Retirement designed your way

Your super doesn’t have to stop working when you do.

  • Keep your retirement savings working by investing it in either shares, ETF’s, managed funds, and more - the choice is yours

  • Start taking an income from your super as you begin winding down from work

  • Take income from your super once you have retired

  • Built on our market leading technology platform that helps you manage your super and investments in one convenient place.

Ready to get started?

It’s simple to set up your Pension

Transfer money into your account, choose your payment frequency, and tailor your investment strategy.

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.

Invest your super anywhere, anytime

Easy to view and manage your super investments anytime, anywhere using our online platform, BT Panorama. Access your account from your desktop, tablet or our award-winning mobile app.3

Super designed your way
More action, less admin

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

Access a range of investments including shares, ETFs, ready-made investments like managed funds and managed portfolios, term deposits and more. Download the Investment Options Booklet (PDF 753KB) for a full list of investments available1.

It's easy to rollover your super before you start your pension. All we need is your TFN and other fund details and we'll do the rest. Remember there is a limit (set by the government) on the amount you can have in a retirement savings account. Learn more about this limit when entering retirement.

Log in to BT Panorama on a desktop or download the BT Panorama Mobile App so you can start investing your super, your way.

Your account options

1. When you’re  transitioning into retirement
Transition to Retirement (Accumulation or retirement phase) 

Once you've reached an age that you can access your super, you can take a flexible income stream even if you’re still working. 

2. When you retire
Pension (Retirement phase) 

Enjoy the next chapter of your life by turning your super savings into a flexible income stream for your retirement. Just like in super, you have the freedom to choose your investments and how involved you’d like to be.

Pay for your account - administration fees

The following administration fees apply to your account:

$540 pa + 0.15% pa of your total balance up to $1 million (capped)*

Plus expense recovery^:
Up to $95 pa + 0.03% pa of your total balance

Pay for your investments - investment fees

Depending on your investment choices, the following fees and costs may apply:

  • Term Deposits

  • Trading shares & ETFs
    $12.50 per trade, or 0.11% of the transaction value (if greater)

  • ETFs
    0.04% pa to 1.76% pa (charged by the manager)

  • Managed funds
    0.18% pa to 1.73% pa (charged by the fund manager)

  • Managed portfolios
    0.34% pa to 1.16% pa (charged by the issuer)

*Nil on the part of your balance over $1 million

^For expenses incurred in relation to the Operational Risk Financial Requirement (ORFR). Please refer to the ‘Fees and costs’ section of the PDS for more information.

The above is a summary only of the fees and costs and current as at 1 October 2020. Other fees and costs may apply depending on investment, insurance and advice decisions. Please refer to the PDS and Additional Information Booklet for further information.

Open an account

Opening an account is fast, simple and straightforward. Let’s go!

Mon-Fri 8:30am-5:30pm (AEST)

I want a simple super account

I want ultimate control

I want to learn more about planning for retirement

What you need to know

1 Current as at 1 October 2020. Investment options are subject to change.

2 BT SuperCheck involves a search for superannuation being undertaken by BT Funds Management Limited ABN 63 002 916 458, AFSL 2337 (BTFM), as the trustee and issuer of interests in BT super Invest, which is the Trustee for Retirement Wrap. A Product Disclosure Statement (PDS) for BT Super Invest can be obtained by calling 1300 881 716 or by visiting

Before requesting a rollover of your superannuation benefits, you should consider where your future employer contributions will be paid. If you wish to change the fund into which your employer contributions are being paid, you will need to contact your employer. You should also 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 (e.g. insurance cover). You may not receive the same type or level of benefits after the rollover and may lose any insurance entitlements you have in other fund(s).

3 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. 

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 2019. 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. 

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) administers BT Super Invest. BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the trustee and issuer of BT Super Invest, which is part of Retirement Wrap ABN 39 827 542 991. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. 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 783 160 or by visiting You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. 

BTPS, BTFM and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits or Westpac securities acquired through the Panorama products or underlying bank accounts held at Westpac through their Panorama super cash account, 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.

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 BT Funds Management Limited ABN 63 002 916 458 (BTFM) as trustee of the Retirement Wrap ABN 39 827 542 991. WLIS and BTFM are subsidiaries of Westpac. Westpac does not guarantee the insurance.