Your Panorama Investments account includes an integrated BT Cash hub. It’s the engine of your SMSF – helping you manage all your transactions and keep track of your fund.
Simple to transact
It’s easy to transact on your PC, tablet or smartphone. Receive income, schedule payments and pay bills by BPAY® or electronic funds transfer.
Smart SMSF tools
Give your accountant access to make tax time easier. You’ll also get smart tools to help you keep track of pensions, contributions and your fund’s cash flow.
Earn a return on your cash
While you’re waiting for the right investment opportunity, earn a return on your SMSF’s cash.
Rollovers from other super accounts
Interest on term deposits
Income earned on cash
Dividends from shares
Distributions earned on managed funds
Member benefits payments
Fees and expenses
Limited recourse loan payments
With an initial minimum investment of $5,000, you can choose from a range of terms and payment frequencies.
The security of a low risk and fixed interest rate that gives you a known rate of return, even in uncertain times.
Apply for, manage and rollover term deposits online, with simple options on maturity.
ASX listed securities
Trade shares, exchange traded funds (ETFs), property trusts and investment trusts, with real-time pricing information.
Personalised market news
Be in the know with access to market updates and stock research, customised to your SMSF’s portfolio.
Easy corporate actions
Manage corporate actions online so you can participate in any investor schemes or proposals related to your SMSF’s shareholdings.
The peace of mind of professional management with access to over 70 leading fund managers – all in one place.
Choose from a range of diversified and sector options e.g. shares, fixed interest, infrastructure, property and more. View list of funds.
An easy way to get some exposure to international markets at a global, regional or country level.
A professional investment manager will monitor and rebalance your portfolio to ensure the right investments in the right proportion are in place.
Visibility & control
You retain some of the benefits of direct asset ownership, such as being able to see where your super is invested – which may include shares, ETFs, managed funds and cash.
Exclusive to BT
Exclusive access to a range of expertly managed portfolios, only available through BT. Read the PDS for a full list of portfolios.
An integrated cash hub for easy trading
One place to transact and manage your SMSF’s cash flow
Convenient online cash transactions such BPAY®, direct debit, direct credit
Schedule regular deposits and payments
Detailed transaction history
Easy transaction categorisation to track pensions and contributions
A management fee will be charged by the issuer of BT Cash. This varies from time to time. Refer to the BT Cash PDS for details.
Access to Westpac term deposits at competitive rates
Purchase term deposits online
Manage term deposits and rollovers online
Access to a broad range of ASX listed securities
Access to 350+ professionally managed funds
Access to 25+ expertly managed portfolios
Consolidated portfolio and tax reporting
Daily Portfolio tracking, valuation and asset allocation reporting
Online corporate action management
Intelligent research insights to help you invest
Easy set-up of regular Investment plans
Smart SMSF tools to support compliance such as accountant access, a secure online document library and external asset reporting and valuation
Trade from minimum $12.50 or 0.11% of the transaction value
Applies to ASX listed securities you trade through Panorama using the online broker1
1 However, if the transaction needs to be managed by the broker (for example, due to insufficient liquidity in the market), a transaction fee of up to 0.20% of the value of the transaction will apply.
A percentage fee applies on the balance of your ASX listed securities, managed portfolios and managed funds holdings, as detailed in the table below
This fee is tiered which means that a separate fee percentage applies to each tier of your account balance and the percentage reduces for higher balances
$0 to $250,000
Over $250,000 to $500,000
Over $500,000 to $1 million
Over $1 million to $3 million
Over $3 million
A minimum administration fee of $750 pa per account applies
Investment costs will be charged by the product issuer of any investments in managed funds or managed portfolios you select. Where can I find out more?
If you have an existing SMSF, it’s easy to get started with our personalised concierge service to get your Panorama Investments account up and running sooner. Simply call 1300 554 267 to speak to an SMSF Consultant.
If you want to know more about the fees and costs please refer to the BT Panorama Investor Guide, BT Cash PDS and BT Managed Portfolios PDS. View these disclosure documents.
If you want to know a particular managed fund’s fees and costs, they are quoted in the respective Product Disclosure Statement (PDS), which is available online after opening a BT Panorama Investments account (you can open an account without needing to make a deposit).
When investing your super, there will always be the risk that the value of your investment will go down. The future performance of any specific investment can’t be guaranteed and past performance is not indicative of future performance. Refer to the Investor Guide for an overview of the types of risks you may need to consider.
The information in this document has been prepared by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your objectives, financial situation and needs.
BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Panorama Investments (the investor directed portfolio service operated by BTPS). BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the responsible entity and issuer of interests in BT Cash and Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 is the responsible entity and issuer of interests in BT Managed Portfolios. An Investor Guide is available for BT Panorama Investments and a PDS is available for BT Cash and BT Managed Portfolios (the Panorama products). These disclosure documents can be obtained from BTPS by visiting www.bt.com.au/smsf or calling 1300 554 267. A person should obtain and consider the disclosure documents before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products.
In addition, BTPS is the provider of the Panorama SMSF Establishment Service and the Panorama SMSF Administration Service. The Guide and Terms and Conditions for these services are available by visiting bt.com.au/smsf or calling 1300 554 267.
BTPS, BTFM and WFSL are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). Apart from any interest investors may have in Westpac term deposits or securities acquired through Panorama, an investment in or acquired through Panorama is not an investment in a bank or a bank deposit. Westpac and its related entities do not guarantee an investment in or acquired through Panorama Investments.
® Registered to BPAY Pty Limited ABN 69 079 137 518.