.14% 0.95% 0%
BTA0290AU Lifestage Fund - 1960s 0.14% 0.95% 0%
BTA0294AU Conservative Fund 0.22% 0.95% 0%
BTA0296AU Moderate Fund 0.23% 0.95% 0%
BTA0295AU Growth Fund 0.21% 0.95% 0%
BTA0297AU Super Cash 1.25% 0% 0%
Retirement
BTA0281AU Lifestage Fund - 1940s 0.15% 0.95% 0%
BTA0282AU Lifestage Fund - 1950s 0.14% 0.95% 0%
BTA0290AU Lifestage Fund - 1960s 0.14% 0.95% 0%
BTA0283AU Conservative Fund 0.22% 0.95% 0%
BTA0285AU Moderate Fund 0.22% 0.95% 0%
BTA0284AU Growth Fund 0.20% 0.95% 0%
BTA0286AU Super Cash 1.24% 0% 0%

1. The indirect cost ratio for the Lifestage Funds may be higher if certain investment performance targets are achieved. Please refer to ‘Additional explanation of fees and costs’ in the Additional Information Booklet for more information.
2. 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.


The fees and costs are estimated amounts in relation to the 12 months to 30 June 2017.

BT Lifetime - Personal Super

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
BTA0197AU Aberdeen Actively Hedged International Equities 0.37% 2.06% 0%
BTA0217AU Aberdeen Actively Hedged International Equities NEF 0.34% 2.48% 0%
BTA0199AU BlackRock Balanced 0.95% 2.03% 0.01%
BTA0219AU BlackRock Balanced NEF 0.95% 2.44% 0.01%
BTA0018AU BT Australasian Bond 0.40% 1.28% 0%
BTA0142AU BT Australasian Bond NEF 0.32% 1.69% 0%
BTA0019AU BT Australian Share 0.52% 1.54% 0%
BTA0144AU BT Australian Share NEF 0.50% 1.95% 0%
BTA0603AU BT Balanced Returns 0.81% 1.54% 0.08%
BTA0140AU BT Balanced Returns NEF 0.80% 1.95% 0%
BTA0601AU BT Cash 0.20% 1.02% 0%
BTA0174AU BT Cash NEF 0.19% 1.44% 0%
BTA0602AU BT Conservative Outlook 0.75% 1.54% 0%
BTA0139AU BT Conservative Outlook NEF 0.70% 1.95% 0%
BTA0065AU BT Future Goals Fund 0.71% 1.54% 0%
BTA0138AU BT Future Goals NEF 0.68% 1.95% 0%
BTA0020AU BT Global Bond 0.38% 1.28% 0%
BTA0027AU BT International Share 0.43% 1.54% 0%
BTA0143AU BT International Share NEF 0.41% 1.95% 0%
BTA0082AU BT Partner Australian Shares Growth 1 0.41% 1.95% 0%
BTA0088AU BT Partner Australian Shares Growth 1 NEF 0.28% 2.36% 0%
BTA0604AU BT Property Securities 0.42% 1.54% 0%
BTA0145AU BT Property Securities NEF 0.38% 1.95% 0%
BTA0146AU BT Technology 0.42% 1.66% 0%
BTA0147AU BT Technology - NCF 0.39% 2.07% 0%
BTA0196AU Colonial First State Australian Share 0.50% 2.04% 0%
BTA0216AU Colonial First State Australian Share NEF 0.44% 2.45% 0%
BTA0198AU Macquarie Conservative 0.38% 1.90% 0%
BTA0200AU MLC Growth 0.51% 2.07% 0.04%
BTA0220AU MLC Growth NEF 0.46% 2.48% 0.04%
BTA0231AU BT Multi Manager Balanced 0.57% 1.91% 0%
BTA0237AU BT Multi Manager Balanced NEF 0.51% 2.32% 0%
BTA0232AU BT Multi Manager Conservative 0.51% 1.80% 0%
BTA0086AU BT Multi Manager High Growth 0.56% 2.16% 0%
BTA0230AU BT Multi Manager Growth 0.60% 2.01% 0%
BTA0236AU BT Multi Manager Growth NEF 0.54% 2.42% 0%


BT Classic Lifetime - Personal Super

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
RFA0413AU BT Active Balanced 0.75% 1.64% 0.07%
RFA0040AU BT Active Balanced NEF 0.75% 1.64% 0.07%
RFA0009AU BT Cash 0.22% 1.13% 0%
RFA0042AU BT Cash NEF 0.22% 1.13% 0%
RFA0412AU BT Conservative 0.71% 1.53% 0.07%
RFA0041AU BT Conservative NEF 0.71% 1.53% 0.07%
RFA0118AU BT Core Australian Share 0.47% 1.74% 0%
RFA0038AU BT Core Australian Share NEF 0.47% 1.74% 0%
RFA0119AU BT Core Global Share 0.41% 1.87% 0%
RFA0035AU BT Core Glob Share NEF 0.41% 1.87% 0%
RFA0039AU BT Diversified Share NEF 0.46% 1.65% 0%
RFA0414AU BT Diversified Share 0.46% 1.65% 0%
RFA0124AU BT Ethical Share 0.49% 1.85% 0%
RFA0036AU BT Ethical Share NEF 0.49% 1.85% 0%


BT Retirement Selection - Personal Super Plan

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
BTA0013AU BT Australasian Bond 0.31% 1.85% 0%
BTA0014AU BT Australian Share 0.43% 1.85% 0%
BTA0403AU BT Balanced Returns 0.66% 1.85% 0.08%
BTA0401AU BT Cash 0.18% 1.10% 0%
BTA0402AU BT Conservative Outlook 0.66% 1.85% 0%
BTA0067AU BT Future Goals 0.61% 1.86% 0%
BTA0016AU BT International Share 0.33% 1.85% 0%
BTA0017AU BT Property Securities 0.37% 1.85% 0%


BT Superannuation Investment Fund

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
WFS0401AU BT Superannuation Investment Fund 0.70% 1.23% 0.08%


BT Superannuation Savings Fund

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
WFS0402AU BT Superannuation Savings Fund 0.29% 1.04% 0%


Westpac Lifetime Super Service (Q/QN)

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
WFS0100AU Dynamic growth 0.61% 1.71% 0%
WFS0348AU Dynamic growth NCF 0.61% 2.19% 0%
WFS0027AU Balanced Growth 0.70% 1.71% 0%
WFS0346AU Balanced Growth NCF 0.70% 2.18% 0%
WFS0029AU Moderate Growth 0.69% 1.70% 0%
WFS0350AU Moderate Growth NCF 0.69% 2.18% 0%
WFS0026AU Conservative Growth 0.65% 1.71% 0%
WFS0347AU Conservative Growth NCF 0.65% 2.18% 0%
WFS0241AU Australian Share Fund 0.48% 1.72% 0%
WFS0345AU Australian Share Fund NCF 0.48% 2.19% 0%
WFS0240AU Australian Property Securities Fund 0.53% 1.72% 0%
WFS0352AU Australian Property Securites Fund NCF 0.53% 2.19% 0%
WFS0239AU International Share Fund 0.50% 1.75% 0%
WFS0349AU International Share Fund NCF 0.50% 2.22% 0%
WFS0118AU Cash Plus Fund 0.45% 1.41% 0%
WFS0025AU Money Market Fund 0.45% 1.41% 0%
WFS0351AU Money Market Fund NCF 0.45% 1.88% 0%


Westpac Personal Super Fund/Bond (P00)

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
APC0403AU Dynamic (5SDG) 0.16% 1.72% 0%
APC0402AU Balanced Growth (5SBG) 0.24% 1.71% 0%
APC0404AU Conservative Growth/Protected (5SPP) 0.20% 1.71% 0%
APC0401AU Income Accumulation (5SIA) 0.00% 1.76% 0%


Westpac Personal Superannuation Bond (E00)

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
APC0435AU Growth Plus (5GPP) 0.16% 1.13% 0%
APC0434AU Managed Growth (5MGP) 0.24% 1.12% 0%
APC0433AU Managed (Capital) Stable/Protected (5CSP) 0.20% 1.10% 0%
APC0431AU Cash Based (5CBP) 0.00% 1.18% 0%


Westpac Rollover Bond (R00)

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
APC0702AU Balanced Growth (5SBG) 0.24% 1.71% 0%
APC0701AU Capital Guaranteed (5SCG) 0.00% 1.76% 0%


Westpac Rollover Investment Bond (J00)

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
APC0715AU Growth Plus (5GPP) 0.16% 1.13% 0%
APC0714AU Managed Growth (5MGP) 0.24% 1.12% 0%
APC0712AU Managed (Capital) Stable (5CSP) 0.20% 1.10% 0%
APC0711AU Cash Based (5CBP) 0.00% 1.18% 0%


Westpac Simple Super (200)

APIR Code Fund Indirect Costs (%) Other Fees (%) Borrowing Costs (%)
APC0442AU Managed Investment (2MIO) 0.29% 1.71% 0%
APC0441AU Bank Deposit (2BDO) 0.05% 1.76% 0%

These fees and costs are estimated amounts in relation to the 12 months to 30 June 2017.