The following form allows you to search all of BT.

    Choose from the following solutions if your clients are looking for…

    calculator

    Pension

    A flexible, tax-effective retirement income stream.

    • BT Panorama Super 

    Learn more >

    Calendar icon

    Annuities

    Stability with a guaranteed income stream.

    • Challenger Guaranteed Annuity (Liquid Lifetime)

    • Challenger Guaranteed Annuity

    • Challenger CarePlus

    Learn more >

    Steering wheel icon

    BT Panorama SMSF

    Complete control over their investments and income in retirement.

    • Adviser and accountant collaboration

    • Investment of SMSF funds

    • Set up and manage pensions

    Learn more > 

    BT Panorama Super

    Efficiently manage your clients’ super portfolios from accumulation to pension phase with flexible pension options, all in one place.
    iPad nano

    Features

    • Seamless transition: Transitioning clients from accumulation to pension phase is easy and streamlined. Clients can build savings in their Panorama Super account before receiving a potentially more tax-effective income from their Panorama Pension account in retirement.

    • Invest for income: Select the investment options that best suit your client and their risk profile from either a Focus, Compact or Full investment menu including term deposits, equities, managed and tailored portfolios, and annuities.

    • Flexibility: Your clients can choose their desired pension payment date and frequency, and make partial withdrawals at any time as either an income payment or a lump sum.

    • Related group pricing: Allows your clients to combine their accounts with eligible accounts of family members to potentially reduce the administration fees paid.

    • Estate planning options: Your clients can make non-lapsing beneficiary nominations, as well as auto-reversionary nominations with the flexibility of a secondary beneficiary nomination, for extra peace of mind.

    • Rich online functionality: Reduce your admin time by gaining digital consent from clients via SMS and email. Also access key information with intuitive dashboards and flexible, real time reporting.

    More about BT Panorama

    Challenger annuities

    Access guaranteed retirement income for your clients with Challenger annuities on BT Panorama.
    no fees icon

    Simple:

    Set your clients up with Challenger Guaranteed Annuities (Liquid Lifetime or Fixed Term) or Challenger CarePlus for the same rate offered directly by Challenger with no BT Panorama fees.

    work efficient icon

    Work more efficiently:

    Avoid unnecessary paperwork and manage your clients’ annuities online – from generating quotes through to applications and annuity setup, as well as maintaining client details and providing maturity instructions.

    chart icon

    One single platform:

    Access everything you need to assist your clients via BT Panorama, including Challenger calculators, tools, resources and more, all in one place.

    Access to a range of options:

    • Challenger Guaranteed Annuity (Liquid Lifetime) – a guaranteed regular income for your client’s lifetime

    • Challenger Guaranteed Annuity – a guaranteed regular income for a fixed term your client chooses

    • Challenger CarePlus – a specialist investment designed to help people moving into residential aged care.

    More about Challenger annuities

    Talking to your clients about retirement

    Planning for retirement can be a complex process with client needs and circumstances varying widely. Our guides, articles and tools are designed to help you navigate the retirement landscape and to assist your client conversations.

    Planning for retirement

    adviser and client talking

    Your guide to means testing

    Setting a tax strategy for your clients before they start their TtR pension is an important step in helping them increase both their savings and their super.

    Retirement lifestyle calculator

    This calculator allows you to estimate the annual income you might need to support a retirement lifestyle based on the expenses you input.

    In retirement

    Granny flat arrangements

    Granny flat tax implications

    Documenting granny flat arrangements can protect the interests of elder relatives. However, there may be tax, estate planning and other consequences.

    Granny flat arrangements within the context of the gifting rules

    There are special rules for granny flat arrangements that may prevent the deprivation rules from applying. However they must satisfy a range of requirements.

    Income streams: social security income test (including defined benefits)

    Income streams are generally assessed under the social security income test when they are commenced. The specific treatment will depend on the type held.

    Later life

    Guide to aged care article

    Your guide to aged care

    This guide covers a range of topics that you should consider when discussing aged care plans with your clients, including eligibility for government subsidised aged care, home care packages, the aged care means test and more.

    Superannuation death benefits

    Super death benefits are subject to the transfer balance cap rules where a death benefit income stream is paid. Child pensions also have special rules.

    Ready to get started?

    Speak to a BDM

    Find out how BT’s super solutions can meet your clients' retirement needs at any life stage.

    Speak to a BDM
    Phone icon

    Call 1300 784 207

    If you have a service enquiry, call us.
    8:30am – 6:30pm Sydney time
    Monday – Friday

    Information current as at 14 October 2026.

    This communication 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. This document provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such.  This information does not take into account your personal objectives, financial situation or needs and so you should consider its appropriateness, having regard to these factors before acting on it.

    BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) administers Panorama Super. BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the trustee and issuer of Panorama Super, which is part of Asgard Independence Plan Division Two ABN 90 194 410 365. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. BTPS operates Panorama Investments.  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) and the BT Cash Management Account Saver (BT CMA Saver). 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 784 207 or by visiting bt.com.au.  

    A retail client should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in a Panorama.

    BTPS, BTFM and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits, Westpac securities, the BT CMA, or the BT CMA Saver acquired through the Panorama operating system, an investment acquired using the Panorama operating system or 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 acquired through the Panorama operating system.

    Speak to a BDM

    Find out how BT’s super solutions can meet your clients' retirement needs at any life stage. 

    Speak to a BDM