Whatever your investing experience, your goals, or your philosophy, BT Super may have an investment option to suit you.
Access your super and take action – any time, from anywhere via our online portal or app.
See your super with Westpac online banking.
Invested for you and automatically adjusted for your age or personalise your super by choosing your own investment mix.
Flexible insurance cover from our award-winning insurer.
Tools to help with your financial, mental and physical wellbeing.
Everyday deals and discounts.
BT Super offers flexibility and choice so that everyone can personalise their super.
Lifestage is a smart investment option that changes with your age, with the aim to maximise growth when you are young and reduce your exposure to risk as you approach retirement.
You can make a choice about how your super is invested, if you’d like to. BT Super has investment options to suit different ages, knowledge and goals. See the BT Super Investment Guide for more information.
Other than your employer contributing to your BT Super account, you can build your super quicker by adding to it yourself.
The ways you can contribute to your super are explained in the BT Super Product Disclosure Statement.
Your BT Super account can provide insurance cover that could help if you become ill, injured – or worse.
Some insurance is provided without medical checks to eligible members1.
Insurance fees are paid from your super balance.
You can access wellbeing and rehabilitation programs, to help you get back to the life you enjoy.
While we don’t like to think of something going wrong, it’s comforting to know you have a safety net just in case. The insurance in your super may help you or your family cope financially if something unexpected happens. It is however important to understand that the cost of the premiums for insurance through your super account can reduce the amount of money available to you in retirement.
When you join BT Super, you may automatically be eligible1 for insurance cover if you join through your employer.
Insurance cover can start once you reach an account balance of $6,000 provided you are 25 or older. You can tell us if you want cover to start earlier, or if you don’t want insurance cover in your account.
If your employer has an arrangement with us to pay for your insurance cover, it may start earlier. You will receive a Welcome Pack, either electronically or by mail, with more information about your insurance cover and options.
BT Super offers:
1 Please refer to the Product Disclosure Document (PDS) and relevant Insurance Guide (read the Employee Insurance Guide if you joined via your employer, otherwise please read the Lifetime Insurance Guide) for details about insurance including the eligibility terms and conditions.
Since 1 July 2020, we have partnered with AIA Australia Limited (AIA) to bring our BT Super members help when they need it most.
AIA is an award-winning global insurer with over 47 years’ experience in Australia. Their claims philosophy is simple – when they need it most and making sure every claim that should be paid is paid at the right time. Together with AIA, we can provide a range of programs to support your health and recovery.
At BT, we believe the greatest wealth is to live well. As a super fund, it’s our responsibility to help people prepare for their best financial future, but we know that to truly live well, people need support across all aspects of their life - financial, physical and mental health, as well as a focus on wellbeing through family and community.
That’s why we’re the first super fund to bring a whole wellbeing philosophy to our super offer and provide programs, tools and support across all of these fronts. Here are some examples.
BT Super forms part of the Retirement Wrap
ABN 39 827 542 991
BT Funds Management Limited
ABN 63 002 916 458
For more information in relation to Registrable Superannuation Entity:
Executive officers and executive & trustee remuneration
Nomination, appointment and removal of trustees/directors
Directors & executives relevant interest and duties register
RSE board meeting attendance
RSE conflicts management policy
Proxy voting policies
Summary of how voting rights have been exercised
Name and ABN of all outsource service providers
BT Super forms part of Retirement Wrap ABN 39 827 542 991 (‘Fund’) and is issued by BT Funds Management Limited ABN 63 002 916 458, AFSL 233724 (‘BTFM’), the trustee of the Fund. A Product Disclosure Statement (PDS) (including the Guides) and Financial Services Guide are available by calling us on 132 135 or visiting bt.com.au.
You should consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super. SuperCheck involves a search for superannuation being undertaken by BTFM. The information in this publication does not take into account your personal objectives, financial situation or needs and because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs. This publication provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such.
BTFM is a subsidiary of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). An investment in BT Super is not an investment in, deposit with Westpac or any other liability of 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. Westpac and its related entities (including BTFM) do not stand behind or otherwise guarantee the capital value or investment performance of BT Super.