Building a portfolio

Investors have a vast array of investments to select from. Here we look at what to consider when choosing investments that will reflect your goals.

A relatively safe and secure investment, cash has a rightful place in most portfolios – though it can have downsides.

Further along the risk spectrum, fixed interest securities like government bonds, allow the potential for higher returns than cash, while keeping risk levels lower than other assets like property or shares.

Listed shares offer a slice of ownership in a public company, and an opportunity to share in the growth of the underlying business.

There is more to property than houses and apartments. Discover the different options available and ways you might access them.


Managed investments are one way of accessing any or all of the different asset classes and achieving diversification depending on the investment strategy. Management responsibilities are delegated to a professional investment manager. Managed investments can be useful if you have limited cash to invest.


A structure in which to hold investments rather than a different type of investment, superannuation is specifically designed to help you grow funds for retirement. For most people, super can be taxed at a lower rate than an investment in the same underlying assets outside super.

To discover how BT can help you manage your portfolio of investments, visit our Investments solutions page

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, 10 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.