Super investment options

Choose from a broad range of investment styles and asset classes.

Diversified funds

Our diversified funds let you invest across a range of asset classes based on market indices. 

Returns are financial year returns (%) to 30 June 2021. Read more about the Standard Risk Measure

Invests in a diverse mix of assets with the majority in the defensive assets of cash and fixed interest (around 70%) and a modest investment in growth assets such as shares and property (around 30%).

Standard risk measure

low risk

2021 return:

8.42%

Invests in a mix of defensive assets such as cash and fixed interest (around 50%) and growth assets such as shares and property (around 50%).

Standard risk measure

low risk

2021 return:

13.12%

Invests in a diverse mix of assets with both income producing assets of cash and fixed interest (around 30%) and growth assets of shares and property (around 70%).

Standard risk measure

standard risk measure

2021 return:

19.38%

Invests in a diverse mix of assets with an emphasis on the growth oriented assets of Australian and international shares (around 85%) and investment in defensive assets of cash and fixed interest (around 15%) providing some income and stability of returns.

Standard risk measure

standard risk measure

2021 return:

23.77%

Invests primarily in growth assets such as Australian and international shares with some exposure to property.

Standard risk measure

standard risk measure

2021 return:

25.87%

Invests in a diverse mix of assets with both income-producing assets (around 30%) of cash and fixed interest, and growth assets (around 70%) including shares and property.

Standard risk measure

standard risk measure

2021 return:

17.04%

Invests in a diverse mix of assets with a majority (about 70%) in the defensive assets of cash and fixed interest and a modest investment (about 30%) in growth assets, such as shares and property.

Standard risk measure

low risk

2021 return:

6.95%

Invests in a diverse mix of assets with an emphasis (around 85%) on growth oriented assets of Australian and international shares, and investment (around 15%) in defensive assets of cash and fixed interest providing some income and stability of returns.

Standard risk measure

standard risk measure

2021 return:

21.23%

Invests primarily in growth assets such as Australian and international shares and property.

Standard risk measure

standard risk measure

2021 return: 

25.17%

Invests in a mix of defensive assets (around 50%) such as cash and fixed interest and growth assets (around 50%) such as shares and property.

Standard risk measure

standard risk measure

2021 return: 

11.80%

Sector-based funds

Increase your exposure to asset classes that suit your specific investment needs, such as Australian or international shares or fixed interest investments, property, or cash. 

Returns are financial year returns (%) to 30 June 2021. Read more about the Standard Risk Measure

Invests predominantly in global and Australian fixed interest securities and instruments through a number of leading investment managers.

Standard risk measure

standard risk measure

2021 return: 

0.43%

Invests in a wide range of property securities listed, or expected to be listed, on major world stock exchanges which derive the bulk of their income from property rental income and/or development as well as infrastructure securities.

Standard risk measure

standard risk measure

2021 return: 

27.99%

Invests predominantly in a wide range of Australian shares listed, or expected to be listed, on the Australian Securities Exchange.

Standard risk measure

standard risk measure

2021 return: 

27.11%

Invests in a wide range of international shares listed, or expected to be listed, on world stock exchanges, including emerging markets and across a diverse range of industries.

Standard risk measure

standard risk measure

2021 return: 

26.43%

Invests in a wide range of Australian interest bearing securities such as Commonwealth, State and corporate bonds which are included in the benchmark.

Standard risk measure

standard risk measure

2021 return: 

-1.40%

Invests predominantly in a wide range of Australian shares listed or expected to be listed on the Australian Securities Exchange which are included in the benchmark.

Standard risk measure

standard risk measure

2021 return: 

25.34%

Invests predominantly in a wide range of international interest bearing securities such as Commonwealth, State and corporate bonds which are included in the benchmark.

Standard risk measure

standard risk measure

2021 return: 

0.52%

Invests in a wide range of international shares listed or expected to be listed, on world stock exchanges, including emerging markets which are included in the benchmark.

Standard risk measure

standard risk measure

2021 return: 

23.83%

Invests in a wide range of Australian property securities listed or expected to be listed on the Australian Securities Exchange which are included in the benchmark.

Standard risk measure

standard risk measure

2021 return: 

30.24%

Specialist funds

Specialist investment options from leading global and Australian investment managers give you the ability to diversity across asset classes and investment styles. 

Returns are financial year returns (%) to 30 June 2021. Read more about the Standard Risk Measure

Invests typically in a select number of attractively valued companies listed on global share markets (usually a minimum of 30 long holdings).

Standard risk measure

standard risk measure

2021 return: 

19.33%

Invests in AREITs and cash/fixed interest. The underlying fund will not invest in direct property.

Standard risk measure

standard risk measure

2021 return: 

27.86%

Invests in a diversified selection of around 30 to 50 Australian companies. Fidelity believes that markets are semi-efficient and share prices don’t always reflect inherent value. Through in-house, bottom-up company research, Fidelity aims to uncover the opportunities that it believes offer the greatest scope for outperformance. Based on this research approach, Fidelity seeks out stocks that it believes are undervalued and likely to generate growth.

Standard risk measure

standard risk measure

2021 return: 

28.42%

Invests in a portfolio of fixed income securities and debt obligations of governments, government related and corporate issuers worldwide.

Standard risk measure

standard risk measure

2021 return: 

0.29%

Invests primarily in the securities of companies listed on stock exchanges around the world, but will also have some exposure to cash and cash equivalents.

Standard risk measure

standard risk measure

2021 return: 

9.46%

Nikko AM applies its Comparative Value Analysis process and risk management tools to select intrinsic value investments that offer the best balance between risk and expected return.

Standard risk measure

standard risk measure

2021 return: 

31.53%

Invests in international shares and cash. This investment option is actively managed and seeks what the manager perceives to be the best investment opportunities in the technology sector.

Standard risk measure

standard risk measure

2021 return: 

23.82%

Invests in government, corporate, mortgage and other global fixed interest securities. Predominantly invests in investment grade securities, but may also hold non-investment grade fixed interest securities and emerging market debt.

Standard risk measure

standard risk measure

2021 return: 

2.53%

Invests in a diverse range of global infrastructure securities across a number of infrastructure subsectors such as gas, electricity and water utilities, toll-roads, airports, rail and communication infrastructure and across geographic regions.

Standard risk measure

standard risk measure

2021 return: 

10.41%

Invests in a truly global portfolio consisting of the highest conviction investment ideas, typically a minimum of 90 holdings, within a diversified framework of country, sector and company guidelines.

Standard risk measure

standard risk measure

2021 return: 

30.12%

Invests up to 100% in predominantly Australian fixed income securities, global fixed income securities, cash and cash equivalents.

Standard risk measure

standard risk measure

2021 return: 

0.84%

Invests in property securities including listed property trusts, developer and infrastructure investments. It invests primarily in Australia but at times may have some overseas exposure. Up to 15% can be invested in international listed property securities.

Standard risk measure

standard risk measure

2021 return: 

33.13%

Invests primarily in listed property securities in North American, European and Asian (ex Australia) markets. The investments are generally in publicly traded Real Estate Investment Trusts (REITs) and real estate related securities, including securities of companies whose principal activities include development, ownership, construction, management or sale of real estate. It may also hold cash and may use derivatives.

Standard risk measure

standard risk measure

2021 return: 

28.79%

Invests in Australian shares based on Pendal’s core investment style, and aims to add value through active stock selection and fundamental company research. Pendal’s core investment style is to select stocks based on its assessment of their long term worth and ability to outperform the market, without being restricted by a growth or value bias. Pendal’s fundamental company research focuses on valuation, franchise, management quality and risk factors (both financial and non-financial risk).

Standard risk measure

standard risk measure

2021 return: 

27.64%

Invests in a combination of Commonwealth government, semi-government and corporate debt and short-term money market securities. It may also invest tactically in international fixed interest markets.

Standard risk measure

standard risk measure

2021 return: 

-2.13%

Invests primarily in growth assets such as Australian and international shares.

Standard risk measure

standard risk measure

2021 return: 

29.05%

Invests in Australian and international shares, Australian and international listed property securities, Australian and international fixed interest, cash and alternative investments. The underlying fund’s investments in Australian and international shares, Australian and international fixed interest components and a portion of the alternative investments components are selected on a range of sustainable, ethical and financial criteria. It has a higher weighting towards defensive assets, such as fixed interest and cash.

Standard risk measure

low risk

2021 return: 

7.19%

Invests in Australian and international shares, Australian and international listed property securities, Australian and international fixed interest, cash and alternative investments. The underlying fund’s investments in Australian and international shares, Australian and international fixed interest components and a portion of the alternative investments components are selected on a range of sustainable, ethical and financial criteria.

Standard risk measure

standard risk measure

2021 return: 

18.61%

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Want more information about performance?

View detailed performance figures for our super investment options
 

Leave the investing to us or choose how your super is invested and adjust your investment mix whenever you wish.

Our default Lifestage investment approach is designed to ensure your super can adapt as you move through different stages of your life.
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.

Things you should know

1 Returns for TTR accounts may differ from those shown. From 1 July 2017 investment earnings on TTR accounts, which were previously tax-free, became subject to a tax of up to 15%. Refer to the following notice for further information: SFL Changes

2 Performance figures are calculated in accordance with the APRA reporting standards. Total returns are calculated using withdrawal prices appropriate for the month end and take into account all fees and costs, including the $9.00 per month administration fee, and earnings tax up to a maximum of 15%.Additional costs apply and vary by investment option. Refer to the Fees and Costs section of the Product Disclosure Statement (PDS) for details.

3 Performance figures are calculated in accordance with the Financial Services Council (FSC) standards. Total returns are calculated using withdrawal prices appropriate for the month end and take into account all fees and costs (other than the $9.00 per month administration fee) and, in the case of Super investment options, take into account earnings tax up to a maximum of 15%. In the case of Retirement investment options, no allowance is made for tax you may pay as a member other than withholding tax on foreign income (if any). Additional costs apply and vary by investment option. Refer to the Fees and Costs section of the PDS for details.

Certain other fees such as Contribution fees or Withdrawal fees (if any) are not taken into account.

Investment returns are historical. Investment returns can move up or down and past performance is not necessarily indicative of future performance.

Future performance is not guaranteed. Performance differences between the investment options and respective underlying funds exist due to factor such as valuation timing differences, differences in fees and charges, distributions (as cash may be retained for liquidity purposes) and higher cash holdings.

More information on the asset allocation and risk exposures of each fund can be found in the PDS.

BT Funds Management Limited ABN 63 002 916 458, AFSL No. 233724, RSE No. L0001090 is Trustee of BT Super for Life ABN 39 827 542 99 1RSE R1001327. A Product Disclosure Statement (PDS) is available for BT Super for Life and can be obtained by visiting bt.com.au, calling 1300 653 553 or visiting any Westpac, St.George, Bank of Melbourne or BankSA branch. You should consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super for Life. An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. The Bank is not the issuer of BT Super for Life. Neither the Bank nor any other company in the Westpac Group stands behind or otherwise guarantees the capital value or investment performance of BT Super for Life. This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness,having regard to your objectives, financial situation and needs. Information is current as at 30 April 2021.