Your Panorama Investments account includes an integrated BT Cash hub. It’s the engine of your SMSF – helping you manage all your transactions and keep track of your fund.
Simple to transact
It’s easy to transact on your PC, tablet or smartphone. Receive income, schedule payments and pay bills by BPAY® or electronic funds transfer.
Smart SMSF tools
Give your accountant access to make tax time easier. You’ll also get smart tools to help you keep track of pensions, contributions and your fund’s cash flow.
Earn a return on your cash
While you’re waiting for the right investment opportunity, earn a return on your SMSF’s cash.
Super contributions
Rollovers from other super accounts
Interest on term deposits
Income earned on cash
Dividends from shares
Distributions earned on managed funds
Rental income
Asset purchases
Pensions
Member benefits payments
Taxes
Fees and expenses
Limited recourse loan payments
It's free to open a BT Panorama Investments account. The fees below will apply once you start depositing money into your BT Cash account. All fees will be deducted from your BT Cash account.
| Fee | Amount |
|---|---|
| Account opening fee | None |
| Fee to make contributions, withdrawals or exit the account | None |
| Management fees | A management fee will be charged by the issuer of BT Cash, and may vary from time to time. The fee is calculated as a percentage of the average balance in the account and is charged per annum once once you start depositing money into your account. Refer to the BT Cash PDS for details. |
Lock in an income stream with a choice of Westpac term deposits which offer a variety of terms and flexible interest payment frequencies.
Flexibility
With an initial minimum investment of $5,000, you can choose from a range of terms and payment frequencies.
Certainty
The security of a low risk and fixed interest rate that gives you a known rate of return, even in uncertain times.
Ease
Apply for, manage and rollover term deposits online, with simple options on maturity.
3 months
6 months
1 year
3 years
5 years
There are no additional fees when investing in term deposits.
Access intelligent investment insights and tools, plus a broad range of Australian Stock Exchange (ASX) listed securities.
ASX listed securities
Trade shares, exchange traded funds (ETFs), property trusts and investment trusts, with real-time pricing information.
Personalised market news
Be in the know with access to market updates and stock research, customised to your SMSF’s portfolio.
Easy corporate actions
Manage corporate actions online so you can participate in any investor schemes or proposals related to your SMSF’s shareholdings.
Minimum $12.50 or 0.11% of the transaction value
Diversify your portfolio with access to a range of competitively priced managed funds across a range of different sectors and markets.
Expertly managed
The peace of mind of professional management with access to over 70 leading fund managers – all in one place.
Easy diversification
Choose from a range of diversified and sector options e.g. shares, fixed interest, infrastructure, property and more. View list of funds.
International exposure
An easy way to get some exposure to international markets at a global, regional or country level.
BT Managed Portfolios give you the peace of mind of professional management with some of the benefits of direct ownership.
Expertly managed
A professional investment manager will monitor and rebalance your portfolio to ensure the right investments in the right proportion are in place.
Visibility & control
You retain some of the benefits of direct asset ownership, such as being able to see where your super is invested – which may include shares, ETFs, managed funds and cash.
Exclusive to BT
Exclusive access to a range of expertly managed portfolios, only available through BT. Read the PDS for a full list of portfolios.
0.11% of the transaction value
A tiered percentage fee applies on the balance of your ASX listed securities, managed portfolios and managed funds holdings:
| 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. |
| Over $3 million | Nil |
A minimum administration fee of $750 p.a. per account applies.
Investment costs will be charged by the product issuer of any investments in managed funds or managed portfolios you select.
If you want to know more about the fees and costs please refer to the BT Panorama Investor Guide, BT Cash PDS 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).
If you have an existing SMSF, it’s easy to get started with our personalised concierge service to get your Panorama Investments account up and running sooner. Simply call 1300 554 267 to speak to an SMSF Consultant.
You’ll have access to 350+ managed funds (see the available funds list) and 25+ managed portfolios (read the BT Managed Portfolios PDS for a full list of portfolios available).
If you want to know more about the fees and costs please refer to the BT Panorama Investor Guide, BT Cash PDS and BT Managed Portfolios PDS. View these disclosure documents.
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).
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 Investor Guide for an overview of the types of risks you may need to consider.
The information in this document has been prepared by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. The information provided is factual only and does not constitute financial product advice. Before acting on it, you should seek independent advice about its appropriateness to your objectives, financial situation and needs.
BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Panorama Investments (the investor directed portfolio service operated by BTPS). BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the responsible entity and issuer of interests in BT Cash and Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 is the responsible entity and issuer of interests in BT Managed Portfolios. An Investor Guide is available for BT Panorama Investments and a PDS is available for BT Cash and BT Managed Portfolios (the Panorama products). These disclosure documents can be obtained from BTPS by visiting www.bt.com.au/smsf or calling 1300 554 267. A person should obtain and consider the disclosure documents 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 by visiting bt.com.au/smsf or calling 1300 554 267.
BTPS, BTFM and WFSL are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). Apart from any interest investors may have in Westpac term deposits or securities acquired through Panorama, an investment in or acquired through Panorama is not an investment in a bank or a bank deposit. Westpac and its related entities do not guarantee an investment in or acquired through Panorama Investments.
® Registered to BPAY Pty Limited ABN 69 079 137 518.