How we manage your super investment

Everyone is different. And everyone has a different view on how involved they want to be in investing their super. With this in mind, your BT super has a range of investment options, offering you flexibility and choice when personalising your super investment mix.

Let us do the investing for you with our Lifestage investment options

You can leave the investing to us and let us manage the investment strategy with the ‘Lifestage’ investment option, or you can choose how your super is invested and adjust your investment mix whenever you wish.

If you don’t make a choice about how you’d like your super invested, your super will be invested in our Lifestage investment option – which is what we call our MySuper ‘default’ option. 

With the ‘Lifestage’ investment option – you leave the investing to us. We invest according to your age and automatically adjust the mix of how your super is invested throughout your working life so you can focus on saving for retirement – rather than investing.

Our Lifestage investment approach is different to the ‘one size fits all’ balanced investment option that many other super funds offer members as their default option. That type of ‘one-size-fits-all’ approach doesn’t take into account a member’s age, meaning that a 58-year-old approaching retirement is exposed to the same risk, and gets the same returns, as an 18-year-old who has just started their first job. They’d also be exposed to the same potential losses in times of market volatility, without as much time to make up their losses.

The aim of our ‘Lifestage’ investment options is to generate wealth over the long term by applying an age-appropriate exposure to risk, which is determined by the decade our members were born, from the 1940s through to the 2000s. This approach aims to maximise investment returns when you’re younger by investing more heavily in growth type investments like shares and property. And, over time, gradually reduces your exposure to riskier assets as you approach retirement to help protect your account balance should negative market events occur.

So, what types of assets do we invest in?

When we invest for you, we look at two broad types of assets classes:

1. Growth assets

This includes assets such as shares and property, which are generally considered the most volatile assets – they’re likely to experience greater fluctuations in value, but also have the potential to generate higher returns over the longer term.

2. Defensive assets

This includes assets such as cash and fixed interest, which are generally considered to have lower levels of risk, and tend to produce lower, more stable returns.

The percentage of your super allocated to these growth and defensive type assets will differ based on the decade in which you were born.

The Lifestage investment option – strategic asset allocation (%)

Lifestage investment option
The growth and defensive asset allocations shown in the pie charts above apply from 1 July 2021. For detailed information on the current asset allocations for each of the Lifestage investment options – please refer to the BT Super for Life Additional Information Booklet and the BT Super Investment Guide.

And when we invest your money in our Lifestage investment options, we incorporate sustainability in our investment approach. It’s not just about what we do and don’t invest in, it’s about making sure we invest in companies that do the right thing by society and the planet. 

Read more about BT’s approach to sustainable investing. 

Interested in more detail about Lifestage investing?

You can read more detail about BT’s approach to Lifestage investing and how it works here.

You can see the full detail of how each Lifestage investment option is invested in the following guides:

  • BT Super for Life members

    ‘How we invest your money’ section of the BT Super for Life Additional Information Booklet.

  • BT Super for Life – Westpac Group Plan members

    Log in to your account via online banking and go to the Product Information > Prices and Performance section. 

  • BT Super members

    ‘How we invest your money’ section of the BT Super Investment Guide

Ready to get started?

If you're ready to get started you can apply online in about 10 minutes.

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What if I want to choose or change how my super is invested? 

If Lifestage investing is not for you – and you’d like to be more involved in how your super is invested – we have a broad range of investment options for you to choose from, offering you the flexibility to personalise your super investment mix.

You can select one or more investment options from our menu, which features a wide range of leading global and local fund managers, and offers funds with different asset classes, levels of risk, and potential returns. 

You can blend specialist options like Australian and international shares, infrastructure, and global property – and pick the investment managers. Or choose from options of ready-mixed assets that we've selected.

If you are interested in investments that prioritise sustainability outcomes, you can choose to place some, or all, of your super in specific sustainable and ethical investment options, managed by our specialist fund manager partner Pendal.  

Read more about BT’s approach to sustainable investing.  

Want more detail on the investment options you can choose from? 

Learn more about personalising your investments.

And you can see the full list of all the investment options available on our menu in the following guides: 

  • BT Super for Life members

    ‘Investment options in BT Super for Life’ section of the BT Super for Life Additional Information Booklet.

  • BT Super for Life – Westpac Group Plan members

    Log in to your account via online banking and go to the Product Information > Prices and Performance section. 

  • BT Super members

    ‘Investment option profiles’ section of the BT Super Investment Guide

Not sure how your super is currently invested? 

Your super is your money – so it’s important to understand how it’s invested.  

You can view how your super is currently invested, as well as details on the investment options available to you – by logging in to your account online. 

Investments screen for BT Super account on Panorama
Image shown is for BT Super only on BT Panorama
  • Log in: BT Super for Life members

    Log in via your Westpac, St.George, BankSA or Bank of Melbourne online banking and select BT Super to view your super.

  • Log in: BT Super members

    Log in at bt.com.au/btsuper via your desktop, on mobile using the BT Panorama Mobile App, or via your Westpac online banking. 

Can I change my investment choice?

If you want to make a change, you can do so at any time in your online account. Or if you need help, call us. We’d be happy to help.  

BT Super members can watch our video for more information on how to change your investments online.  

How has my super been performing? 

How your super is invested determines how it performs – that is, what rate of return you receive – over the short and long term. 

When comparing super fund performance, it’s a good idea to consider returns over the long term. Markets can fluctuate in the short term and your super is designed as a long-term investment to help fund your lifestyle in retirement.  

Our focus is growing your super by delivering returns over the long term to help meet the lifestyle you want in retirement – while managing investment risk and market volatility. 

You can find all the detail about how your investment options have performed over the short and long term in the Past Performance information sheets online at:

There is a well-known adage when it comes to reaping the rewards of super, which is time in the market, not timing the market. In other words, to make money, stay invested for as long as you can, and try not to worry about knowing when the ‘best’ time is to invest.
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This information is current as at 16 April 2021.

The information is prepared by BT Funds Management Limited ABN 63 002 916 458 (BTFM) the trustee of:
   (a) BT Super for Life, BT Super for Life Westpac Group Plan and BT Super part of the superannuation fund Retirement Wrap ABN 39 827 542 991; and
   (b) Asgard Employee Super Account part of the superannuation fund the Asgard Independence Plan Division Two ABN 90 194 410 365.

This information has been prepared as general advice only and does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness, having regard to your personal objectives, financial situation and needs before acting on it. Read the Product Disclosure Statement (PDS) to see if these products are right for you by visiting bt.com.au or asgard.com.au.

BTFM is a member of the Westpac Banking Corporation ABN 33 007 457 141 (Westpac) group of companies. An investment in a BTFM product is not an investment in, deposit with or any other liability of Westpac, any division of Westpac or any other company in the Westpac Group. Past performance is not a reliable indicator of future performance. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of the product or any related assets of the product.

© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.