BT Financial Group (BT) (http://www.bt.com.au/) has been helping Australians create and manage wealth since 1969 and today is one of Australia's strongest wealth managers with more than $95 billion in total investments. We are the wealth management arm of the Westpac Group. For the latest market commentary & investment insights from BT visit BT Insights (http://www.bt.com.au/insights/index.asp)