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St.George has partnered with BT

To help you do more with your super, we’ve partnered with BT – St.George's wealth expert and one of Australia’s leading investment specialists. BT has been helping Australians manage, grow and protect their money since 1969.


Why choose BT Super Invest?

Design your own super

Decide how your super is invested
Invest your super the way you want, make the most of opportunities, and fine tune your investments as you go.
Move beyond the usual investments
Choose from Australian shares, exchange traded funds (ETFs), term deposits, managed portfolios, managed funds and more. View investment options

Set the pace you want
Decide how involved you’d like to be in managing your investments and do as much or as little as you like with your super.

Great features to help you grow your super

One simple investment platform
Get access to more investment choices and manage your super from your mobile, desktop or tablet.
See where you’re invested
An easy to use dashboard that gives you visibility over your super investments, whatever they may be. 
Track investment performance
See how your super investments are performing at any time online with access to performance charts and reports.
Simpler than an SMSF
You don’t have to establish a trust or take on the trustee responsibility, so you can focus on your investments.


A snapshot of fees & costs*

The following administration fees apply to your account, plus fees for your selected investments.

All costs are inclusive of GST unless otherwise stated.

Pay for your account

  • $540 p.a. + 0.15% p.a.

    of your total balance up to $1 million (capped)^

  • PLUS
  • $95 p.a. + 0.03% p.a.

    of your total balance for expense recoveries. The exact amount deducted will be confirmed in your annual statement.


Extra you can add

Insurance for your super

With BT Super Invest, insurance is optional. You can apply for insurance cover through BT Protection Plans and be confident that financial assistance is available should the unexpected happen. 

Getting started easily

1. Open an account
Open a BT Super Invest account online in about 10 minutes.
2. Bring your super together
You can then use a simple online tool to find and combine your super if you choose1.
3. Design your super
Once you’ve rolled over your super, invest it how you want and track it with the BT Panorama mobile app.

The Detail

Before making a decision, please read the relevant guides and documents and ensure you're aware of all fees and costs.

Important information

Other key documents

Investment Fees and Costs Booklet

BT Managed Portfolios Proxy Voting Record

Panorama Financial Services Guide

1. There is no charge for accepting any rollovers, however before requesting the rollover, you should consider where your future employer contributions will be paid (if your employer contributions are currently being paid to another fund) and check with your other fund/s to determine whether there are any exit or withdrawal fees for moving your benefit, or other loss of benefits (eg insurance cover) noting that you may not receive the same type or level of benefits after the rollover.

The information on this webpage about BT Super Invest has been prepared by BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 (BTPS) and is current as at January 2019. The information provided is general in nature and 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. All examples and images are for illustrative purposes only. Your portfolio value and performance are likely to be different and will depend on the investment options you have selected and the time period over which you are invested in those options. Past performance is not a reliable indicator of future performance.

BTPS administers BT Super Invest. BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) is the trustee and issuer of BT Super Invest, which is part of Retirement Wrap ABN 39 827 542 991. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. 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 783 160 or by visiting You should obtain and consider the relevant PDS before deciding whether to acquire, continue to hold or dispose of interests in the Panorama products.

BTPS, BTFM and WFSL are subsidiaries of Westpac. Apart from any interest investors may have in Westpac term deposits or Westpac securities acquired through the Panorama products or underlying bank accounts held at Westpac through their Panorama super cash account, an investment in, or acquired using, the Panorama 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 Panorama products.

BT Protection Plans are issued by Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS), except for Term Life as Superannuation and Income Protection as Superannuation which are issued by BT Funds Management Limited ABN 63 002 916 458 (BTFM) as trustee of the Retirement Wrap ABN 39 827 542 991. WLIS and BTFM are subsidiaries of Westpac. Westpac does not guarantee the insurance.

© BT Portfolio Services Ltd 2019