An investment option that grows with your employees

BT's MySuper investment solution is based on a Lifestage approach which automatically adjusts the mix of growth and defensive assets throughout an employee’s working life. The automatic adjustments particularly benefit members who don’t take an active role in their super investment. This is because it works to maximise the growth potential of their contributions when they are young and reduces risk to their account balance as they approach retirement.

The right asset mix for their life stage

BT’s Lifestage approach pools members into age groups that represent the decade in which the member was born (ie. if you were born in 1966, you’ll be put into the 1960’s Lifestage option).

 

In the early stages of working life, members have a higher allocation to growth assets (such as shares and property) than defensive assets (such as cash and fixed interest). As members approach retirement, investment risk is managed by the reduction in the level of growth assets which decreases the volatility of the fund.

 

In general terms, growth assets typically reflect higher potential returns which inherently carry more risk through the effects of market volatility. Defensive assets may reflect more moderate returns with less volatility over time than growth assets.

 

BT’s Lifetime Super – Employer Plan MySuper investment solution is managed by Advance Asset Management, one of the largest and fastest growing multi-managers in the Australian market, who pioneered Lifestage Fund investing in the Australian market over seven years ago.

The right asset mix for their life stage

BT’s Lifestage approach pools members into age groups that represent the decade in which the member was born (ie. if you were born in 1966, you’ll be put into the 1960’s Lifestage option).

 

In the early stages of working life, members have a higher allocation to growth assets (such as shares and property) than defensive assets (such as cash and fixed interest). As members approach retirement, investment risk is managed by the reduction in the level of growth assets which decreases the volatility of the fund.

 

In general terms, growth assets typically reflect higher potential returns which inherently carry more risk through the effects of market volatility. Defensive assets may reflect more moderate returns with less volatility over time than growth assets.

 

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.  

 

The BT Business Super Plan is no longer available to new employers, only new employees on existing employer plans.

How old are you?

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

    Your employees in this group are probably thinking more about or are close to retirement.  The investment focus for these members is on maintaining the real value of their super balance.  The investment option features a diverse mix of assets, with the majority in defensive assets, and a modest allocation to growth assets.

     
    Asset Allocation according to Age as at January 2016
    Age

    Growth Assets

    Defensive Assets

    Join over 23,000 employers using BT Super

    BT Super is offered by BT Financial Group, the wealth management arm of The Westpac Group. We’re one of the largest administrators of super, retirement and investments in Australia.

    Speak to a BT Consultant

    If you have any questions about your super.

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

    For your employees in this group, retirement is approaching – the majority of which will finish their working life in the next five to nine years. The focus is on maintaining the value of the investment while still seeking a reasonable level of growth. The investment option features a relatively equal balance of growth assets and defensive assets, with an emphasis on delivering a return that will assist with further growth of a members’ balance, with the addition of an increasing bias towards defensive assets.

     
    Asset Allocation according to Age as at January 2016
    Age

    Growth Assets

    Defensive Assets

    Join over 23,000 employers using BT Super

    BT Super is offered by BT Financial Group, the wealth management arm of The Westpac Group. We’re one of the largest administrators of super, retirement and investments in Australia.

    Speak to a BT Consultant

    If you have any questions about your super.

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

    For your employees in this group, retirement is still in the distance but getting closer. The focus is on achieving a balance between the potential for growth and the level of risk. This investment option aims to provide moderate to high returns during this important 15 to 20 years before finishing their working life, through a combination of a higher allocation to capital growth assets and lesser to defensive assets.

     
    Asset Allocation according to Age as at January 2016
    Age

    Growth Assets

    Defensive Assets

    Join over 23,000 employers using BT Super

    BT Super is offered by BT Financial Group, the wealth management arm of The Westpac Group. We’re one of the largest administrators of super, retirement and investments in Australia.

    Speak to a BT Consultant

    If you have any questions about your super.

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

    For your employees in this group, their retirement savings are continuing to grow, and growth remains the main focus. There are many years until retirement to withstand rises and falls in the value of their investment due to market movements. This investment option aims to provide moderate to high returns over the medium to long term, largely through capital growth by investing in a mix of primarily growth assets and a smaller allocation to defensive assets.

     
    Asset Allocation according to Age as at January 2016
    Age

    Growth Assets

    Defensive Assets

    Join over 23,000 employers using BT Super

    BT Super is offered by BT Financial Group, the wealth management arm of The Westpac Group. We’re one of the largest administrators of super, retirement and investments in Australia.

    Speak to a BT Consultant

    If you have any questions about your super.

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

    Your employees in this group are in the early stages of their career and the balance of their super is still relatively low. The focus is on maximising growth through the compounding effect of seeking higher returns, and the benefit of the long period to retirement. This investment option aims to provide superior returns over the long term through capital growth, by investing in primarily equity and equity-like growth assets.

     
    Asset Allocation according to Age as at January 2016
    Age

    Growth Assets

    Defensive Assets

    Join over 23,000 employers using BT Super

    BT Super is offered by BT Financial Group, the wealth management arm of The Westpac Group. We’re one of the largest administrators of super, retirement and investments in Australia.

    Speak to a BT Consultant

    If you have any questions about your super.

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

    Your employees in this group are in the very early stages of their working life and savings have just commenced. The focus is on maximising growth through the compounding effect of seeking higher returns, and the benefit of the long period to retirement. This investment option aims to provide superior returns over the long term through capital growth, by investing mostly in growth assets.

     
    Asset Allocation according to Age as at January 2016
    Age

    Growth Assets

    Defensive Assets

    Join over 23,000 employers using BT Super

    BT Super is offered by BT Financial Group, the wealth management arm of The Westpac Group. We’re one of the largest administrators of super, retirement and investments in Australia.

    Speak to a BT Consultant

    If you have any questions about your super.

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

    Your employees in this group are likely to be in their first job, or looking to begin their first job, with little to no savings. The focus is on maximising growth through the compounding effect of seeking higher returns, and the benefit of the long period to retirement. This investment option aims to provide superior returns over the long term through capital growth, by investing mostly in growth assets.

     
    Asset Allocation according to Age as at January 2016
    Age

    Growth Assets

    Defensive Assets

    Join over 23,000 employers using BT Super

    BT Super is offered by BT Financial Group, the wealth management arm of The Westpac Group. We’re one of the largest administrators of super, retirement and investments in Australia.

    Speak to a BT Consultant

    If you have any questions about your super.