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

2500+ ASX listed securities
10 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 to keep you up to date and ready at tax time.

How do I access my portfolio?

You can access your BT Invest account on your mobile, tablet and desktop. 

  • Desktop – login at 
  • Mobile or Tablet – download the BT Panorama mobile app to view your portfolio or buy and sell investments from your mobile
  • If you are a Westpac customer – you can also view your portfolio in your Westpac everyday banking (desktop or tablet only). 


This account is for:

  • All people in Australia that are 18 years or older.
  • Those who can maintain  a minimum balance of $100 in the transaction account.  

Target Market Determination

Target Market Determination(s) are avail­able at​​tmd


Open an account

If you're ready to get started you can apply online in about 10 minutes.

To apply you'll need your:

  • Personal details
  • Identification – At least one of the following: Australian driver's licence, Medicare card or passport
  • Tax file number – TFN is optional but tax may be withheld if you don’t provide it 

Things you should know

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.