SelectingSuper - BT Business Super

BT Business Super

Principal Contact:	BT Employer Relations	Telephone: Facsimile:	1300 553 010 02 9274 5402
Address:	BT Business Super GPO Box 2362 Adelaide SA 5001	Website: Email:	www.bt.com.au customer.relations@btfinancialgroup.com

Overview:

BT Business Super is designed to meet the needs of small to medium sized businesses and is suitable for funds with at least two permanent employees or total contributions of at least $2,500 per annum who seek to administer their super plan through BT Online Employer. The Fund is part of a complying superannuation fund that can be used to make employee SG contributions under Super Choice. BT Business Super offers employers a sophisticated technology system to transact and report contributions so employers can save time by using the online services. For employees, BT Business Super offers a quality selection of investment and insurance options. For more information on BT Business Super, speak to any Westpac Relationship Manager or Westpac Financial Planner.

Year of Establishment:

1992

Value of Funds:

$3.5 billion (as at June 2007)

Key Features:

Employer Clearing House Online (ECHO) is BT's online Clearing House solution for employers to maker Super Choice contributions to multiple funds
World-class administration and customer relations call centre
Choice of 34 Investment Options
Cost-effective insurance options
Extensive online functionality for both employers and employees
Policy Committee service for larger plans
Options for spouses to have accounts and life insurance
Flexible employer plan design
Online member education and workplace education for larger plans
Flexibility of a retained benefits section
Binding and non-binding death benefit nominations

Administrator:

BT Financial Group

Auditor:

PricewaterhouseCoopers

Custodians:

HSBC

Asset Consultant:

Watson Wyatt

Lawyer:

A panel of leading legal firms

INVESTMENT OPTIONS
Note: Further Investment Options are available within the fund
Westpac Dynamic Growth	Invests in a diversified portfolio of predominately growth assets.
Multi-manager Growth	Invests in a high mix of growth assets through a number of specialist investment managers.
MLC Growth	Invests in a number of asset classes and focuses on growth assets with a high exposure to shares.
Westpac Balanced Growth	Invests in a diversified portfolio of mainly growth assets.
BT Active Balanced	Invests in a diversified portfolio of Australian and International shares, property securities, fixed interest, listed property trusts and cash.
Multi-manager Balanced	Invests in a mix of growth assets with limited exposure to defensive assets through a number of specialist investment managers.
Colonial First State Diversified	Invests across most major asset sectors.
Westpac Moderate Growth	Invests mainly in interest bearing investments and a moderate holding of growth assets.
Multi-manager Conservative	Invest primarily in a high mix of defensive assets with limited exposure to growth assets through a number of specialist investment managers.
Multi-manager High Growth	Invests in a high mix of growth assets through a number of specialist investment managers.
Westpac Australian Shares	Invests either directly or indirectly through collective investments so that the underlying assets of the Investment Option consist of a selection of both industrial and resource shares.
BT Australian Sustainability Share	Invest in shares of Australian companies based on the assessment of a company's triple bottom line performance.
Colonial First State Australian Shares	Invests in a broad selection of Australian companies.
Westpac Australian Property Securities	Invests either directly or indirectly so that through collective investments so that the underlying assets of the Investment Option provide an exposure to various types of properties throughout Australia.
Westpac International Shares	Invests either directly or indirectly so that the underlying assets consist of shares in a range of leading international companies.
Westpac International Fixed Interest	Invests either directly or indirectly through collective investments so that the underlying assets of the Investment Option consist of investment in major international bond markets and may include derivatives to manage currency risk or to gain exposure to the international bond markets.

INVESTMENT PERFORMANCE	Performance to 30 June 2007 (%)
	1yr	3yr	5yr
Westpac Dynamic Growth	12.03%	12.52%	8.74%
Westpac Balanced Growth	10.63%	10.93%	7.98%
Westpac Moderate Growth	7.06%	7.16%	5.69%
BT Active Balanced	11.81%	12.76%	9.65%
Westpac Australian Shares	20.64%	21.67%	15.09%
BT Australian Sustainability Share	22.96%	20.76%	n/a
Westpac Australian Property Securities	20.16%	16.15%	14.29%
Westpac International Fixed Interest	2.68%	3.33%	3.78%
Colonial First State Diversified	11.49%	11.54%	7.47%
Colonial First State Australian Shares	18.49%	21.35%	14.58%
MLC Growth	14.49%	13.88%	10.07%
Multi-manager Growth	15.26%	13.13%	n/a
Multi-manager Balanced	13.10%	11.12%	n/a
Multi-manager Conservative	6.22%	6.13%	n/a
Multi-Manager High Growth	16.82%	14.17%	n/a

Insurance Available:	Death, Death/TPD, Salary Continuance.
Communications:	Employer reports, newsletters, membership booklets, insurance booklets, publications and monthly investment performance available on website. Members have access to an educational website and newsletters. Educational Seminars can be held for larger plans.
Employer Services:	A dedicated relationship manager and Policy Committee Service for larger Plans, online transacting and reporting, member education, ability to provide different benefits for different groups of employees.