BT Super Invest lets you design a super account as individual as you are, with shares, managed funds, ETFs and more; the choice is yours. Do as little or as much as you like and leave the rest to be managed by professionals.
Start with a little or a lot
Decide how much you want to invest and fine-tune your portfolio as you go.
You set the pace
You can choose how involved you’d like to be in managing your investments and take on more or less as you see fit.
Decide where to invest
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.
Move beyond the traditional investment options
You can access a range of investments including shares, ETFs, ready-made portfolios, managed funds and more. Compare social, environmental and governance practices before you invest so that you can align your super to your beliefs, creating a super account as individual as you. Download the Investment Options Booklet for a full list of investments available1.
Never lose sight of your money
See where your money and investments are sitting and how they're performing at any time online through Westpac Online Banking or with our BT Panorama mobile app2.
Know what you’re paying for
Clear and comprehensive fee breakdowns and performance reports give you the clarity you deserve.
You can seize opportunities through your super
BT Super Invest is easy to use, letting you move quickly on opportunities with no paperwork needed. You don’t need an adviser to open an account or make changes, but you can talk to someone if you decide you want to.
Focus on your big-picture, we’ll do the details
Create and fine-tune your super with the confidence that we’ll manage the backend admin tasks.
Planning for the unexpected
With BT Protection Plans insurance, you can have confidence that financial assistance is available should the unexpected happen.
*For balances up to $500k. For balances over $500k, lower rates apply. Please refer to the BT Super Invest Product Disclosure Statement (PDS).
In addition, depending on your investment choices the following fees and costs may apply#:
0.18% pa to 2.01% pa (charged by the fund manager)
$12.50 per transaction or 0.11% of the transaction value (whichever is greater)
0.04% pa to 1.35% pa (charged by the manager)
0.34% pa to 1.15% pa (charged by the issuer)
#Other fees, costs and charges may apply to your BT Super Invest account, such as cash account fee and transaction costs e.g. buy/sell spread. For further details, please refer to the PDS.
Other management, transactional and operational costs may apply to the managed fund or managed portfolio option. For further details, please refer to the relevant disclosure document(s) for the fund or portfolio option.
Current as at 16 December 2017. Fees and costs are subject to change.
Opening an account is fast, simple and straightforward. Let’s go!
To enable you to access your BT Super Invest account on the go, download the BT Panorama mobile app2 and sign in using your Westpac Online Banking details.
BT Super Invest is built on the BT Panorama operating system, our market leading technology that helps you manage your investments, in one convenient place.
Got a question about BT Super Invest? Take a look below to see if it's answered here.
If you require further information, download the BT Super Invest Product Disclosure Statement (PDF 5.9 MB) and Additional Information Booklet (PDF 834 KB), or call a BT Super Invest Consultant on 1300 783 160.
BT Super Invest is only available to investors who receive the BT Super Invest Product Disclosure Statement in Australia, who are over the age of 18 and who have access to Westpac Online Banking.
You will need to have a Westpac Banking product as a personal customer (for example, an everyday bank account, credit card, personal loan or home loan) to submit your application for a BT Super Invest account.
In addition, if you are applying for a BT Super Invest Transtition to Retirement or Pension account, please note that in order to commence an income stream from these accounts, you must have satisfied a condition of release under superannuation law which allows you to access your super. For more information about superannuation conditions of release, please visit www.ato.gov.au.
For an existing Westpac Customer, it only takes about 5 minutes and is easy to do. You will need to provide your personal and contact details, including email address and mobile number.
If you are applying for a BT Super Invest Super account, you will also need to provide your Tax File Number (or if it’s already on file with the bank, you can give us your permission to use it).
If you are applying for a BT Super Invest Transition to Retirement or Pension account, you will need to quote either:
The application is done online through Westpac Online Banking, so it can be completed anytime, anywhere.
After signing in to Westpac Online Banking, the application forms for BT Super Invest can be found as follows:
BT Super Invest has been designed to be set up and accessed online using technology provided through Westpac’s online banking portal. The advantage of this is that not only can you see your BT Super Invest account alongside your Westpac banking products, but you can design, track and modify your super account all at the click of a button.
Yes. If you are not currently a Westpac customer, Westpac offers a range of personal banking products that can be opened easily online, by calling Westpac telephone banking on 132 032 or through your local Westpac branch, including everyday banking accounts, credit cards, personal loans or home loans.
Before making a decision about any of Westpac’s products or services, please read the relevant terms and conditions for the product or service, which are available at westpac.com.au, and consider if it is right for you. Fees and charges may apply and may change.
Yes, there is a 14 day cooling-off period during which you can reconsider your investment. This period starts on the earlier of the date you receive your transaction advice or five days after your initial investment is accepted.
For more information on cooling off, please refer to the BT Super Invest Additional Information Booklet.
Yes. BT Super Invest is designed to cater to a range of superannuation needs throughout your life, which can change depending on your own goals and circumstances.
For example, if you’ve reached your preservation age (between 55 and 60, depending on when you were born), you may be eligible to open a BT Super Invest Transition to Retirement account, which will allow you to withdraw money from your super while you still work (and continue to make contributions to your BT Super Invest Super (accumulation) account). Fees may apply to each account held.
No. Your money will remain in the cash account until you choose to invest it in one or more of the investment options on the investment menu. All cash is held in the cash account, which acts as your main transaction account inside your BT Super Invest account, and is used to settle investment transactions, pay insurance premiums, fees and taxes and make pension payments (if you are drawing an income stream from your pension account).
You can BPAY into your account using the relevant BPAY Biller Code and your individual Customer Reference Number.
Biller Code for personal contributions: 260489
Biller Code for spouse contributions: 260471
Customer Reference Number: provided online once your account is activated.
If you have a BT Super Invest Super account, you can apply for Death and Terminal Illness cover, Total and Permanent Disablement cover and Income Protection through BT Protection Plans. Important information about the insurance cover available through BT Super Invest is set out in the BT Protection Plans Product Disclosure Statement and Policy Document (BT Protection Plans PDS).
Insurance cover is not available when your BT Super Invest account is in either Transition to Retirement or Pension phase.
At a minimum, you’ll need $2000 in your cash account at all times to cover any admin fees or costs related to your investing activity.
You’ll also need the amount you choose to invest outside of cash, and enough to cover the cost of that investment. For further information, please refer to the BT Super Invest Product Disclosure Statement.
You can get exposure to international markets through managed funds, ETFs and managed portfolios, however at this point in time BT Super Invest does not include an option to invest your super directly in international shares.
You can get some exposure to the property market though managed funds and ready-made portfolios, which can include property in their asset mix. If buying direct property with your super is important to you, you may want to consider a self-managed super fund structure (SMSF). For more information go to bt.com.au/SMSF.
All examples and images are for illustrative purposes only. Your portfolio value and performance are likely to be different and will depend on the investment options you have selected and the time period over which you are invested in those options. Past performance is not an indicator of future performance.
1Current as at 16 December 2017. Investment options are subject to change.
2An internet connection is required to access the BT Panorama app. Normal data charges apply. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.
3There is no charge for accepting any rollovers, however before requesting the 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 (eg insurance cover) noting that you may not receive the same type or level of benefits after the rollover.
4General and personal advice are available. Fees will apply for personal advice.
5As at September 2017 (source: 2017 Westpac Group Annual Report).
This information has been prepared by BT Funds Management Limited ABN 63 002 916 458 (BTFM). BT Portfolio Services Ltd ABN 73 095 055 208 (BTPS) administers Panorama Super. BTFM is the trustee and issuer of Panorama Super, which is part of Retirement Wrap ABN 39 827 542 991. BT Super Invest is part of Panorama Super. A Product Disclosure Statement (PDS) for BT Super Invest can be obtained by contacting BT on 1300 881 716 or by visiting bt.com.au/SuperInvest. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of interests in BT Super Invest.
BTPS and BTFM are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). Apart from any interest investors may have in underlying bank accounts held at Westpac through their cash account, Westpac term deposit products or Westpac securities acquired through BT Super Invest, an investment in, or acquired using, BT Super Invest is not an investment in, deposit with or any other liability of Westpac or any other company in the Westpac Group. Investments in BT Super Invest 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, BT Super Invest.
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.
SuperCheck involves a search for superannuation being undertaken by BTFM, as the trustee of Retirement Wrap.
BTFM is a member of BT Financial Group - A Division of Westpac Banking Corporation.
BT Protection Plans are issued by Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS), except for Term Life as Superannuation and Income Protection as Superannuation which are issued by Westpac Securities Administration Limited ABN 77 000 049 472 (WSAL) as trustee of the Westpac MasterTrust ABN 81 236 903 448. WLIS and WSAL are wholly owned subsidiaries of Westpac. Westpac does not guarantee the insurance. This information does not take into account your personal circumstances. The insurance is subject to terms and conditions, and limitations and exclusions apply. Please read the BT Protection Plans Product Disclosure Statement and Policy Document to see if this insurance is right for you. This can be obtained by calling 1300 553 764 or visiting bt.com.au/personal/help/pds.html.
The fees and costs provided are current as at 16 December 2017 and may vary from time to time.