Compare your portfolio choices

You can start investing with BT Invest using either the Ready-made or Build Your Own options. To help you understand their differences, below is a comparison of their key benefits.

What can I invest in?

Ready-made portfolios

5 managed portfolios from Conservative to High Growth.

Build Your Own portfolio

2000+ ASX listed securities
7 managed portfolios
50+ managed funds
24 term deposits

How is my money invested?

Ready-made portfolios

Your deposits are auto-invested into BT Managed Portfolios, then professionally managed and rebalanced according to your chosen managed portfolio option.

Build Your Own portfolio

Select, manage and monitor all your investments centrally in the one account, without the hassle of having to maintain and monitor investments separately.

How much do I need to start?

Ready-made portfolios

Get started with as little as $1,000 (keeping $100 in your BT Cash Hub).

Build Your Own portfolio

Keep as little as $100 in your BT Cash Hub. Minimum investment amounts depend on your selected investments.

Can I make withdrawals?

Ready-made portfolios

Withdrawals can be made online and payments can be made to your linked bank account.

Build Your Own portfolio

Withdrawals can be made online and payments can be made to your linked bank account or to another account using Pay Anyone or BPAY.

® Registered to BPAY Pty Limited ABN 69 079 137 518

How do I track my portfolio?

Across your chosen investments, you’ll have easy to understand online reporting keep you up to date and ready at tax time.

You can download the BT Panorama mobile app to view your portfolio or buy and sell investments from your mobile. Simply sign in using your Westpac customer ID and online banking password.

How do I access my portfolio?

Via Westpac Online Banking (desktop or tablet only) or the BT Panorama App. 

Westpac customers

Simply log into Westpac Online Banking to open an account in minutes. No fees or costs are incurred in opening an account, allowing you to explore the available investment options. Fees only apply once you make your first deposit into your BT Invest Cash Management Account.

New customers

If you don't have a Westpac bank account, you can open an everyday banking account in 3 minutes. You can then complete your pre-filled BT Invest application via Westpac Online Banking.

Things you should know

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Invest. Throughout this website, BTPS is referred to as 'the Administrator', 'us' or 'we'. 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). 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 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 disclosure documents before deciding whether to acquire, continue to hold or dispose of interests in the BT Invest products. Unless otherwise stated, capitalised terms used in this website have the meaning given in the BT Invest Investor Guide. Any tax position described in this website is a general statement and for guidance only; it does not constitute tax advice and is based on current tax laws and our interpretation. You should seek independent professional tax advice.

BTPS, BTFM and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities or the BT 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. 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 stand behind or otherwise guarantee the capital value or investment performance of any investments in, or acquired through, the BT Invest products.