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Essentials

BT Invest

Experts you can trust

As Westpac's wealth expert and one of Australia's leading investment managers, BT has been helping Australians invest since 1969 and has more than $130bn in funds under administration. And as part of the Westpac Group, you have access to a stable of expertise, market-leading brands and capabilities, to help you prepare for your best financial future.

Invest how you want, when you want

BT Invest is a new way to invest. It gives you access to intelligent technology, tools and experts to help you easily set up, track and manage your investments - no matter your level of skill or wealth. To get started, choose from one of the options below.

BT Invest - Ready-made option

If you are new to investing or want an expertly managed portfolio, you may like to consider one of five managed portfolio options. Each is professionally managed by us to save you time researching, purchasing and monitoring your investment.

BT Invest - Build your own option

If you like more control over building your portfolio, you can create your own portfolio from a range of investment options, supported with market intelligence and trading technology, powered by BT Panorama.
 

Your choices in detail

  Ready-made Build your own

Investment choice

Start with a diversified managed portfolio option from the BT Managed Portfolios, with the choice of adding more investments at your own pace.

Choose from:
5 managed portfolios.

Build a portfolio from a range of investment choices across managed portfolios, managed funds, and term deposits.

Choose from:
7 managed portfolios
50+ managed funds
15 Term deposits
2400+ shares and other listed securities.

Ease and simplicity Your deposits are auto-invested into BT Managed Portfolios, then professionally managed and rebalanced according to your chosen managed portfolio option. Select, manage and monitor all your investments centrally in the one account, without the hassle from having to maintain and monitor investments separately. Manage any Corporate Actions on your listed securities and shares online with no paperwork.
Expert management Have peace of mind knowing the portfolio options are expertly managed by a professional investment manager. Choose from professionally managed investments typically not readily available, and at a lower cost, to retail investors.
Selection and monitoring Your selected managed portfolio option is regularly monitored to ensure it remains suited to its stated investment objective and strategy. All investments offered through BT Invest are selected and monitored to ensure they remain compliant with our investment selection policy.
Access your investments

Get started with as little as $1000 (keeping $100) in your BT Cash Hub. 

Withdrawals can be made online and payments can be made to your linked bank account.

Keep as little as $100 in your BT Cash Hub. Minimum investment amounts depend on your selected investments. 

Withdrawals can be made online and payments can be made to your linked bank account or to another account using Pay Anyone or BPAY.

Comprehensive reporting For your managed portfolio option and BT Cash investments, you’ll have easy to understand online reporting and regular email updates to keep you up to date and ready at tax time, on your desktop, tablet or phone. Across all your chosen investments, you’ll have easy to understand online reporting and regular email updates to keep you up to date and ready at tax time, on your desktop, tablet or phone.

With the Ready-made managed portfolios you have the choice to invest in one the five portfolios based on the level of risk you are comfortable with.

Below is a summary of the portfolios available in the ready-made managed portfolios.


BT Conservative Portfolio

This portfolio may suit investors who prefer predominantly income and some growth returns with a low probability of loss over the short term.
Read more in the BT Conservative Fact Sheet

BT Moderate Portfolio

This portfolio may suit you if you prefer a moderately low risk combination of predominantly income and stable growth returns.
Read more in the BT Moderate Portfolio

BT Balanced Portfolio

The balanced portfolio offers predominantly moderate growth and some income returns.
Read more in the BT Balanced Portfolio

BT Growth Portfolio

This portfolio may suit you if you prefer predominantly moderate to high growth and some income returns.
Read more in the BT Growth Portfolio

BT High Growth Portfolio

This portfolio may suit you if you prefer predominantly high growth returns.
Read more in the BT High Growth Portfolio


With Build your own option there is a range of investment options across managed funds, managed portfolios and term deposits.

  • 50+ Managed funds - You can choose from a select range of competitively priced wholesale managed funds.
  • Managed portfolios - You can choose from professionally managed investments via BT Managed Portfolios, across diversified (risk-based) and sector (shares-based) options.
  • Term deposits - You can invest in Westpac, St George and BT term deposits which offer a variety of terms and flexible interest payment frequencies.

Fees for BT Invest

  • BT Invest has an Account based administration fee and an Asset based administration fee that applies to your account.
  • Once you have made your first deposit, you'll then pay an Account based administration fee of $60 p.a. per account.
  • The Asset based administration fee is 0.50% p.a. based on the value of your investments in Managed Funds, Listed Securities and BT Managed Portfolios (other than the 5 ready-made managed portfolio options). Therefore, this fee does not apply to your investment in one of the 5 ready-made managed portfolio options or your investment in term deposits.
  • For the BT Invest service there are no contribution fees, withdrawal fees, exit fees or fees for switching or changing investment options.
  • Trade listed securities from a low minimum fee of $12.50 or 0.11% of the value of the listed securities you acquire or sell.

Fees of the investment options you choose

In addition to the BT Invest fees, you will also be charged fees for specific investment options you choose. The following is a summary only and you should refer to the relevant product disclosure statement of other disclosure document for each investment option for details on the amount of fees and charges payable.

BT Managed Portfolio

For ready-made managed portfolio options: Investment Management fees and costs*:  0.7% p.a.

For managed portfolio options other than the ready-made options (being the growth focus option and an income focus option): Investment Management fees: 0.46% - 0.80% p.a.

Other fee and costs such as transaction fees may also apply to your investment in BT Managed Portfolios.

*This includes underlying asset fees (ICRs) that applies to these investment options.

Managed Funds

Management fees and costs varies dependent on the investments you choose.

Term Deposits

Management fees do not apply to term deposits.

For more information, please read the PDS.

Things you should know

BT Invest Product Disclosure Statement (PDS)


BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Invest. Throughout this website, BTPS is referred to as 'the Administrator', 'us' or 'we'.  BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the responsible entity and issuer of interests in BT Cash and Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 is the responsible entity and issuer of interests in BT Managed Portfolios (the Panorama products). An Investor Guide is available for BT Invest and a PDS is available for BT Cash and BT Managed Portfolios. These disclosure documents can be obtained by clicking here or calling 1300 881 716.  You should obtain and consider the disclosure documents before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products. Unless otherwise stated, capitalised terms used in this website have the meaning given in the BT Invest Investor Guide. Any tax position described in this website is a general statement and for guidance only; it does not constitute tax advice and is based on current tax laws and our interpretation. You should seek independent professional tax advice.


BTPS, BTFM and WFSL are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (Westpac). Apart from any interest investors may have in Westpac term deposits or securities acquired through BT Invest, an investment in or acquired through BT Invest is not an investment in a bank or a bank deposit. It is 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 guarantee an investment in or acquired through BT Invest. When investing, there will always be the risk that the value of your investment will go down. The future performance of any specific Investment can't be guaranteed and past performance is not indicative of future performance.

© BT Portfolio Services Ltd 2016.