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BT Funds Management Limited ABN 63 002 916 458 is the trustee of and issuer of interests in BT Lifetime Super – Employer Plan ABN 39 827 542 991 which is a part of Retirement Wrap.

A Product Disclosure Statement is available for the fund and can be obtained by calling 132 135 or on the Documents and Downloads page.

The government has placed restrictions on when you can access your investment held in superannuation.

The Government has set caps on the amount of money that you can add to superannuation each year on both a concessional and non-concessional tax basis.

There are some things you should consider before you move money out of a super fund.