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Why BT Invest?

Westpac's wealth expert, BT, is now offering a new way to invest that's easy. If you are new to investing or want an expertly managed portfolio, you may like to consider one of five ready-made managed portfolio options. Each is professionally managed to save you time researching, purchasing and monitoring your investments.


Your investments are monitored and rebalanced for you by investment experts.

View your investment portfolio side by side with your online banking and receive tax reporting to make tax time simple.

A ready-made portfolio gives you a diversified investment portfolio in one investment.

Open an account in minutes and start investing from as little as $1,000.

How can I invest?

Choose one of five ready-made BT Invest managed portfolios. These five diversified portfolios are aligned to acknowledged wealth industry profiles covering most stages of your wealth journey (i.e. Conservative, Moderate, Balanced, Growth and High Growth). You choose the portfolio and we’ll do the rest.

Diversified portfolios

BT Conservative Portfolio

This portfolio may suit you if you prefer predominantly income and some growth returns, with a low probability of loss over the short term.

BT Conservative Portfolio factsheet

BT Moderate Portfolio

This portfolio may suit you if you prefer a combination of predominantly income and stable growth returns.

BT Moderate Portfolio factsheet

BT Balanced Portfolio

This portfolio may suit you if you prefer predominantly moderate growth and some income returns.

BT Balanced Portfolio factsheet

BT Growth Portfolio

This portfolio may suit you if you prefer predominantly moderate to high growth and some income returns.

BT Growth Portfolio factsheet

BT High Growth Portfolio

This portfolio may suit you if you prefer predominantly high growth returns.

BT High Growth Portfolio factsheet

Need help determining your risk style?

Go to the BT Risk Rater

Want more control to build your portfolio?

Create your own portfolio from a wide a range of investment options using the build your own option.

Find out more

See what it's like to use the BT Invest platform


The total fees and charges payable by you will include the fees for the BT Invest service as well as any fees and costs of the available investments chosen by you. It is important to understand the fee of any available investment you choose, and that those fees will be in addition to the fees charged for BT Invest.

The amount you pay for specific investments, is generally shown in the relevant product disclosure statement or other disclosure documents for each available investment.

Ready-made diversified managed portfolio options

Fee Amount
Investment management fee 0.42% p.a.
of the total value invested
Underlying asset fees Depending on each asset’s allocation within the managed portfolio the overall cost can be up to 0.19% p.a., but this may change from time to time.
Transaction fees None

Managed portfolio options other than the ready-made diversified options
(being the growth focus option and the income focus option)

Fee Amount
Investment management fee 0.22% p.a. to 0.80% p.a.
of the total value invested
Transactional and operational costs of underlying investments 0.10% p.a. to 0.17% p.a., but this  may change from time to time
Transaction fees 0.02% p.a. to 0.11% p.a., but this  may change from time to time

This is a summary only. For full information on fees and costs refer to the ‘Fees & Costs’ section of the BT Managed Portfolios Product Disclosure Statement.

Next steps

Who is this account for?
  • All people in Australia that are 18 years or older.
  • Those who can maintain a minimum balance of $100 in the transaction account.  
What do I need to get started?
  1. Open a BT Invest account in about 10 minutes.
  2. Make an initial deposit and choose between Ready-made or Build your own portfolios.
  3. Start investing.

Important things to consider before you invest

Before you consider investing through BT Invest, it is important you understand the risks that can affect your investment. Generally, these are:

  • Risks associated with using BT Invest.
  • Investment risks associated with the investments you access through BT Invest.
BT Westpac logo

Westpac and BT – we’re here to help

As part of our Group and one of Australia’s leading wealth experts, BT has been helping Australians build and protect their wealth since 1969.


Through BT, you can access a range of solutions across super, investments and insurance, to help you plan for today and tomorrow. 

Things you should know

BT Invest pack (PDF 1.65 MB)
Contains your Investor Guide, Additional Information and Terms Booklet

BT Invest Cash Management Account Pack (PDF 312 KB)
Contains BT Invest Cash Management Account and related Payments Services Terms and Conditions and the Fee and Charges Brochure and Interest Rate Schedule

BT Panorama Financial Services Guide (PDF 259 KB)

BT Invest Managed Portfolios PDS Part 1 (PDF 409 KB)
Contains General Information

BT Invest Managed Portfolios PDS Part 2 (PDF 390 KB)
Contains Investment Options Booklet

BT Conservative Portfolio Fact Sheet (PDF 122 KB)

BT Moderate Portfolio Fact Sheet (PDF 121 KB)

BT Balanced Portfolio Fact Sheet (PDF 121 KB)

BT Growth Portfolio Fact Sheet (PDF 122 KB)

BT High Growth Portfolio Fact Sheet (PDF 119 KB)

DNR Capital Australian Equities High Conviction Portfolio (PDF 143 KB)

BT Australian Shares Portfolio (PDF 141 KB)

BT S&P/ASX 20 Shares Portfolio (PDF 125 KB)

Antares Dividend Builder Portfolio (PDF 135 KB)

BT Managed Portfolio Proxy Voting Record (PDF 97 KB)

Pendal Sustainable Future Australian Shares Portfolio Fact Sheet (PDF 73 KB)

BT In­vest Tar­get Mar­ket De­ter­mi­na­tion (PDF 530 KB)

BT Invest Cash Management Account Target Market Determination (PDF 911 KB)

BT Managed Portfolios Target Market Determination (PDF 913 KB)


BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) operates BT Invest. 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 Invest Cash Management Account (BT Invest CMA). Together, these products are referred to as the BT Invest products.


A Product Disclosure Statement or other disclosure document (PDS) for the BT Invest products can be obtained by contacting BT on 1300 881 716 or by clicking here. You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the BT Invest products.


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