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Compare superannuation products

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Comparison table of superannuation products
 ProductWho is it for?FeaturesHow to apply 
BT Super for LifeSuits those who are  working, near retirement or who have retired
  • See and manage your super through Westpac Online
  • Low fees - 46% cheaper than a typical retail fund 1
  • Easy investment choices – choose your investment options yourself or let us do it for you, based on your age
  • Turn credit card points into super
  • Easy online application –  have your TFN ready and sign up in as little as 10 minutes
  • No minimum investment
  • Additional investments possible  
Apply online
BT Lifetime Personal SuperSuits those looking to make super contributions or rollover existing super
  • A range of investment options (24 funds)
  • Save on entry fees – you’ll receive a 100% rebate when investing on your own
  • $5,000 or $2,000 (with a monthly deposit plan of $100) minimum investment
  • Additional investments possible  
Westpac Financial Planner 2
BT Portfolio SuperWrap Essentials Personal Super PlanSuits those who want a flexible and tax effective superannuation plan which operates like a wrap account
  • Choose from 52 managed funds from 24 different investment managers
  • Offers consolidated reporting across investments
  • 24 hour account access 
  • A cash account to transact through
  • $5,000 or $2,000 (with a monthly deposit plan of $100) minimum investment
Westpac Financial Planner 2
BT Portfolio SuperWrap Personal Super PlanSuits those wanting more choice and greater control over their investments.
  • A huge range of investment options (450 managed funds)
  • Access to a selection of ASX-listed, CHESS sponsored securities
  • Access to Term Life, Total and Permanent Disability (TPD) and Income Protection insurance
  • Consolidated reporting makes it easier to manage your investments and tax
  • 24 hour access to your account information 
  • Flexibility to switch your investments between managed funds
  • Integration with your cash account, making it easier to manage your money
  • $50,000 (in superannuation products) minimum investment
Westpac Financial Planner 2
Things you should know
  • 1. Source: SuperRatings Pty Ltd. BT Super for Life fees are 48% lower than the average fees according to Product Disclosure Statements (PDS) on an account balance of $50,000 with an annual contribution of $5,000. This comparison is based on a default investment option or multi-manager balanced growth investment option of each fund. The funds are representative of the retail personal super funds sector as at 17 June 2009. Fees are subject to change.
  • 2.Westpac Financial Planners are representatives of Westpac Banking Corporation, AFSL No 233714.
  • BT Funds Management Limited (ABN 63 002 916 458) is the trustee of BT Super for Life (ABN 53 398 474 034) and is the issuer of interests in BT Super for Life. AProduct Disclosure Statement (PDF 1.32mb) is available for BT Super for Life and can be downloaded or obtained by calling 1300 653 553 or visiting www.btsuperforlife.com.au. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super for Life. 
  • BT Funds Management Limited (ABN 63 002 916 458) is the trustee of BT Lifetime Personal Super fund and is the issuer of interests in BT Lifetime Personal Super fund. AProduct Disclosure Statement (PDF 1.56mb) is available for BT Lifetime Personal Super and can be downloaded or obtained by calling 131 817 or visiting www.bt.com.au. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Lifetime Personal Super. 
  • BT Portfolio Services Limited ABN 73 095 055 208 (BTPS) administers BT Portfolio SuperWrap (SuperWrap). Trust Company Superannuation Services Limited ABN 49 006 421 638 is the trustee and issuer of SuperWrap. BTPS'sFinancial Services Guide (PDF 138kb) can be downloaded or obtained by contacting your adviser, calling BTPS on 1300 657 010 or visiting www.bt.com.au. AProduct Disclosure Statement (PDF 1.71mb) for SuperWrap can be downloaded or obtained from your financial adviser. You should read the PDS before making a decision whether to acquire or to continue to hold the Wrap Products. Apart from any interest investors may have in underlying bank accounts held at Westpac Banking Corporation ABN 33 007 457 141 (the Bank) through a SuperWrap Cash Account or in Westpac securities acquired through SuperWrap, an investment in or acquired through SuperWrap is not an investment in, deposit with or any other liability on 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 SuperWrap. Neither the Bank nor any other company in the Westpac Group stands behind or otherwise guarantees the capital value or investment performance of any investments in, or acquired through, SuperWrap.
  • An investment in any of these products 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. Investments are 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 these products. Neither the Bank nor any other company in the Westpac Group stands behind or otherwise guarantees the capital value or investment performance of these products.
  • This information may contain material provided directly by third parties. While such material is published with necessary permission, neither Westpac Banking Corporation nor any related entity accepts responsibility for the accuracy or completeness of, or endorses any such material. Except where contrary to law, Westpac Banking Corporation and its related entities intend by this notice to exclude liability for this material.
  • The taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and their interpretation. Your individual situation may differ and you should seek independent professional tax advice on any taxation matters.