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BT Super for Life

Conveniently see and manage your super online with BT Super for Life

BT Super for Life is a low fee1 superannuation and retirement fund developed and managed by superannuation specialists, BT Financial Group (BT), and is available to you through St.George Bank. You can see and manage your super alongside your other accounts while doing your Internet Banking with St.George.

Having your banking and super on one screen now means that keeping up to date with fund performance, changing your investment options and making extra contributions from your everyday savings account is as simple as logging on.

Being able to take your super with you from job to job and into retirement means it's the only super fund you'll need for life.

Features include:

  • Your super details in front of you when you log on to Internet Banking
  • Low, transparent fees1
  • Easy online application
  • Easy to consolidate your super.
More info Apply now

Choose from three account types to suit your age, stage of life and personal financial objectives

  • BT Super for Life - Savings account
  • BT Super for Life - Retirement account
  • BT Super for Life - Transition to Retirement account

 

Access to your super via Internet Banking

  • Simple access to your super and St.George bank accounts with a single password
  • View your account balance online
  • Top-up your super from your savings at the click of a button2
  • Make easy withdrawals when you retire - set up regular withdrawals or make one-off withdrawals to your St.George bank account

Easily consolidate your super

  • If you have super in more than one fund, BT Super for Life can help you consolidate those funds with its convenient and quick online rollover service

Pre-approved life insurance cover paid tax-effectively from your BT Super for Life account

  • BT Super for Life’s pre-approved life insurance cover offers you tax effective cover with premiums paid directly from your BT Super for Life account so there is no change to your take-home pay3

Let BT manage your money for you

  • Your super is invested according to the decade of your birth and your investment mix changes as you get older. This is known as a lifestage fund
  • When you are younger, your fund will be more growth-oriented. Over time the fund will shift to a more conservative asset mix

Choose your own investment options

  • Specify an investment mix yourself by making a choice from the investment options BT offers, suited to your own investment style
  • Select from four different investment options - Growth, Moderate, Conservative and Super Cash

Low, transparent fees

  • 47% lower than the average retail personal super fund1
  • No switching, establishment, contribution, withdrawal or termination fees or commissions

Management fee

  • 0.99% p.a. and 0.00% p.a. for balances in Super Cash

 

Administration fee

  • $5 per month

Read FAQs

Apply online

  • If you are an existing St.George Internet Banking customer, you can logon to Internet Banking and apply online

Call us

  • Speak to one of our super specialists on 1300 653 553 Monday to Friday 8am - 6.30 pm (Sydney time)

Visit a branch

Requirements

  • It takes about 10 minutes to set up your account and you’ll need your Tax File Number

Important information

BT Funds Management Limited ABN 63 002 916 458 (BTFM), which is part of the Westpac Banking Corporation (Westpac) group of companies, is the trustee of BT Super for Life (Fund) and is the issuer of interests in the Fund. A Product Disclosure Statement (PDS) is available for the Fund and can be obtained here. Alternatively, it can be obtained by calling 1300 653 553 or visiting www.stgeorge.btsuperforlife.com.au. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in the Fund.
The financial services guides for BTFM and Westpac can be obtained by calling 1300 653 553 or by downloading them here.
This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs.

1 BT Super for Life's fees are 47% 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 30 November 2009. Fees are subject to change.
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

2 Superannuation is a long-term investment. Generally, contributions to a superannuation fund are preserved. The government has placed restrictions on when you can access your preserved benefits. In general, benefits will not be able to be paid until a member is age 65, or has permanently retired and is above his/her preservation age (i.e. 55 years up to 60 years depending on when the member was born).
The government has set caps on the amount of money you can add to superannuation each year on a concessionally taxed basis. Currently the cap is $25,000 per person pa for the 2009/10 financial year. If you are aged 50 or over, the annual cap is $50,000 until 30 June 2012.
In addition, the government has set a cap on the amount of money that you can add to superannuation each year on a non-concessionally taxed basis. The cap is $150,000 per person pa. Those under age 65 can ‘bring forward’ to years’ worth of personal contributions, allowing them to contribute up to $450,000 per person over a three year period. For more detail, you should speak with a financial adviser or visit the Australian Taxation Office website.

3The 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.