Compare your portfolio choices

You can start investing with BT Invest using either the Ready-made or Build your own options. To help you understand their differences, below is a comparison of their key benefits.

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 listed securities, managed portfolios, managed funds, and term deposits.

Choose from
2000+ ASX listed shares
7 managed portfolios
50+ managed funds
24 Term deposits
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.
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 are made online. Keep as little as $100 in your BT Cash Hub. You can sell investments online then you can withdraw amounts to external accounts.
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.
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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.

Common types of risks involved

  • Investment risk: The value of your investments held through BT Invest may be influenced by movements in global and domestic market exchanges, international currencies and interest rates. Adverse movements could result in possible delays in repayment of withdrawal proceeds and loss of income and principal invested.
  • Investment specific risks: An investment in a managed portfolio option or managed fund which has exposure to an entity that is listed on a stock exchange may be affected by unexpected changes in that entity’s operations (due to quality of management, use of technology, etc.) or its business environment. Similarly, an investment in a managed portfolio managed fund option may be affected by unexpected changes in the fund’s operations or by changes in investment management personnel. (For more information see the 'Performance' section in 'Investing with BT Managed Portfolios')
  • Managed portfolio risks: The likely rate of return and the risk of losing money are different in respect of each managed portfolio option, as different strategies carry different levels of risk depending on the mix of assets. Each managed portfolio option therefore may or may not be appropriate for your individual circumstances. There is also risk associated with transaction timing. Generally the managed portfolio option you choose will not be rebalanced more frequently than once per business day. There is a risk that the responsible entity managing your portfolio may not be able to process rebalancing instructions from the investment manager immediately on receiving the instructions, leading to a potential divergence from the return on the investment manager's notional portfolio. This can occur for a variety of reasons, including illiquidity.
  • Term deposit risk: There are some specific risks to investing in term deposits: Term deposit interest rates are fixed for the term of the investment (until maturity), and as a result you are protected from any fall in interest rates for that term. However, you will also not benefit from interest rate rises that occur during the term. Early withdrawal of term deposits will generally result in a waiting period before the term deposit proceeds are paid to you. An interest rate adjustment may apply if you or we terminate the term deposit before maturity (including if you close your account).
  • Tax risk: The tax impact of your investments will depend on your personal circumstances. You should seek your own professional taxation advice in relation to your investment.
  • Changes in tax and other regulations: BT Invest has been designed based on the current regulatory environment. If those regulations change, the value of your investments may be adversely affected.
  • BT Invest operational risk: The risk that administration, computer and supporting systems may not always work as they should. The effective operation of BT Invest (that is powered by Panorama) depends on the integrity of our systems. However, there is a risk that these systems may not be available or operate effectively in certain circumstances. We take risk management seriously, and have procedures in place that are designed to reduce the risk of systems not working effectively and to respond promptly should problems arise. However, you should be aware that not all of these risks can be foreseen.

This summary sets out the general risks associated with BT Invest and investments accessed through BT Invest. It is not an exhaustive list of all the risks of investing. You should refer to the BT Invest Investor Guide and the disclosure documents for the specific investments available through BT Invest (including the PDS for BT Cash and BT Managed Portfolios) to better understand the risks of investing. These disclosure documents, can be found here.