Is it time to stay the course or make some adjustments?


What are other SMSFs doing with their investments?


Explore our latest market and investment insights for SMSFs.



Complete important activities for end of financial year

An age-old question is whether it’s better to invest in property or shares. There is actually no right or wrong answer. It all comes down to your preferences and approach to risk.

The Reserve Bank (RBA) Governor, Philip Lowe, delivered a speech to the Press Club earlier this week.

2021 was a whirlwind of central bank policy, inflation, supply chain disruption, geopolitical tension and climate change activity. December was no exception to this with a raft of positive economic data showing the progress of our path to recovery. We now look to 2022 and the next phase of the pandemic.

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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 February 2022. 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 (PDS), before making any decision. 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 a reliable indicator of future performance.

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. For further details, please refer to the Investor Guide, Additional Information and Terms Booklet, BT Cash Management Account and BT Cash Management Account Saver and related Payments Services Terms and Conditions, BT Cash Management Account Fees and Interest Rates.

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.

BTPS and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities, or 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.

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#Effective 1 April 2020 and until further notice, the transaction account balance will be temporarily excluded from the calculation of the administration fee payable on the transaction account portion of account.

^This is to recover expenses including government levies and complying with legislative requirements. The exact amount can vary and will be confirmed in your annual statement. In 2018 it was $37.91.

*BT Panorama won ‘Best Technology Offering’ at the Conexus Financial Superannuation Awards, 2017, 2018 and 2019. The awards recognise 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.