Provide income and growth through a more balanced mix of asset classes

To provide a return (before fees and taxes) 
that exceeds the return from its benchmark 
when measured over the recommended 
investment timeframe

Benefits of investing in the BT Classic Investment Funds - BT Balanced Returns Fund

Investment choice

You can choose from approximately 40 Investment Options. That means you can select from a number of different investment managers across different asset classes.

Flexibility

Your investment strategy and needs may also change from time to time, so it's important that your investment offers flexibility too. BT Investment Funds gives you the ability to quickly change your investment strategy by switching between different Investment Options as needed.

Services to make investing easier

You can check your balance, switch Investment Options and find out more about investing through our website (BT Online).

Features such as distribution reinvestment, our Regular Investment Plan and Flexi Payment Plan all make it easier for you to manage your money in a way that suits your financial situation, goals and needs.

Email or phone our BT Customer Relations team to get the answers to your questions.

Risk category

Moderate

Investor suitability

The Investment Option is designed for investors who want the potential for long-term capital growth and income.

About the Fund

The Investment Option invests in a diversified portfolio of Australian and international shares, Australian and international fixed interest, Australian and international property securities, alternative investments and cash. The Investment Option may also use derivatives.

Investment objective

To provide a return (before fees and taxes) that exceeds the return from its benchmark when measured over the recommended investment timeframe.

Investment manager's currency strategy for non-Australian investment options

The international fixed interest, international property and international alternative investment exposures are fully hedged to the $A to the extent considered reasonably practicable. Generally, the investment option's international share exposure will not be hedged to the $A.

About BT Financial Group

BT Financial Group (BT) is the wealth management arm of the Westpac Group. BT has been helping Australians create, manage and protect their wealth since 1969. Today, it is one of Australia's leading providers of superannuation, investment and insurance products.

In both Australia and New Zealand, BT provides a diverse range of investment choices, including funds managed by BT's own team and through alliances with global investment managers.

How we invest your money

The BT Investment Management Investment Options are managed by BT Investment Management (Institutional) Limited (BTIM) and by a number of external managers with complementary capabilities.

BTIM offers investors a range of investment choices including Australian shares and property securities, fixed income and cash, absolute return investments, international shares and property securities. To complement its in-house expertise, BTIM also partners with leading global and domestic investment managers.

Asset allocation

(Asset class: Neutral position (NP) / Allocation range)

• Cash: 4% / 0%-20%

• Fixed income - Australian: 16% / 5%-32%

• Fixed income - International: 12% / 0%-20%

• Other - Growth alternatives: 0%  Defensive alternatives: 14% / 0%-20%

• Commodities - International listed: 0% / 0%

• Equity - Australian listed: 27% / 23%-43%

• Equity - International listed: 21% / 10%-30%

• Property - Australian listed: 5%  International listed: 1% / 0%-10%