An end-to-end service for your SMSF

Ready to take control of your super and start your own self managed super fund (SMSF)?  

With our end-to-end SMSF service, we’ll look after the paperwork to set up your SMSF, its bank account and investment platform – so you can focus on making your first investment with confidence. 

Is an SMSF right for me?

Learn more about what’s involved in running your own super fund.

We take the hard work out of setting up a self managed super fund, so you can get started sooner.

Invest in Australian shares, ETFs, term deposits, managed funds and professionally managed portfolios all from the one platform.

If you’re not working with an accountant, we can look after your SMSF tax return, independent audit, and help you stay compliant.

Track your SMSF portfolio

See how your investments are performing – individually and across your whole portfolio. Monitor your portfolio, performance, contributions, income and upcoming dividends.

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Invest the way you want

Choose from thousands of investments – including Australian shares, ETFs and term deposits to build your own portfolio. Plus, if you’d like a bit of help, you can choose from a wide range of professionally managed funds or managed portfolios that you can buy online in minutes, with no additional paperwork.

Never misplace a document

Store, share and protect all of your important SMSF documents online, so you’ll never have to worry about missing paperwork at tax time.

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Your SMSF, in the palm of your hand

Check your SMSF balance and performance anytime, anywhere. You can even buy and sell investments straight from your phone – so you’ll never miss your next investment move.

Award winning SMSF platform

BT Panorama won ‘Best Technology Offering’ at the Conexus Financial Superannuation Awards, 2017 and 2018. 1

Sustainable investing made easy

Environmental, social and governance ratings to help you make choices about sustainable investing.

Market updates

Receive market updates customised to your portfolio, and the latest company information and fund fact sheets.

Help when you need it

When you have questions, our dedicated SMSF consultants and support team are here to help.

Compact Menu

  • A select range of term deposits, managed portfolios and managed funds are available.

Full Menu

  • A wider range of term deposits, managed portfolios and managed funds as well as access to ASX listed securities (including Shares and ETF’s).

Please refer to the BT Panorama Investor Guide for more information

Pay for your account

Administration Fee  

Administration fee – asset based.
A percentage fee on your total account balance*
0.15% pa of your total account balance (up to $1million)**

Plus

Administration fee – account based.
A fixed dollar fee depending on which investment menu you choose:
Compact Menu: $180 per annum
Full Menu: $540 per annum

*The Administration fee – asset based applies to all assets (managed funds, managed portfolios, term deposits and listed securities) including your cash account. Listed securities are not available on the Compact menu.
**Nil on balances over $1million.

Please refer to the BT Panorama Investments Investor Guide for more information.

Pay for your investments

In addition, depending on your investment choices the following fees and costs may apply#

Cash Account

$0 - no fees for account opening, management, contributions or withdrawals

Term Deposits

$0 – no setup, monthly or transaction fees

Share Trading*   

$12.50 per trade or 0.11% of the transaction value (whichever is greater)

Managed Funds

Varies by fund and charged by the manager 

Managed Portfolios 

Varies by portfolio and charged by the issuer

* Listed securities are not available if you select the Compact menu.

# Other fees, costs and charges may apply to your account such as expense recoveries (up to $80 pa) and buy/sell spreads. For further details, please refer to the BT Panorama Investor GuideBT Cash Management Account and related Payment Services Terms and Conditions and BT Managed Portfolios PDS.

Other management, transactional and operational costs may apply to the managed fund option. For further details, please refer to the relevant disclosure document(s) for the fund.

Current as at 23 July 2018. Fees and costs are subject to change.

SMSF Setup costs (optional)

You can choose either an individual trustees or corporate trustee structure.

$440 – Individual Trustees
We’ll set up your SMSF trust with individual trustees.

OR

$1,159 – Corporate Trustee
We’ll set up your SMSF trust, plus a company to act as trustee. This cost includes the $488 ASIC company registration fee.

Learn more about SMSF Setup costs

Learn more about trustee structures

Tax and audit (optional)

We can help manage your annual tax and audit with our SMSF Administration service.

SMSF administration and tax from
$1,900 pa. 

Audit – $286 pa

Learn more about Tax and audit fees

SMSF Setup costs

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

Setting up a self managed super fund with individual trustees – $440

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 the re­quired reg­is­tra­tions, in­clud­ing the reg­is­tra­tion of your SMSF as a reg­u­lated fund with the ATO.

Setting up a self managed super fund with a company trustee – $1,159

This fee covers the cost 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 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.

Tax and audit costs

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 pa

Applies where you will hold all SMSF as­sets in your BT Panorama In­vest­ments ac­count and up to one prop­erty.

Con­nect
$2,500 pa

Applies where 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 pa

Applies where you will hold some more com­plex as­sets (eg de­riv­a­tives, op­tions, and in­ter­na­tional shares) or have a prop­erty with a re­lated party loan. Ask us for a quote – call 1300 554 267 to talk to an SMSF consultant.

Additional fees

Fees

Amount

Trust Deed replacement

$187

Annual audit fee

$286 per audit

Government charges

ATO and ASIC fees

Ad­di­tional ser­vices

eg Changes in your trustee, Additional tax services, Actuarial certificates

You have 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.

Apply online

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

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


What you need to know

1. BT Panorama won ‘Best Technology Offering’ at the Conexus Financial Superannuation Awards, 2017 and 2018. The awards recognize excellence in the superannuation industry and an independent committee selects the winners. Awards are opinions only, are not recommendations and are only one factor to be taken into account when deciding to acquire, dispose or hold interests in a BT Panorama Investments account. Awards and ratings are current at the time of publication but are subject to change.

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 July 2018. 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. Past performance is not a reliable indicator of future performance.

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.