Learn about investing

Investing is a cornerstone of wealth. Discover what’s involved, the main types of investments and what you can do to potentially make your money work harder.

Investing involves selecting assets that can work for you to provide additional income and potential capital growth to help grow your wealth.

Goals give us something to work towards – a blueprint for the future. Discover the different sorts of investment-related goals you might consider working towards.

All investments involve some degree of risk. The key is to select investments that have a level of risk you are comfortable with.

Spreading your money across a number of different investments has the potential to reduce risk. 

Cash assets can play a valuable role in your portfolio, offering safer returns and in many cases letting you access your money when you need it.

Fixed interest investments like government bonds can offer the potential to earn higher returns than cash.

We explain how to manage your portfolio through a process known as ‘rebalancing’ so that it continues to reflect your goals and your comfort with risk.
Online solutions can help you deal with the administration tasks associated with managing a portfolio of investments by keeping them, and the associated reporting, all in the one place.
Learn how gearing can impact positively (or negatively) on your returns and discover how to help manage the risks of gearing.

We explain some potential downsides of investing and the steps you can take to help manage or possibly avoid them.

Be prepared to separate fact from fiction. Learn more about some important truths to keep in mind.
Discover why choosing a BT investment can be an important step in achieving your goals with the benefit of our experience, expertise and a wide range of investment options.

BT Invest is a new way to invest your money, how you want, when you want. Pick from one of our 5 ready-made managed portfolios, or you can choose the build your own portfolio option and select from over 50 managed funds, 7 managed portfolios or 15 term deposits.

  • Expert support

  • Choice and control over your investments

  • Integrated with your banking

Since 1969, our business has been built on the expertise and innovation of our investment specialists. Today we help thousands of customers find the investment solutions that suit their personal needs, goals, life stage and tolerance for risk.

BT doesn’t offer a ‘one-size-fits-all’ investment approach. We understand that investors have differing goals and attitudes towards investing, so we make available a wide choice of investment options.

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Invest. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Invest Cash Management Account (BT Invest CMA). Together, these products are referred to as the BT Invest products.

A Product Disclosure Statement or other disclosure document (PDS) for the BT Invest products can be obtained by contacting BT on 1300 881 716 or by clicking here. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the BT Invest products.

BTPS and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities or the BT Invest CMA acquired through the BT Invest products, an investment in, or acquired using, the BT Invest products is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. These investments are subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investments in, or acquired through, the BT Invest products.