SMSF Insider

Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ 🔗 TAKE ACTION: Book your free SMSF consultation call: https://www.bcsmsf.com.au/contact-us/ In this new episode we look at why younger Australians are driving the fastest shift towards SMSFs we’ve ever seen. It covers: ◼️ Why younger Australians are rapidly shifting towards SMSFs ◼️ How flexibility and control...

Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ 🔗 TAKE ACTION: Book your free SMSF consultation call: https://www.bcsmsf.com.au/contact-us/ The SMSF Rules Most Aussies Get Wrong (And Why It Matters) ◼️ Why so many Australians misunderstand how SMSF tax actually works ◼️ Why property inside an SMSF fails when the asset selection is wrong ◼️ The strict residen...

Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ 🔗 TAKE ACTION: Book your free SMSF consultation call: https://www.bcsmsf.com.au/contact-us/ The 5% rule…and why it costs SMSF trustees thousands. ◼️ What the 5% in-house asset rule actually is (and why it exists) ◼️ Common breaches ◼️ The major exception ◼️ How to structure properly and stay compliant ◼️ Practi...

In this episode, Troy and Matthew break down why so many Australians are struggling to retire, how rising costs and a broken super system are trapping people financially, and why Matthew believes taking control through an SMSF is becoming essential. He shares his journey from financial collapse to rebuilding wealth, and why super is often the only pool of money everyday Aussies can actually invest...

In this episode, Troy explains how the July 2026 superannuation law changes could cause you to accidentally breach your concessional contributions cap and trigger a surprise tax bill. He breaks down the mechanics of the Payday Super Trap, why 15 months of contributions can fall into a single financial year, and how this impacts high earners and professionals with multiple employers. Troy also cove...

In this episode, Troy walks through the complete 2026 setup guide for a self-managed super fund, but in a way that actually helps you avoid the classic mistakes people make when they rush it or try to DIY. You’ll hear the three questions to ask before you do anything, why the ATO guideline balance matters for cost effectiveness, and the exact setup steps from choosing a provider through to rolling...

A perfect storm is hitting Australian super, and it’s driving a $1 trillion shift toward SMSFs. In this episode, Troy breaks down why nearly 42,000 Australians fired their super fund last year, who’s actually making the switch in 2025, and why this momentum is accelerating. You’ll hear the “great unbundling” explained in plain English, why trust in institutions is dropping, how access to informati...

In this episode of SMSF Insider, Troy sits down with Jefferson, COO of Blue Chip, to unpack what it really takes to build Australia’s most efficient SMSF engine behind the scenes. Jefferson shares his journey from banking in Brazil to leading operations at Blue Chip, and why he believes SMSFs are the most powerful trust structure in Australia for building long term wealth. He explains how his obse...

In this episode of SMSF Insider, Troy reacts to a stack of viral super and SMSF clips and breaks down what’s actually true, what’s missing, and how it all fits into your long-term retirement plan. He starts with the headline-grabbing chart on median super balances by age and explains why older Aussies are entering retirement with such low balances, given super only started in 1992 and contribution...

In this episode of SMSF Insider, Troy sits down with Simon, CFO and Head of SMSF Strategy at Coinstash, to unpack what it really means to put crypto inside a self-managed super fund. They cover why “if it sounds too good to be true, it probably is” applies so brutally to crypto yields, how to think about 50–70% drawdowns without blowing up your retirement, and why SMSFs being unable to use leverag...

In this episode of SMSF Insider, Troy sits down with Alex, an experienced property strategist to unpack how smart investors use the right team, the right lending strategy, and off-market buying opportunities to build wealth inside an SMSF. They cover how to reverse-engineer a long-term investment plan, why working with specialist SMSF brokers changes everything, and how sourcing property directly...

In this episode of SMSF Insider, Troy breaks down two of the trickiest super structures people come across when they’re thinking about starting an SMSF: defined benefit funds and deferred benefit funds. He explains how defined benefit funds work (and why they’re so valuable), what a deferred benefit fund actually is, and the huge tax bill that can hit if you roll out of a deferred benefit fund wit...

In this episode of SMSF Insider, Troy sits down with Tara, Blue Chip’s number one customer service rep, to walk through what it actually looks like to set up an SMSF with Blue Chip, from the first phone call to the funds landing in the account and beyond. They cover the realistic minimum balance to start an SMSF, how the $199/month flat fee works (no matter whether you have $200k or $2 million, or...

In this episode of SMSF Insider, Troy breaks down the most common SMSF terms you’ll come across when setting up or managing your fund. If you’ve ever felt overwhelmed by jargon like trustee, LRBA, bare trust, preservation age, or concessional contributions, this episode clears everything up in plain English. Troy explains what each term means, how it affects your fund, and when you might encounter...

In this episode of SMSF Insider , host Troy , founder of Blue Chip SMSF Services , tackles the most common myths about self-managed super funds (SMSFs) and what you really need to know before setting one up. From rolling over the wrong kind of super fund to misunderstanding how deeds, property rules, and tax benefits work, Troy breaks down the biggest misconceptions that often cost Australians tim...

In this episode of SMSF Insider, host Troy welcomes Alex from Piermont Advisory to discuss the growing trend of Australians purchasing property through self-managed super funds (SMSF). Troy highlights the common lack of awareness among individuals regarding their investment options and the complexities of SMSFs. Alex shares insights on why property is becoming a preferred choice for Australians lo...

In this episode of SMSF Insider, host Troy, founder of Blue Chip SMSF Services, dives into the importance of taking control of your superannuation early in life. He reflects on his own journey and explains how paying attention to your super at just 20 years old can potentially lead to significant wealth over time. Troy also breaks down the key differences between self-managed super funds (SMSFs) a...

In this episode of SMSF Insider, host Troy, founder of Blue Chip SMSF Services, discusses the recent reversal of the unrealized capital gains tax announced by Jim Chalmers. Initially, super funds with assets exceeding $3 million were set to be taxed on amounts over that threshold regardless of whether the assets had been sold. However, due to significant backlash against taxing retirees on unsold...

In this episode of SMSF Insider, host Troy, founder of Blue Chip SMSF Services, delves into the differences between purchasing property in your personal name versus purchasing through a trust. Troy highlights the ease of lending and the taxation benefits associated with buying property personally, particularly for investment properties that generate rental income. He also discusses the negative ge...

In this episode of SMSF Insider, host Troy discusses common breaches that can occur with self-managed super funds (SMSFs) and how to navigate them. He highlights significant issues such as allowing related parties to live in purchased properties, which violates investment rules, and the serious penalties that can arise, including potential loss of fund value and higher tax rates. Troy also covers...

In this episode of SMSF Insider, host Troy, founder of Blue Chip SMSF Services, breaks down one of the most common questions people have when setting up a self-managed super fund, how long does it actually take? Troy shares how his team achieved their fastest setup ever in just 7 days, and what really causes delays for most Australians (hint: it’s usually paperwork and waiting on the ATO). He expl...

In this episode of SMSF Insider, host Troy, founder of Blue Chip SMSF Services, delves into the key differences between self-managed super funds (SMSFs) and trusts. He explains that SMSFs are primarily designed for retirement purposes, with strict access conditions that require individuals to reach preservation age or meet specific criteria such as retirement, total and permanent disablement, or f...

In this episode of SMSF Insider, host Troy, founder of Blue Chip SMSF Services, delves into the age-old debate of property versus shares as investment options. He discusses the ease of liquidity with shares, highlighting how quickly they can be sold and the potential for dividends. In contrast, he examines the income generated from property through rent and the implications of taking on debt to in...

In this episode of SMSF Insider, host Troy, founder of Blue Chip SMSF Services, addresses a listener's question about purchasing cryptocurrency through a self-managed super fund (SMSF). He explains that it is permissible to buy crypto with an SMSF as long as the account is set up in the SMSF's name. The discussion also touches on broader economic issues, including the unexpected increase in immigr...

Ready to finally take control of your take control of your retirement savings and stop leaving your future in someone else’s hands? Book your free call with our team today to find out more: https://www.bcsmsf.com.au/contact-us/ In this episode of SMSF Insider, host Troy, founder of Blue Chip SMSF Services, discusses the advantages of buying property within a self-managed super fund (SMSF). He high...