An investment fund that grows with you

BT’s MySuper investment option is based on Lifestage investing.  Our Lifestage investment approach works by automatically adjusting the mix of growth and defensive assets throughout the member’s working life. Automatic adjustments mean that you don’t need to worry about whether the investment mix will still be right for you in the future.  As retirement approaches, our fund managers place greater focus on preserving your accumulated super balance.

The right asset mix for their life stage

Generally, growth assets such as property provide high investment returns over the long term but they inherently carry more risk through the volatility of returns in the short term. Defensive assets such as fixed income provide more moderate returns over the long term but less volatility in the short term.

 

Members are invested in Lifestage options according to the decade in which they were born. In the early stages of working life when a member has a long investment time-frame, the Lifestage option has a higher allocation to growth assets. As a member approaches retirement, investment risk is managed by reducing the proportion of growth assets, in order to better preserve the member’s account balance in preparation for retirement.

 

BT’s Lifetime Super – Employer Plan MySuper investment solution is managed by Advance Asset Management, winner of Money Magazine's Best Fund Manager for 2012 and 2013, who pioneered Lifestage Fund investing in the Australian market over six years ago.

The right asset mix for their life stage

Generally, growth assets such as property provide high investment returns over the long term but they inherently carry more risk through the volatility of returns in the short term. Defensive assets such as fixed income provide more moderate returns over the long term but less volatility in the short term.

 

Members are invested in Lifestage options according to the decade in which they were born.  In the early stages of working life when a member has a long investment time-frame, the Lifestage option has a higher allocation to growth assets. As a member approaches retirement, investment risk is managed by reducing the proportion of growth assets, in order to better preserve the member’s account balance in preparation for retirement.

 

BT’s Business Super MySuper investment solution is managed by leading fund manager, BT Investment Management, winner of Money Magazine's Best Fund Manager for 2014.

How old are you?

  • Growth Assets
  • 1940s
  • 1950s
  • 1960s
  • 1970s
  • 1980s
  • 1990s
  • 2000s
  • 1940s
    A closer look at the
    1940s investment option

    If you were born in the 1940s, you’ll be placed in the 1940s fund.  You are probably thinking about or are close to finishing your working life and therefore your investment focus is on maintaining and protecting the real value of your superannuation balance. The 1940s fund features a diverse mix of assets, with the majority in defensive assets (a mix of cash and fixed income) and a modest allocation to growth assets such as shares and property.

     
    Asset Allocation according to Age
    Age

    Growth Assets

    Defensive Assets

    Speak to a BT Consultant

    If you have any questions about your super.

    Speak to a BT Consultant

    If you have any questions about your super.

  • 1950s
    A closer look at the
    1950s investment option

    If you were born in the 1950s, you’ll be placed in the 1950s fund.  Retirement is possibly approaching for you in the next five to nine years and therefore your focus is on protecting the value of your investment while still seeking a reasonable level of growth. The 1950s fund features a relatively equal balance of growth and defensive assets, with an emphasis on delivering a return that will assist to further grow your balance, with the addition of adjusting your allocation increasingly towards protective (defensive) assets.

     
    Asset Allocation according to Age
    Age

    Growth Assets

    Defensive Assets

    Speak to a BT Consultant

    If you have any questions about your super.

    Speak to a BT Consultant

    If you have any questions about your super.

  • 1960s
    A closer look at the
    1960s investment option

    If you were born in the 1960s, you’ll be placed in the 1960s fund.  Retirement is still in the distance for you but getting closer and therefore your focus is on achieving a balance between the potential for growth and the level of risk. The 1960s fund aims to provide moderate to high returns during these important 15 to 20 years before retirement, by combining a higher allocation of capital growth assets and a lower allocation of defensive assets.

     
    Asset Allocation according to Age
    Age

    Growth Assets

    Defensive Assets

    Speak to a BT Consultant

    If you have any questions about your super.

    Speak to a BT Consultant

    If you have any questions about your super.

  • 1970s
    A closer look at the
    1970s investment option

    If you were born in the 1970s, you’ll be placed in the 1970s fund.  Your savings are continuing to grow, and growth remains your main focus. There are many years until retirement to withstand rises and falls in the value of your investment due to market movements. This fund aims to provide moderate to high returns over the medium to long term, largely through capital growth by investing primarily in growth assets and maintaining a smaller allocation to defensive assets.

     
    Asset Allocation according to Age
    Age

    Growth Assets

    Defensive Assets

    Speak to a BT Consultant

    If you have any questions about your super.

    Speak to a BT Consultant

    If you have any questions about your super.

  • 1980s
    A closer look at the
    1980s investment option

    If you were born in the 1980s, you’ll be placed in the 1980s fund.  You’re in the early stages of your career and the balance of your super is still relatively low. Therefore, your focus is on boosting growth through the compounding effect of high returns, and the benefit of the long period to retirement. The 1980s fund aims to provide higher returns over the long term through capital growth by investing primarily in equity and equity-like growth assets.

     
    Asset Allocation according to Age
    Age

    Growth Assets

    Defensive Assets

    Speak to a BT Consultant

    If you have any questions about your super.

    Speak to a BT Consultant

    If you have any questions about your super.

  • 1990s
    A closer look at the
    1990s investment option

    If you were born in the 1990s, you’ll be placed in the 1990s fund.  You’re in the very early stages of your working life and your savings have just commenced. Therefore, your focus is on boosting growth through the compounding effect of high returns, and the benefit of the long period to retirement. This fund aims to provide higher returns over the long term through capital growth by investing in growth assets, such as shares and property.

     
    Asset Allocation according to Age
    Age

    Growth Assets

    Defensive Assets

    Speak to a BT Consultant

    If you have any questions about your super.

    Speak to a BT Consultant

    If you have any questions about your super.

  • 2000s
    A closer look at the
    2000s investment option

    If you were born during the decade beginning in 2000, you’ll be placed in the 2000s fund.  You might be in your first job, or looking to begin your first job, with little to no savings. Your focus is on boosting growth through the compounding effect of high returns, and the benefit of the long period to retirement. This fund aims to provide higher returns over the long term through capital growth, by investing in growth assets, such as shares and property.

     
    Asset Allocation according to Age
    Age

    Growth Assets

    Defensive Assets

    Speak to a BT Consultant

    If you have any questions about your super.

    Speak to a BT Consultant

    If you have any questions about your super.