Benefits of investing in the BT Lifetime Super Employer Plan products

BT Lifetime Super - Employer Plan aims to give you the choice and flexibility to make the most of your super - as well as other benefits you can enjoy today.

BT Lifetime Super - Employer Plan is a superannuation plan set up by employers for their employees. As a member, you could benefit from reduced administration costs and insurance premiums along with other benefits you can enjoy.

Features & benefits

• Ability to choose from over 30 investment options, including BT MySuper Lifestage investment options to suit your individual financial situation, goals and preference for risk

• Monitor your account at any time with BT Online

• Access great deals and discounts on everyday items with Benefits Now

• Flexible insurance options to suit your individual circumstances

Risk level

High

About BT MySuper Lifestage Investment Options

Whether you've just begun to save for retirement or already left the workforce, a Lifestage Investment Option can give you an efficient, well-diversified portfolio, designed and managed according to your age.

Your BT MySuper Lifestage Investment Options are made using the multi-manager' concept, packaging high quality investment managers from around the world into a single investment option.

How does your Lifestage Investment Option change with you?

Your investment needs are likely to change as you get older. Your Lifestage Investment Option aims to achieve an appropriate level of risk and return by automatically adjusting the mix of assets throughout your life.

When you're younger and have more time to withstand rises and falls in the value of your investment, your Lifestage Investment Option will be more growth oriented to target a higher return. Over time the fund will gradually shift to a more conservative asset mix by reducing its allocation of growth assets - such as shares and property - and increasing its allocation of defensive assets - such as fixed interest and cash.

For example, if you were born in 1973 you will be invested in the 1970's Lifestage Investment Option. There's a different Lifestage Investment Option for each decade, designed to suit investors born within that decade, whose investment needs and approach to risk over time is typical of investors around the same age.

How we invest your money

The strategic asset allocation is the mix of growth and defensive assets set with the aim of achieving the investment return objective. We may change the strategic asset allocation to suit market conditions but will stay within the minimum and maximum range shown in the Additional Information Booklet Part 2 - Investment. The investment objective, asset allocation and ranges in your Lifestage Investment Option change as you get older and your investment option becomes more conservative.

The following table shows the strategic asset allocation for this Lifestage Investment Option as at 1 July 2017.

• Equity - Australian (listed): 37%

• Equity - International (listed): 39%

• Property - Australian (listed): 2%

• Property - International (listed): 7%

• Property - Australian (unlisted): 1%

• Property - International (unlisted): 2%

• Commodities - International (listed): 2%

• Other - Growth Alternatives: 0%

• Other - Defensive Alternatives: 5%

• Fixed income - Australian: 1%

• Fixed income - International: 1%

• Cash - Australian: 3%

Total growth assets: 90%

Total defensive assets: 10%