Tailor your BT investments and insurance

BT MySuper features Lifestage investments and Standard insurance cover. Within BT Super, we also offer you a choice of other investment options and the ability to tailor your insurance cover to suit your needs.

MySuper investment fund

As a BT MySuper member, you can relax knowing you have the financial security of a super fund that will grow with you through to retirement. BT’s MySuper uses a Lifestage investment approach, whether you’re on the BT Lifetime Super – Employer Plan or whether you’re with BT Business Super. Our Lifestage investment approach works by automatically adjusting the mix of growth and defensive asset as you approach retirement.

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Standard insurance cover

Our Standard insurance cover in BT Lifetime Super – Employer Plan and BT Business Super provides you with up to $300,000 of Death and Total and Permanent Disablement (TPD) cover. This is the minimum insurance cover (high-risk occupations may only be eligible for Death Only cover). You can opt to increase your cover or replace the cover. To learn more about your insurance cover and how you can increase or tailor your cover to suit your circumstances, please refer to the Insurance booklet of your BT Super Product Disclosure Statement (PDS). 

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Tailor your investment

BT Lifetime Super – Employer Plan

As a member of the BT Lifetime Super – Employer Plan, you may be invested in the BT MySuper Lifestage investment option or you can take an active role and select from over 40 investment options. These include investment options offering exposure to different asset classes and different levels of investment risk. The funds are managed by a number of different managers including Advance Asset Management and BT Investment Management. Each investment choice carries an additional investment management fee.


Learn more about the fund options in the plan’s Product Disclosure Statement (PDS) – Additional Information Booklet Part 2.

 

BT Business Super

As a member of the BT Business Super Plan, you may be invested in the BT MySuper Lifestage Investment option or you can take an active role in selecting your investments by choosing another investment mix from a range of other funds offering exposure to different asset classes and levels of investment risk. The BT Business Super is managed by BT Investment Management (BTIM). Each investment choice carries an additional investment management fee.


Learn more about the fund options in the plan’s Product Disclosure Statement (PDS) – Additional Information Booklet Part 2.

Tailor your insurance

As a member of either BT Lifetime Super – Employer Plan or BT Business Super, you’re provided with Standard Insurance cover which you can tailor through a number of optional upgrades. For example, you may wish to increase the cover levels on Death Only cover; Death and Total and Permanent Disablement (TPD) cover; and/or Salary Continuance cover (SCI). The details of your insurance cover are provided in the Welcome Kit new members receive.  To find out more, please read the insurance booklet in the Product Disclosure Statement (PDS).

 

See the insurance options for BT Lifetime Super – Employer Plan.

See the insurance options for BT Business Super.

How to switch your investment options

While the BT MySuper Lifestage investment option is the default investment option for BT Lifetime Super – Employer Plan and BT Business Super, you can change your investment option(s) at any time, by logging in to BT Online, using your username and password at bt.com.au or by completing and sending us an Investment Choice/Switch Request form.

Download the form

How to increase or change your insurance

You can apply for increased or additional types of insurance cover by completing a Life Insurance Application form, or by contacting BT Customer Relations on 132 135. Increased insurance cover is subject to approval by BT’s Insurer.

Download the form