Does your client already have an SMSF - Open a BT Panorama Investments account
At the heart of our SMSF solution is the Panorama Investments account and integrated BT Cash Management Account (CMA) - for your client's SMSF. Open up your client’s SMSF investment opportunities with access to thousands of investments on one platform.
Learn more about BT Panorama Investments investment options.
Need to set up a SMSF?
If your clients don't already have a SMSF, we have partnered with Heffron to help you set one up.
Consolidated reporting
Make tax time easier with consolidated reporting of all investments held in your client’s Panorama Investments account.
Secure document library
Store and share your client's important SMSF documents, all in one place. A secure online document library accessible by trustees, accountants and advisers. Enabling you to flag documents for audit purposes, date stamp with the financial year, or mark as private if required.
SMSF accounting software connection
Connect your client’s BT Panorama account to SMSF accounting software to view their externally held assets and additional SMSF information such as member balances, contributions and pension details. This also allows you to collaborate seamlessly with their accountant.
Accountant access
Your client’s accountant can be given dedicated accountant access to their SMSF’s BT Panorama Investment account. This will allow them to securely view online documents and provide them with a consolidated view of your client’s SMSF Panorama Investments account, external assets and additional SMSF information, making collaboration easy.
Account-based fees
Start by selecting an investment menu. Each menu type has a fixed dollar fee, applies regardless of the account balance or the investments your client held:
| Menu type | Fee rate (charged monthly) |
|---|---|
| Focus | $60 p.a. |
| Compact | $240 p.a. |
| Full | $540 p.a. or $400 p.a. for an account grouped with other eligible Panorama accounts.** |
For more information on the investments available for each menu type, refer to BT Panorama Investments account.
PLUS
Asset-based fee
In addition to the account-based fee, a percentage fee on your client’s total average daily account balance or the aggregate balance of grouped accounts (excluding cash held in your client’s transaction account) applies:
| Investment balance | Fee rate (single account) | Fee rate (for grouped accounts with Full and Compact menus)** |
|---|---|---|
| $0 to $500,000 | 0.15% p.a. | 0.15% p.a. |
| Over $500,000 to $1,000,000 | 0.15% p.a. | 0.10% p.a. |
| Over $1,000,000 to $2,500,000 | Nil | 0.03% p.a. |
| Over $2,500,000 | Nil | Nil |
Information current as at 1 October 2025
* Other fees, costs and charges apply. Please refer to the ‘Fees and other costs’ section of the BT Panorama Investments Investor Guide for more information.
** For more information on grouped accounts, refer to 'Benefit from multiple accounts in a related group' in the 'Additional explanation of fees and costs' section of the BT Panorama Investments Investor Guide.
BT and Heffron have partnered to assist establishing an SMSF and once the SMSF is established, an investments account.
- You can establish your client's SMSF using Heffron's SMSF establishment service.
- Once your client's SMSF is established, you can open a BT Panorama Investments account to manage your client's SMSF investments.
Visit Heffron to learn more about establishing an SMSF and to find details of Heffron’s optional administration service. Other SMSF establishment providers are available. BT does not recommend or endorse any SMSF establishment or administration service provider.
Speak to a BDM
Find out how BT SMSF can integrate seamlessly with your business model and meet the needs of your clients.
This webpage has been prepared for use by advisers only. It must not be made available to any client and any information in it must not be communicated to any client.
BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) is the operator of 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, the Panorama products).
This information does not take account of your individual objectives, financial situation and needs. A Product Disclosure Statement or other disclosure document (PDS) for the Panorama products can be obtained by contacting BT on 1300 881 716 or by visiting www.bt.com.au. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of the Panorama products.
BTPS and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities or the BT CMA through the Panorama products, the Panorama products are not a deposit with, investment in, 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 the Panorama products.
For the Target Market Determination for these products please refer to www.bt.com.au/tmd.
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 BT Panorama. Awards and ratings are current at the time of publication but are subject to change.