Disclaimer:

Information current as at 18 September 2017. This publication has been prepared by Westpac Banking Corporation ABN 33 007 457 141 AFSL & Australian credit licence 233714 (Westpac).

BT Portfolio Services Ltd ABN 73 095 055 208 AFSL 233715 operates BT Invest. BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 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.

This information is general information only, it does not constitute any recommendation or advice; it has been prepared without taking 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. Any taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.

Superannuation is a long-term investment. The government has placed restrictions on when you can access your preserved benefits. The Government has set caps on the amount of money you can add to superannuation each year on a concessionally taxed basis. In addition, the government has set a non-concessional contributions cap. For more detail, speak with a financial adviser or visit the ATO website.

This newsletter may contain material provided by third parties derived from sources believed to be accurate at its issue date. While such material is published with necessary permission, no company in the Westpac Group accepts any responsibility for the accuracy or completeness of, or endorses any such material. Except where contrary to law, we intend by this notice to exclude liability for this material.

© 2017 BT Financial Group - a Division of Westpac. Information current as at 18 September 2017.

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