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 investments.

About this Risk Rater

When it comes to investing, we all have different attitudes towards risk. Whether investing in shares, property, fixed interest or cash you should carefully consider the level of risk involved in each investment and how you feel about that risk. For instance, you should consider how comfortable you are with the possibility of losing money or that the returns on your investments could fluctuate widely from year to year.

The Risk Rater is a risk profiler to:

  • Help you understand how you feel about risk, and
  • Provide an illustration of how, given a particular risk profile, you could choose to allocate the money you have available for investment.

What a risk profiler?

  • One of the keys to successful investing is knowing yourself, knowing what you want to achieve and when you want to achieve it.
  • Another key to investing is understanding the fundamental risk and return relationship - that the more risk you take, the higher your returns are likely to be in the long term. And the higher the long-term returns, the more volatility you may have to endure in the short term.
  • This profiler draws these factors together by helping you understand how you feel about risk. It provides guidelines that may help you determine how to allocate the funds you have available for investing.

Things you should consider before using the Risk Rater

  • A risk profiler is a tool that can assist you clarify your understanding of your tolerance to risk.
  • It does not provide you with financial advice about any particular financial product or class of financial product. Rather, it gives you an insight about how people with certain risk profiles may choose to allocate their funds available for investing among the major asset classes.
  • The calculations you are able to carry out using risk profilers are for general illustration purposes only, based on the limited inputs you have given and assumptions built into the calculator; they are not a substitute for a detailed financial plan.
  • A risk profiler does not take into account all your individual investment objectives, existing financial situation or particular needs, nor does it help you to select financial products or strategies that suit your needs and your risk-return preferences. All these should be considered before making any investment decision.
  • You should also consider whether the results of the profiler are appropriate, bearing in mind all aspects of your individual financial situation. This may include existing financial commitments and other financial assets you own.
  • To the extent that this risk profiler does contain general advice, you should read the relevant Financial Services Guides (FSGs).

Ready-made's investment selections

BT Invest's Ready-made option makes is simpler to get started. You select one of five diversified managed portfolios in BT Managed Portfolios and your deposits will be auto-invested, managed and rebalanced in line the investment strategy and objective of your selection.

Ease and simplicity

It takes time to effectively monitor and manage a portfolio yourself. BT Managed Portfolios makes this easier, with the assets monitored and rebalanced for you.

Expertly selected

Finding suitable investments takes time and expertise. BT Managed Portfolios invest in assets selected and monitored by BT.

Peace of mind

It requires experience to pick suitable investments. BT Managed Portfolios provide you will access to professional investment management.

Access and visibility

A single point of access to your investment through BT Invest allowing you to see the reporting you need in one place with visibility of your investment allocations.

Compare an investment over 5 years

I want to invest $


 

Every month, I will add $


 

Assuming a % return


About this calculator

Assumptions used

The results which you generate when using this calculator are dependent on the variables you input and the assumptions made by the calculator. As the variables and assumptions are unlikely to match your situation precisely, you should consider the results having regard to your personal situation. The assumptions and their limitations are explained below.

The expected forecast returns are as follows:

Projected return options Expected forecast returns p.a.
Conservative 6.40%
Moderate 7.60%
Balanced 8.60%
Growth 9.20%
High Growth 9.50%

The expected forecast returns are predictive and based on past performance for each option’s typical underlying asset classes, however you should be aware that a limitation of this approach is that past performance is not necessarily an indicator of future performance. There is no guarantee that the return rate for any given year will equal or exceed the average annual return rates used in these examples. The returns are based upon an internal modelling analysis of the expected variance in returns given the underlying neutral asset allocation represented across each option and, on this basis, we consider that the default assumption (and any statutory assumptions) are reasonable for the purposes of working out the estimate. Whilst we have used every effort to ensure that the assumptions on which the expected forecast returns are based are reasonable, the returns may be based on incorrect assumptions or may not take into account all the known or unknown risks and uncertainties. In addition, returns will generally not be consistent and can fall as well as rise at particular points in time. The impact of these limitations is that the returns may be less than projected.

The calculator assumes returns prior to any fees or taxes or transaction costs, that you reinvest all returns (dividends and distributions), and monthly savings are invested at month end. The projected balance does not take into account the effect of inflation. Returns are assumed to compound monthly at the same rate each month to give an equivalent average return for each year.

A complex range of circumstances can impact on the calculations and it is necessary to take this into account when considering the results generated by the calculator. Given the calculator’s purpose is to generate general illustrations of expected forecast returns for a nominated investment style over a 5 year period and not accurate predictions, we think it is reasonable for the calculator to simplify the position. As these assumptions will be the same for any calculation, when you change a variable the result will be a reasonable illustration of the impact of that particular variable change. Some assumptions are conservative estimates of likely scenarios.

It is important to note that the calculator allows you to change the expected forecast returns p.a. to a percentage that you choose.

The assumptions used by this calculator will be reviewed annually against market conditions.

All figures are in Australian currency and are expressed in today’s dollars.

Disclaimer

This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs.  

The projections which you generate when you use this calculator indicate how different factors can affect your investment goals. The figures are based on assumptions and are general illustrations only. You should consider the assumptions to verify that the assumptions reflect your personal situation and understanding of how the calculator operates. The projections are not intended to constitute or be a substitute for financial product advice given by a licensed financial adviser. This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. We recommend that you consider obtaining advice from a licensed financial adviser before making any financial decisions.

When investing, there will always be the risk that the value of your investment will go down. Future performance can’t be guaranteed and past performance is not indicative of future performance.

It’s simple to get started

Apply in minutes

Your Westpac online banking login is used for a fast and easy application process.

Set initial deposit

If you’re choosing the Ready-made option, select your desired managed portfolio option and elect your initial deposit from as little as $1,000 as well as your nominated bank account.

Auto-invest

Investments will be auto-invested into BT Managed Portfolios and managed and rebalanced in accordance with your selected managed portfolio option.

More about managed portfolios

BT Managed Portfolios is an investment option in BT Invest (along with managed funds and term deposits). BT Managed Portfolios offer a range of professionally constructed investment strategies, called managed portfolio options.

The Ready-made option allow you to start by selecting one of the diversified managed portfolios, which are designed to align to acknowledged wealth industry investor profiles covering most stages of your wealth journey (i.e. Conservative, Moderate, Balanced, Growth and High Growth).

Frequently asked questions

What are managed portfolios?

Managed portfolio options are a portfolio of assets made up from managed funds and/or shares (which may include exchange traded funds). They are monitored by an appointed investment adviser to ensure the right investments in the right proportions are in place.

Each managed portfolio option has target percentage allocation in each asset, which the investment adviser sets (within minimum and maximum ranges).

Investments in BT Managed Portfolios are aligned as closely as possible to reflect the targets of your selected managed portfolio option by buying and selling the assets – this process is called "rebalancing".

What reporting is there on my investments?

Investment reporting

You will receive comprehensive consolidated reporting on your investment. We will provide you with annual reporting within three months of the end of each financial year end. You can also access up-to-date investment information online.

Tax reporting

You will receive information regarding your annual tax position for your investments after the end of the financial year (once we have the necessary information from third parties). You will receive an email when these are available online.

How easily can I move money?

If starting with the Ready-made option:

If you start investing choosing the Ready-made option, then “auto-invest” is enabled. This means you can move money in online, using Direct Debit or Regular Contributions (from your nominated linked account), BPAY®, Electronic Funds Transfer (Direct Credit) and cheques. You can also move money out online using Direct Credit to your nominated linked account.

Don’t forget that you need to keep a minimum amount of $100 in BT Cash and $900 in BT Managed Portfolios. If you want to fully withdraw or close your account you will need to call us to help arrange that for you.

If not starting with the Ready-made option (i.e. choosing the Build your own option):

If you choose to start investing without using the Ready-made option (so without “auto-invest” enabled) you can choose how you’d like to move money to/from your BT Cash Hub, either to invest or transfer out. You can move money in using Direct Debit or Regular Contributions (from your nominated linked account), BPAY®, Electronic Funds Transfer (Direct Credit) and cheques. You can move money out using BPAY® or via Direct Credit to yours’ or others’ external bank accounts.

Don’t forget to keep a minimum amount of $100 in BT Cash and any minimum holdings in your investments (more information on investment minimums is available in the Help section). If you want to fully withdraw or close your account you will need to call us to help arrange that.

More information

Further details on cash transacting are in detailed in the BT Cash PDS. This, and all the disclosure documents, can be found here.

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