Superannuation - planning for the future

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The tax advantages of super.
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Superannuation products:

Product overview	What	Who	Details
Lifetime Superannuation Service - available directly	Your super can be invested in eight fund alternatives to suit your preference for risk versus return Asset classes include international shares, Australian shares, property, fixed interest and cash	Suits those looking to make super contributions or rollover existing super Minimum investment $3,000 (lump sum) or $120 per month	View and compare funds Historical performance for: Contribution funds¹ Nil contribution funds² Product Disclosure Statement Buy - Sell Differentials Indirect Cost Ratio (ICR)
BT Super for Life - Available directly	See and manage through Westpac Online Turn credit card points into super Easy to take with you from your first job and into retirement Low fees Easy online application	Suits those who are working, nearing retirement or who have retired No minimum investment for BT Super for Life – Savings account	Find out more about BT Super for Life Product Disclosure Statement (PDF 1.66Mb) Financial Services Guide (PDF 86kb) Apply online now
BT Lifetime - Personal Super - Available through Westpac Financial Planners	A range of investment options (24 funds) Save on entry fee - You receive a 100% rebate when investing on your own	Suits those looking to make super contributions or rollover existing super Minimum investment $5,000 or $2,000 with regular Investment Plan of $100 or more per month	Product Disclosure Statement and apply Compare funds
Portfolio services - Available through Westpac Financial Planners BT Personal Portfolio Service Superannuation	Brings your superannuation funds together in one place for easier management Choose from a range of superannuation funds, provided by leading local and international fund managers	Suits those seeking to invest with a range of fund managers but want one point of contact Minimum investment $50,000	View and compare funds Historical performance Buy - Sell Differentials Indirect Cost Ratio (ICR)
BT Portfolio SuperWrap Essentials – Personal Super Plan - Available through advisers registered to distribute these products	Choose from 52 managed funds from 24 different investment managers Offers consolidated reporting across investments, 24 hour account access and a cash account to transact through	Suits those who want a flexible and tax effective superannuation plan which operates like a wrap account Minimum investment $5,000 or $2,000 with a regular contribution plan of $100 per month	Contact a Westpac Financial Planner

1. Contribution funds may also be referred to as 'Entry fee funds'.
2. Nil contribution funds may also be referred to as 'Nil entry fee funds'.

Fund performance

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General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our Australian Prudential Regulation Authority Registrable Superannuation Entity (RSE) Licence & Registration numbers.

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