BT SMSF - The new experience

Whether you’re just starting out or have an existing fund, BT SMSF helps you make the most of your SMSF.

It’s easy to expand your investment options or build out a diversified super portfolio with Panorama Investments. Access an integrated cash account, over 2000 ASX listed securities and a broad range of professionally managed investments from Australian and Global investment managers. With integrated tax and reporting features, it helps keep you on track and in control.

You can also choose to add the SMSF Administration Service to help you manage your fund’s administration, tax and compliance. And if you haven't yet set up your SMSF, we can set that up for you as well through our SMSF Establishment Service.

If you are an accountant or an adviser, you can read more about our offer here.
I am an accountant »
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If you're ready to get started you can apply online in about 10 minutes.

Our services
Building a diverse portfolio
Smart SMSF functionality

Investing your SMSF

Managing and building your portfolio

  • Access over 2,400 investments

  • Trade listed securities from $12.50

  • Market insights

  • Integrated cash account

  • Add external assets for a whole of fund view

  • Secure online document storage

  • Consolidated tax reporting

Administering your SMSF

Administration, tax and audit services - Optional

  • Help in managing the paperwork including the fund’s annual return to the ATO and independent annual audit

  • Range of services so you only pay for what you need

  • Member administration including pension establishment and annual statements

Setting up your SMSF

Fund establishment service - 
Optional

  • One easy application to establish the SMSF and set up your investment account

  • Choose Individual or Corporate Trustee

  • We’ll look after the paperwork and manage the end to end process of setting up your SMSF

  • All documents saved in the online document library for easy access

Have any questions? Talk to a BT SMSF Consultant today or request a call back. Ask us about our introductory offer, available until 31 October 2017

A single place for your SMSF

  • One place to invest in a wide range of investments and manage the compliance of your SMSF.

  • A single login to transact, trade and view all your SMSF information.

  • View your SMSF alongside your other accounts in Westpac Live.

Track, trade and transact over 2,400 investments

  • Trade from over 2,000 ASX listed securities, including shares and ETFs.

  • Choose from over 400 professionally managed funds providing access to Australian shares, international shares, fixed interest, property and more.

  • Select from more than 25 expertly managed portfolios that give you transparency, portability and control.

  • Invest in a range of term deposits.

Market updates and real-time pricing

  • Receive market updates customised to your portfolio.

  • View real-time pricing and the latest company information and fund fact sheets.

Manage your portfolio and track your performance

  • See a daily snapshot of your SMSF on one screen, including portfolio valuation, performance, asset allocation, capital, income, available cash and recent transactions.

  • Add any external assets you hold outside of BT SMSF (e.g. property) to get a whole of fund view.

Easy access to integrated tax and reporting

  • Save time at end of financial year by linking your accountant so they can view your SMSF’s data, including a consolidated tax report.

  • Track your contributions and pensions to help you stay within your limits.

  • Store all your important SMSF documents in your secure online document library.

Screenshot of the portfolio view on Panorama
See your whole of fund view
Screenshot of the market updates available through Panorama
Get market updates alongside your portfolio
Screenshot of the secure online document library
Keep track of everything in your secure online document library

Fees

Establishment

You can choose to establish an SMSF with either individual trustees or a corporate trustee.

Establish an SMSF with individual trustees - $695

This fee covers the costs of:

  • providing you with the Trust Deed and other documentation to establish your SMSF. Additional fees may apply if stamp duty is payable following execution of your Trust Deed, and
  • arranging for all of the required registrations, including the registration of your SMSF as a regulated fund with the ATO.

Establish an SMSF with a company trustee - $1,475

This fee covers the costs of:

  • setting up a company to act as trustee,
  • registering the company with ASIC,
  • providing the Trust Deed and other documentation to establish your SMSF. Additional fees may apply if stamp duty is payable following execution of your Trust Deed, and
  • arranging for all of the required registrations, including the registration of your SMSF as a regulated fund with the ATO.

Find out more about fees and costs

If you want to know more about the fees and costs please refer to the BT Panorama SMSF Establishment Service Guide.

Investments

It's free to open a BT Panorama Investments account. The fees below will apply once you start depositing money into your BT Cash Management Account. All fees will be deducted from your BT Cash Management Account. Fees to make contributions, withdrawals or to exit the account

BT Cash Management Account

Fees Amount
Account opening fee None
Fee to make contributions, withdrawals or to exit the account None
Management fee Nil


Term deposits

There are no additional fees when investing in term deposits.

Australian shares, managed funds and managed portfolios

Share trading fee
Minimum $12.50 or 0.11% of the transaction value.

Investment administration fee
A tiered percentage fee applies on the balance of your ASX listed securities, managed portfolios and managed funds holdings. This fee is tiered which means that a separate fee percentage applies to each tier of your account balance and the percentage reduces for higher balances:

Investment balance Fee rate
$0 to $250,000 0.50% p.a.
Over $250,000 to $500,000 0.35% p.a.
Over $500,000 to $1 million 0.25% p.a.
Over $1 million to $3 million 0.10% p.a.
Balance over $3 million
Nil

 

A minimum administration fee of $750 p.a. per account applies.

Investment costs
Investment costs will be charged by the product issuer of any investments in managed funds or managed portfolios you select.


Find out more about fees and costs

If you want to know more about the fees and costs please refer to the BT Panorama Investor Guide, BT Cash Management Account and related Payments Services Terms and Conditions and BT Managed Portfolios PDS.

If you want to know a particular managed fund’s fees and costs, they are quoted in the respective Product Disclosure Statement (PDS), which is available online after opening a BT Panorama Investments account (you can open an account without needing to make a deposit).

Administration

We offer a choice of three simple administration packages – Core, Connect and Custom. So you’ll have the certainty of a flat dollar fee, plus the flexibility to add extras when you need them.

Core
$1,900 p.a.

All SMSF assets are held in your BT Panorama Investments account, except for a single property.

Connect
$2,500 p.a.

You will hold some SMSF assets outside of your BT Panorama Investments account and/or want the option to add extra properties or have segregated assets.

Custom
From $3,500 p.a.*

You hold some more complex assets (e.g. derivatives, options, and international shares) or have a property with a related party loan.

*Ask us for a quote.

Additional fees

Fees Amount
Trust Deed replacement $187
Annual audit fee $330 per audit
Government charges ATO and ASIC fees
Additional services We give you the flexibility to add these when you need them, so you only pay for what you need


Find out more about fees and costs

If you want to know more about the fees and costs please refer to the BT Panorama SMSF Administration Service Guide.

Begin your application online

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

Get in touch

Simply complete the form and a BT SMSF Consultant will call you back.  

Weekdays 8:30am - 6:00pm AEST

What you need to know

The information on this website has been prepared by BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) and is current as at October 2017. The information provided is general in nature and does not take into account your personal needs, objectives or circumstances and therefore, before acting on it, you should consider whether it is appropriate for you. 

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates Panorama Investments. 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). Together, these products are referred to as the Panorama products. 

A Product Disclosure Statement or other disclosure document (PDS) for the Panorama products can be obtained by contacting BT on 1300 554 267 or by visiting www.bt.com.au/smsf. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. In addition, BTPS is the provider of the Panorama SMSF Establishment Service and the Panorama SMSF Administration Service. The Guide and Terms and Conditions for these services are available on www.bt.com.au/smsf or by calling 1300 554 267. 

BTPS 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 Panorama products, an investment in, or acquired using, the Panorama 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 Panorama products.