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.

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

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


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.

For help in understanding some of the different investment options available to you, contact us to arrange the type of advice that is appropriate for you

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

* BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Invest. 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 (the Panorama products). An Investor Guide is available for BT Invest and a PDS is available for BT Cash and BT Managed Portfolios. These disclosure documents can be obtained by clicking here or calling 1300 881 716.  You should obtain and consider the disclosure documents before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. 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 BT Invest, an investment in or acquired through BT Invest is not an investment in a bank or a bank deposit. It is 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 guarantee an investment in or acquired through BT Invest.