Super products

BT Super Invest is designed for people who want a wider range of investments for their super.

BT SMSF is designed for people who want to take full control of their super.

Not sure where to start? Find out what type of super may suit you with just a few simple questions, or compare our super solutions.

BT Super Invest

Super reimagined

What if your super could be a lot more flexible? BT Super Invest lets you design a super account that reflects what you value. Decide where to invest and how much you want to do and leave the rest to be managed by professionals.

Features & benefits

  • Decide how much you want to invest and fine-tune your portfolio as you go.

  • You can choose how involved you’d like to be in managing your investments and take on more or less as you see fit.

  • Invest your money, how and when you want, without the paperwork. You can refine your investments as you go, make the most of opportunities and adjust your long-term strategy when you see fit.

  • You can access a range of investments including shares, ETFs, ready-made portfolios, managed funds and more.


Make the most of your SMSF with access to a wide range of investments, all in one place. 

Features & benefits

  • Diversify your portfolio with access to cash, term deposits, Australian shares, managed funds and managed portfolios

  • Smart SMSF tools to help you stay on track.

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates Panorama Investments and BT Invest, and administers Panorama Super and BT Super Invest. BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 RSE Licensee L0001090 (BTFM) is the trustee and issuer of Panorama Super and BT Super Invest, which is part of Asgard Independence Plan Division Two ABN 90 194 410 365. 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 Cash Management Account (BT CMA) and the BT Invest Cash Management Account (BT Invest CMA), (together, the Panorama products).​

A Product Disclosure Statement and other disclosure documents (PDS) for the Panorama products can be obtained by contacting BT on 1300 881 716 or by visiting You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of the Panorama products. ​

For the Target Market Determination for these products please refer to​tmd.

Insurance cover in BT Super Invest is provided through TAL Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728 (TLISL). BTFM is a subsidiary of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (Westpac). Westpac does not guarantee the insurance. TLISL is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not part of the Westpac Group. BT is a trade mark of BT Financial Group Pty Limited ABN 38 087 480 331 and is used by TLISL under licence.

Superannuation is a long-term investment. The Government has placed restrictions on when you can access your preserved benefits. The Government has set caps on the amount of money you can add to superannuation each year on a concessionally taxed basis. In addition, the Government has set a non-concessional contributions cap. For more detail, speak with a financial adviser or visit the ATO website. There may be limited circumstances where your employer is not required to accept your Choice of Superannuation fund form e.g. if you have already exercised Super Choice in the last 12 months.

Before requesting a rollover, you should consider where your future employer contributions will be paid (if your employer contributions are currently being paid to another fund) and check with your other fund(s) to determine whether there are any exit or withdrawal fees for moving your benefit, or other loss of benefits (e.g. insurance cover), noting that you may not receive the same type or level of benefits after the rollover. You may not be covered for injuries or illnesses that have arisen since you took out previous insurance, and you may lose loyalty benefits.