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Managed funds
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Transactions made easy
It’s easy to transact on your PC, tablet or smartphone. Receive income, schedule payments and pay bills by BPAY® or electronic funds transfer.
Track contributions and pensions
It’s simple to categorise your SMSF cash transactions and keep track of contributions and pensions.
Save time at end of financial year
If you want, you can give your accountant access to view your SMSF’s transactions. It helps make tax time easier.
Manage your SMSF transactions
Receive contributions and income
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Super contributions
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Rollovers from other super accounts
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Interest on term deposits
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Interest earned on cash
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Dividends from shares
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Distributions earned on managed funds
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Rental income
Make payments
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Asset purchases
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Pensions
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Member benefits payments
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Taxes
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Fees and expenses
Key features
Flexibility
With a minimum investment of $5,000, you can choose from a range of terms from 1 month to 5 years.
Certainty
A fixed interest rate that can give you a known rate of return.
Ease
Apply for, manage and reinvest term deposits online, with simple options on maturity.
Available on the Full and Compact Menus
Westpac term deposits are available on both the Full Menu and Compact Menu.
Key features
Easy corporate actions
Manage corporate actions online so you can participate in investor schemes, such as a rights issue or buyback related to your SMSF’s shareholdings.
Personalised market news
Be in the know with access to market updates and stock research, customised to your SMSF’s portfolio.
Sustainable investing made easy
Environmental, social and governance ratings to help you make choices about sustainable investing.
Available on the Full Menu
Australian shares and ETFs are available on the Full Menu only.
Key features
Diversification
Choose from a range of diversified (eg growth, balanced) and sector options (eg international shares, fixed interest, property).
Professionally managed
The peace of mind of professional management with access to most of Australia’s leading fund managers – all in one place.
International exposure
An easy way to get some exposure to international markets at a global, regional or country level.
Key features
Professionally managed
If you’re looking to invest in new markets or sectors, a professionally managed portfolio can get you started with confidence.
Know where you’re invested
See exactly which shares, ETFs and managed funds you are invested in and how much is invested in each.
Exclusive to BT
Exclusive access to a range of professionally managed portfolios, only available through BT Panorama. Read the PDS for a full list of portfolios.
Full Menu
Full range of portfolios
View PDS to learn more
Compact Menu
Select range of portfolios
View PDS to learn more
Frequently asked questions
Where can I see the full list of investments available on the investment platform?
You can see a full list of investments online when you login to your Panorama Investments account. If you know what you’re looking for you can search using the name, ASX code or fund (APIR) code. Otherwise, you can use our Investment Navigator to help you find your next investment.
You can open an account without making a cash deposit.
You can also find out more in the Choose your investment menu section above.
I already have a bank account, why do I need another?
At the heart of BT SMSF is your Panorama Investments account which includes an integrated cash management account (the BT CMA). All of your Panorama Investments transactions – including when you buy, sell or receive dividends – will be transacted through your BT CMA. Your Panorama Investments account fees will also be deducted from your BT CMA.
You can still keep any other bank or cash accounts you have for your SMSF. However it’s good to know that the more you use the BT CMA for your day-to-day SMSF transactions, the more you’ll get out of the smart tools and reports to help you track contributions, pensions, upcoming income and dividends.
What costs apply for your Panorama Investments account?
All fees are inclusive of GST unless otherwise stated.
Investment platform asset fee:
0.15% pa of your total balance up to $1 million (capped)
Plus the cost of your selected investment menu:
- Full Menu - $540 pa, or
- Compact Menu - $180 pa
Other costs may apply1:
Share trading
$12.50 per trade, or 0.11% of the transaction value (whichever is greater)
Managed funds or managed portfolios
Fees and management costs will vary based on the manager
Please refer to the BT Panorama Investments Investor Guide for more information.
1. Other fees, costs and charges may apply to your account such as expense recoveries (up to $80 pa) and buy/sell spreads. Conditions, fees and charges apply for BT CMA and term deposits issued by Westpac. Westpac may change these or introduce new ones in the future. For further details, please refer to the BT Panorama Investments Investor Guide, BT Panorama Investments Additional Information and Terms Booklet, BT Cash Management Account and BT Cash Management Account Saver and related Payment Services Terms and Conditions , BT Cash Management Account Fees and Charges Brochure and Interest Rate Schedule, and BT Managed Portfolios PDS and Investment Options booklet - Offer A.
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 19 August 2018. Fees and costs are subject to change.
Are there any investment risks I should consider?
When investing your super, there will always be the risk that the value of your investment will go down. The future performance of any specific investment can’t be guaranteed and past performance is not indicative of future performance. Refer to the BT Panorama Investments Investor Guide for an overview of the types of risks you may need to consider.
Open an account
If you're ready to get started you can apply online in about 10 minutes.
Documents and downloads
Investment platform – opening a Panorama Investments account
Talk to an SMSF consultant
Call 1300 554 267
(Mon-Fri 8:30am-6:00pm,
Sydney time)
What you need to know
BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
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 August 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 and read the disclosure documents, including the terms and conditions or Product Disclosure Statement, before making any decision. 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, BT CMA and BT CMA Saver acquired through the Panorama operating system, an investment acquired using the Panorama operating system 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 acquired through the Panorama operating system.
Conditions, fees and charges apply for BT CMA and term deposits issued by Westpac. Westpac may change these or introduce new ones in the future. For term deposits issued by Westpac you may be entitled to payment under the Australian Government’s Financial Claims Scheme in the event that Westpac becomes insolvent. Payments under the Financial Claims Scheme are subject to a limit for each depositor for eligible deposits held in Westpac. Information about the Financial Claims Scheme can be obtained from www.fcs.gov.au BT CMA and term deposits are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.