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Tools and Calculators

Investments and Super

Take control of your future to ensure you are comfortable now and in retirement. Choose an investment strategy that works for you.

Featured accounts

  • BT Super for Life

    With BT Super for Life, you can have your money invested in one of the top-performing funds in the market #

    • Super made super easy - manage your super together with your Internet Banking.
    • Award winning management - Money magazine Best Fund Manager for the last three years.
    • Open a BT Super for Life account before 30 November 2014 and receive a $50 voucher.
    • Pre-approved life insurance cover with no forms or medicals to complete~
  • Share trading with directshares

    Trade through the bank you trust

    • Value for money - open a directshares account before 30 November 2014 and we'll give you your first 10 trades free to get you going with a head start
    • Support - we have a dedicated Australia-based call centre to answer all your questions and support you
    • Investment tools - extensive range of investment tools, including independent research and timely stock tips
    • Help and guidance - free, detailed ‘how to trade’ guidance on our Investor website.

Our products

Important Information

BT Funds Management Limited (ABN 63 002 916 458) is the trustee of BT Super for Life which is a part of Retirement Wrap (ABN 39 827 542 991) and is the issuer of interests in BT Super for Life. You can download a Product Disclosure Statement (PDS) ,or obtain a copy by calling 1300 653 553 or visit any St.George branch. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super for Life.

An investment in BT Super for Life is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141, St.George Bank or BankSA (which are Divisions of Westpac), 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. Neither Westpac nor any other company in the Westpac Group has issued, stands behind or otherwise guarantees the capital value or investment performance of BT Super for Life.

* The $19.95 brokerage rate will apply for the 1st online trade up to $5,000 and each subsequent online trade up to or equal to $18,000 for that calendar month. For full details, visit rates and fees.

^ Conditions Apply. See below for details:

BT Super for Life: To be eligible for the $50 retail voucher offer, you need to open a BT Super for Life account online between 15 September 2014 and 30 November 2014. Only one $50 retail voucher for each eligible customer is available in the offer. Existing BT Super for Life members are not eligible for the offer. Terms and conditions apply to the validity of the retail Voucher, according to that retailer. It can take up to eight weeks for you to receive your voucher. You should consider whether or not BT Super for Life is appropriate for you.

1. Offer applies to new directshares customers who open a directshares account via the ‘Apply now' button on this page between 23rd October 2012 to 30 November 2014.

2. Offer only open to residents of Australia and New Zealand.

3. Offer is not available to employees of the Westpac Group or ETRADE Australia Securities Limited or their immediate families.

4. Offer is not valid in conjunction with any other offer.

5. Free brokerage is up to the value of $500 (incl. GST) (the "Offer Value"). The first $50 (including GST) of brokerage on each contract note will be waived, for your first 10 online share or ETF trades made within 30 days of your account being opened, up to a total value of $500 (including GST). Where your trade value is over $45,454, the first $50 brokerage (including GST) will be waived; you will have to pay the additional brokerage at directshares' standard rates.

6. The offer only applies to ASX-listed equities conducted online through the directshares service, but excludes options, warrants and managed funds.

7. The directshares SharePack is not included in the offer.

8. The offer does not apply to trades that will settle through a margin loan account.

9. The offer does not apply upon failure to settle any trade.

10. We reserve the right to terminate this offer at any time.

11. We reserve the right to amend these terms and conditions at any time.

This information has been prepared without taking into account your objectives, financial situation and needs. Because of this, you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs.

The © directshares service is provided by ETRADE Australia Securities Limited ("E*TRADE Australia") ABN 93 078 174 973 AFSL No. 238277, at the request of St George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 ("St.George"). Execution, settlement and clearing is undertaken through E*TRADE Australia. St George does not represent E*TRADE Australia. Similarly E*TRADE Australia does not represent St George. The information and any advice [on/in] this [website/material/document] has been prepared without taking account of your objectives, financial situation or needs. Before acting upon any advice, you should therefore consider whether it is appropriate to you.

More on award winning performance

+ Advance Asset Management manages the BT Super for Life Lifestage funds and is Money magazine's Best Fund Manager for 2012 and 2013. 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.

# 1950/1970 Lifestage funds: SuperRatings Fund Crediting Rate Survey, June 2013, p8. 1960's Lifestage fund: Chant West Media Release 22 July 2013.

More on Life Insurance

~ An exclusion applies for any claim related to a pre-existing medical condition you have when you open your BT Super for Life account.