1. No category

How to read your annual statement
INVESTMENT SUMMARY
Balance at 30 June 2013 *
Investments
$X.XX
Total Investments
$X.XX
M
$X.XX
Member contributions
INVESTMENT PROFILE DETAILS
$X.XX
(O)
Insurance Premiums~~
$X.XX
Insurance Plan fees~~
$X.XX
Advice Fee
$X.XX
Fee rebate##
$X.XX
Total Deductions
Net Earnings
(I)
$X.XX
(D)
(N)
(C)
X.XX%
Net Earnings
N= C
(closing balance)
+ D
(deductions)
- I
(investments)
- O
(opening balance)
= the amount you have earned on your investment during the year
* Your withdrawal benefit as at 30 June 2013 was $X.XX This is your opening balance less outstanding
contributions tax on employer contributions and confirmed member deductible contributions (after taking into
account the benefit of any tax deduction for insurance premiums) of $X.XX, payable on withdrawal at this date.
The benefit of any tax deduction for insurance premiums which will be passed back to you is limited to the amount
of contributions tax payable from your account.
~~
##
Investment Value
= Withdrawal Price
BT Superannuation Savings Fund
$X.XX
$X.XX
Investment Profile
BT Superannuation Savings Fund
Investment Value
$X.XX
x
Units
$X.XX
= Withdrawal Price
$X.XX
x
Units
$X.XX
$X.XX
RETURNS AS AT 30 June 2014
$X.XX
Net Earnings Rate^
Investment Profile
$X.XX
$X.XX
Balance at 30 June 2014**
30 Jun 2013
30 Jun 2014
Taxes and Charges
SA
Deductions
Employer contributions
^This figure represents the total return on your investment during the statement period. It takes into account the
performance of your Investment Option(s), your transactions such as applications and/or withdrawals and the time that
your money has been invested.
M
PL
E
Investor Number:
C12345678
Superannuation Product
Identification Number:
WFS0402AU
132 135
BT Customer Relations
(02) 9274 5780
Fax
www.bt.com.au
Internet
SA
Mrs A Sample
1 Sample Street
Sample Town NSW 2000
We have applied notional taxes and withdrawal fees (where applicable) to your account balances to calculate these
withdrawal benefits. These are the amounts that would have been applied to your investment if you had withdrawn your
investment on the date shown. These amounts have not been deducted from your investment. The amounts on
which these withdrawals are based might change. Therefore, before withdrawing your benefit from the Plan/Fund, you
should contact your adviser or the BT Customer Relations on 132 135 to get your current withdrawal benefit.
E
BT Lifetime - Personal Super
INVESTMENT SUMMARY (continued)
** Your withdrawal benefit as at 30 June 2014 was $X.XX This is your closing balance less outstanding contributions
tax on employer and confirmed member deductible contributions (after taking into account the benefit of any tax deduction
for insurance premiums) of $X.XX, payable on withdrawal at this date. The benefit of any tax deduction for insurance
premiums which will be passed back to you is limited to the amount of contributions tax payable from your account.
PL
ANNUAL STATEMENT
% Returns p.a.
Investment Profile/
Portfolio Name
1 Year
3 Year
5 Year
10 Year Since Start Start Date
Date
BT Superannuation Savings Fund
X.XX
X.XX
X.XX
N/A
X.XX
January 1981
Returns are shown for the investment options you were invested in at the end of the reporting period. These may not be the
actual returns you have experienced in your chosen investment option(s) over the period of your membership. The reason
why the returns shown may be different from your personal experience could be due to when you started investing in the
option and the timings of transactions in and out of the investment option before or after the 1, 3, 5 or 10 year period, or
because you have split your superannuation across more than one investment option.
Performance figures ‘Since Start Date’ are calculated from the date the investment option received its initial investment
amount (for example, from a member’s contribution or switch) which may not be the first day the investment option was
available to investors (Start Date).
The value of your investments can go up and down. Past performance is not necessarily indicative of future performance.
A super fund’s investment performance typically varies over time. Because super is a long-term investment, 5 and 10-year
performance figures smooth out short-term results. For example, in a given fund over a 5-year period, a growth option might
have a negative return for 1 year but a positive return for the other 4 years, giving an overall result that is positive for the 5 years.
Your insurance fees are made up of insurance premiums and insurance plan fees, where applicable.
The fee rebate represents the refund of ongoing commission amounts included in the management
costs of your investment options.
page 1 of 10
more details over the page
Trustee – Westpac Securities Administration Limited (ABN 77 00 049 472, AFSL 233731)
Product – BT Superannuation Savings Fund (ABN 83 835 373 437)
GPO Box 2675 Sydney NSW 2001
page 2 of 10
more details over the page
C12345678
Trustee – Westpac Securities Administration Limited (ABN 77 00 049 472, AFSL 233731)
Product – BT Superannuation Savings Fund (ABN 83 835 373 437)
GPO Box 2675 Sydney NSW 2001
Important: This is a sample of an annual statement. Please note that your own statement content may vary slightly
from this sample depending on your investment options, transaction history and the product features available.
States your current name and address.
You will need to inform us if these details
change, to find out how visit our website
www.bt.com.au/update.
States your account details; your
investor number and the superannuation
product identification number.
Provides our contact details to
let you know where you can access
more information if needed.
This is a snapshot of your account
as at 30 June 2014. Shows the closing
balance of your previous statement,
what money has been added to and/or
deducted from your account, and what
the total value of your investment is at
30 June 2014, so you can see at a
glance exactly how your investment has
performed over the financial year.
Shows your employer contributions
including both Super Guarantee and
your voluntary Salary Sacrifice
contributions, and member
contributions. To understand the types
of contributions added to your account
(such as member contributions), visit
http://www.bt.com.au/super/learn/
the-basics.asp.
Shows the total deductions from your
account during the period (Financial year
ended 30 June 2014).
This is your individual rate of return on
your investment for the period (Financial
year ended 30 June 2014).
This is a summary of your investment
options as at 30 June. Shows you a
snapshot of your investment options
including investment value, withdrawal
price and units for 2013 and 2014.
Shows the long term performance
of the investment options that you are
invested in as at 30 June 2014.
Page 1 of 4
How to read your annual statement (continued)
Details your super benefit(s) split into
different preservation components.
Some, or all, of your super benefit may
be ‘preserved’ and cannot be accessed
straight away. To understand when
you can access your super, visit
http://www.bt.com.au/super/learn/
the-basics.asp.
INSURANCE DETAILS
ANNUAL STATEMENT
BT Superannuation Savings Fund
30 June 2014
Withdrawal benefit
Sum insured
Total benefits payable on death
$X.XX
$X.XX
$X.XX
Member Details
BENEFIT DETAILS
Benefit Split
Preserved
M
30 Jun 2014
$X.XX
Able to be cashed out
Generally on retirement on or after
reaching your preservation age
SA
$X.XX
Withdrawal Benefit
Any withdrawal fees or outstanding contributions tax payable in the event of a withdrawal are deducted firstly
from preserved benefits, then restricted non-preserved benefits, and finally from unrestricted non-preserved
benefits that are withdrawn.
Female
Smoker:
No
Cover Amount
Death Cover
$X.XX
Total and Permanent Disablement (TPD) Cover
$X.XX
Monthly Premium
$X.XX
E
Cover Type
PL
N/A = not applicable, investment option has not been in the Plan for this period.
Sex:
White collar
Please note your right to receive benefits under the insurance policy is dependent upon you meeting the conditions of
the policy and the insurer paying the benefits. A condition of release must then be met to have the benefits paid from
superannuation.
In order to maintain your insurance cover, you must ensure that you keep sufficient funds in your account above the
minimum balance for your BT super.
The benefits advised reflect your situation as at 30 June 2014 and may change.
M
RETURNS AS AT 30 June 2014 (continued)
26 October 1966
Collar Rating:
Nominated Beneficiaries
BOB SAMPLE
Nomination Type
Expiry Date
Updating your Nomination
100%
Binding
01/12/2015
You may confirm, amend or revoke your nomination by completing a
Nomination of Beneficiaries form, available at www.bt.com.au.
Confirming your nomination will extend it for a further 3 years from
the date the nomination is signed.
TRANSACTION DETAILS
Date
8 Jul 2013
19 Jul 2013
page 3 of 10
more details over the page
Trustee – Westpac Securities Administration Limited (ABN 77 00 049 472, AFSL 233731)
Product – BT Superannuation Savings Fund (ABN 83 835 373 437)
GPO Box 2675 Sydney NSW 2001
page 4 of 10
Transaction Type
Employer contribution from XYZ
COMPANY
Amount invested
Member contribution from
A SAMPLE
Investment Profile
Amount
$X.XX
BT Superannuation
Savings Fund
$X.XX
Shows your insurance details. Your
Withdrawal benefit (i.e. Super benefit)
plus the Sum Insured equals the total
death benefit that is payable to your
dependants or Estate.
States your insurance member details;
date of birth, occupation collar rating,
gender and smoker category.
States the type of cover you are insured
for and how much you are insured for
under each type of cover.
BENEFICIARY DETAILS
SA
C12345678
PL
E
Investor Number:
Date of Birth:
Unit Price *
Units
$X.XX
$X.XX
$X.XX
Details of the beneficiary/person you
have nominated to receive your super
balance and insurance (if applicable)
in the event of your death.
You can make a beneficiary nomination
that is binding on the trustee so you
have peace of mind as to who will
receive your death benefit. You can
find a ‘Nomination of beneficiaries’
form online at www.bt.com.au.
Lists all of the transactions for your
account during the statement period.
Transaction details include the date
of transaction, relevant investment
option, the dollar and the unit amount.
more details over the page
C12345678
Trustee – Westpac Securities Administration Limited (ABN 77 00 049 472, AFSL 233731)
Product – BT Superannuation Savings Fund (ABN 83 835 373 437)
GPO Box 2675 Sydney NSW 2001
Important: This is a sample of an annual statement. Please note that your own statement content may vary slightly
from this sample depending on your investment options, transaction history and the product features available.
Page 2 of 4
How to read your annual statement (continued)
Lists all of the transactions for your
account during the statement period.
Transaction details include the date
of transaction, relevant investment
option, the dollar and the unit amount.
ANNUAL STATEMENT
BT Superannuation Savings Fund
TAX FILE NUMBER
We have noted your Tax File Number on our records.
Investment Profile
Amount
$X.XX
Unit Price *
Units
BT Superannuation
Savings Fund
$X.XX
$X.XX
X.XX
M
Transaction Type
Member contribution from XYZ
COMPANY
Amount invested
SA
Sum of fees included above
(including any insurance plan fees~~)
Insurance premiums~~
Indirect costs of your investment^^
Total fees you paid##
$X.XX
$X.XX
$X.XX
$X.XX
* Please note that all investments reflect the contribution price and withdrawals reflect the withdrawal price.
^^ This approximate amount has been deducted from your investment and includes amounts that have reduced the return
on your investment but are not charged to you as a fee. The fees are based on the latest available prices in respect of the
reporting period from 01 Jul 2013 to 30 Jun 2014.
##
This approximate amount includes all the fees and costs which affected your investment during the period.
~~
Your insurance fees are made up of insurance premiums and insurance plan fees, where applicable.
E
We are obliged to provide you with any information you may reasonably require to understand your benefits in the
Plan/Fund. We consider that this statement gives you all the information you need to understand the value and nature of
your benefits in the Plan/Fund during the period of the statement. However if you would like more information, including
information on this statement, other investment strategies, contribution levels and insurance coverage or any other
information that may assist you to understand your benefit entitlements please contact your adviser, visit www.bt.com.au or
call us on on 132 135.
PL
TRANSACTION DETAILS (continued)
Date
22 Jun 2014
FURTHER INFORMATION
If you have a concern or complaint we have a dispute resolution mechanism. If you wish to access this mechanism or
require further details, please call us on on 132 135. Where possible, investor concerns received over the telephone are
resolved at that time. If your concerns cannot be resolved in this way, please refer the matter in writing to:
The Complaints Officer
BT
GPO Box 2675
Sydney NSW 2001
M
C12345678
SA
PL
E
Investor Number:
Tells you whether or not you have
provided us with your Tax File Number
(TFN). If you have not, we cannot
accept any contributions for you,
so you should make sure you
provide us with your TFN.
Call us on 132 135 if we don’t have
your TFN and you can provide it over
the phone.
Note: A withdrawal may include a withdrawal made in accordance with a release authority provided by you or the Australian
Tax Office. A release authority generally allows an amount to be released from your super account for the purposes of paying a
ax liability in relation to concessional contributions or excess contributions.
Generally the benefit of any tax deduction to which the BT Superannuation Savings Fund is entitled will be passed onto
members in the form of reduced fees or costs.
Please note the sources of any contribution(s) shown in this statement are based on the information that has been recorded
by the fund. As such, for certain contributions, a third party service provider may have been shown as the source of the
contribution(s). For example, if a payroll company made an employer contribution on your employer's behalf, the payroll
company (rather than your employer) may be identified as the source of the employer contribution(s) in this statement.
page 9 of 10
more details over the page
Trustee – Westpac Securities Administration Limited (ABN 77 00 049 472, AFSL 233731)
Product – BT Superannuation Savings Fund (ABN 83 835 373 437)
GPO Box 2675 Sydney NSW 2001
page 10 of 10
Trustee - BT Funds Management Limited (AFSL 233724 ABN 63 002 916 458)
Product - BT Lifetime - Personal Super (ABN 83 953 436 008)
GPO Box 2675 Sydney NSW 2001
Important: This is a sample of an annual statement. Please note that your own statement content may vary slightly
from this sample depending on your investment options, transaction history and the product features available.
Page 3 of 4
For more information
With your adviser
132 135
bt.com.au
BT Funds Management Limited ABN 63 002 916 458, AFSL 233724, RSE L0001090 (BTFM) is the trustee of, and the issuer of interests in, BT
Superannuation Savings Fund ABN ABN 83 853 373 437.
The information in this publication does not take into account your personal objectives, financial situation or needs and so you should consider its
appropriateness having regard to these factors before acting on it. The information in this sample statement is factual only. It does not constitute financial
product advice. You should always check to see what fees will be charged, what will happen to your insurance cover and if there are any possible losses
in benefits when you leave a super fund.
A relevant disclosure document is available for BT Superannuation Savings Fund and can be obtained by calling 132 135. You should obtain and consider
the relevant disclosure document before deciding whether to acquire, continue to hold or dispose of interests in BT Superannuation Savings Fund. We’re
required or authorised to collect personal information from you by certain laws. Details of these laws are in the BT Privacy Policy. The BT Privacy Policy
is available at bt.com.au or by calling 132 135.
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).
This sample statement is for illustrative purposes only. Information current as at 22 July 2014.
© 2014 BT Financial Group Limited ABN 38 087 480 331. BT12582C-0714rk
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