Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/

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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 residency rules every SMSF must meet to keep tax concessions

Timestamps:

00:00:00 Introduction

00:00:11 - Investing in Property via SMSF

00:00:22 - Residency Requirements for SMSF

00:00:39 - Welcome to SMSF Insider

00:00:49 - Host Introduction and Podcast Purpose

00:01:06 - Commentary on Tax Rates in Australia

00:01:22 - Taxation and Superannuation

00:01:55 - What is a Self-Managed Super Fund (SMSF)?

00:02:17 - Tax Benefits of Investing through SMSF

00:03:00 - Minimum Amount to Establish an SMSF

00:03:22 - Risks of Investing in Property via SMSF

00:03:45 - Importance of Asset Selection in SMSF

00:04:38 - Help for Busy Professionals with SMSF

00:05:02 - Detailed Residency Requirements for SMSF

00:06:23 - Success Story of a Young Investor

00:07:48 - Nominating Beneficiaries in Superannuation

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DISCLAIMER

This content is for educational and coaching purposes only. This is not personal financial or legal advice. SMSF rules are complex and individual circumstances vary significantly. Before making any investment or structural decisions, consult with a qualified financial advisor and SMSF accountant tailored to your specific situation. Improper SMSF management can result in significant penalties and loss of concessional tax treatment.

Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/

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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

◼️ Practical steps to avoid costly mistakes

Timestamps:

00:00:00 Introduction

00:01:14 - Explanation of the 5% In-House Asset Rule

00:01:58 - Definition of In-House Assets

00:02:29 - Examples of Breaching the 5% Rule

00:03:35 - Exception: Business Real Property

00:04:07 - How to Avoid Accidental Breaches

00:05:09 - Importance of Proper SMSF Structure

Follow Blue Chip SMSF:

https://www.instagram.com/bluechipsmsf/

https://www.bcsmsf.com.au

DISCLAIMER

This content is for educational and coaching purposes only. This is not personal financial or legal advice. SMSF rules are complex and individual circumstances vary significantly. Before making any investment or structural decisions, consult with a qualified financial advisor and SMSF accountant tailored to your specific situation. Improper SMSF management can result in significant penalties and loss of concessional tax treatment.

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 without affecting their cost‑of‑living.

They also unpack the role of education, the difference between Bitcoin and altcoins, and how long‑term compounding inside super can transform retirement outcomes. By the end, you’ll understand the practical steps, considerations, and conversations to have before setting up an SMSF, and how to think about long‑term wealth in a system that makes it harder than ever to get ahead.

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/

Follow us:

Instagram – https://www.instagram.com/bluechipsmsf/

Website – https://www.bcsmsf.com.au

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https://www.instagram.com/immatthewfraser/

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Please note: The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

Timestamps:

00:00:00 - Introduction

00:02:12 - Matthew's Journey to Bitcoin

00:04:42 - The Impact of Roadworks

00:06:40 - Finding Alternative Revenue Streams

00:07:49 - The Shift to Online Business

00:09:04 - Investing in Education

00:10:09 - The Rollercoaster of Product Launches

00:11:20 - The Breakthrough Product

00:13:56 - The Power of Social Media

00:15:18 - From Debt to Wealth

00:16:26 - Investing in Real Estate

00:17:46 - The Bitcoin Awakening

00:20:03 - Educating on Bitcoin

00:24:00 - Dollar Cost Averaging Strategy

00:29:03 - The Iceberg Analogy

00:30:37 - Rolling Over Super into SMSF

00:33:09 - Creating the Crypto Collective

00:39:14 - The Cost of Living Crisis

00:41:14 - The Case for Bitcoin in SMSF

00:43:23 - Potential Returns on Investment

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 covers the strategies that actually exist, from adjusting salary sacrifice before the transition, to using the carry‑forward rule, monitoring contributions in real time, and leveraging the visibility an SMSF provides. By the end, you’ll know exactly what conversations to have with your advisor, and what steps to take, to protect your retirement savings from this hidden trap.

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/

Follow us:

Instagram – https://www.instagram.com/bluechipsmsf/

Website – https://www.bcsmsf.com.au

Please note: The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

Timestamps:

00:00:00 - Introduction

00:00:11 - Understanding the Changes in Superannuation Laws

00:00:31 - What is Payday Super?

00:01:14 - The Concessional Contributions Cap Explained

00:02:27 - How the Payday Super Trap Works

00:03:50 - Who is Affected by the Trap?

00:04:33 - Strategies to Navigate the Trap

00:05:57 - Advantages of Having an SMSF

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, Troy breaks down exactly what ASIC found, why this matters for your retirement, and how conflicted advice can quietly cost people hundreds of thousands of dollars over time. He explains why this was a targeted risk-based review, what “best interest duty” actually means in practice, and how to spot red flags before you act on SMSF advice.

This is not about fear. It is about understanding how to protect yourself, what questions to ask your advisor, and how to make sure the advice you receive is genuinely in your best interest.

Follow us: Instagram – https://www.instagram.com/bluechipsmsf/

Website – https://www.bcsmsf.com.au

Please note: The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

Timestamps:

00:00:00 - 00:00:00: Introduction

00:00:45 Why this report changes everything

00:01:08 Important context about ASIC’s targeted review

00:01:55 What ASIC actually found in the advice files

00:02:44 How conflicted advice really works

00:03:56 Questions to ask before following SMSF advice

00:04:48 Should your advisor use the same strategy themselves

00:06:07 Why fees do not equal better outcomes

00:07:29 How to check your advisor on the ASIC register

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 over your old super, building your investment strategy, and staying compliant year after year.

He also covers the stuff that trips people up after setup like keeping insurance in your old fund until you’re sure what you’re doing, separating personal and SMSF money, sticking to the sole purpose test, and understanding the ongoing obligations like annual audits and tax returns.

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/

Follow us:

Instagram – https://www.instagram.com/bluechipsmsf/

Website – https://www.bcsmsf.com.au

Please note: The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

Timestamps:

00:00:00 - 00:00:00: Introduction

00:01:00 SMSF in 2026 the complete setup guide overview

00:01:18 The ATO balance guideline and why it matters for costs

00:02:39 The real reasons people set up an SMSF property crypto pooling super

00:03:48 Step 1 choosing your provider and why DIY is risky

00:04:49 Registering with the ATO ABN TFN and regulated status

00:05:13 Trust deed trustees and bank account setup

00:06:18 Rollover process and the insurance trap with closing old super

00:08:45 Ongoing obligations contributions rules and common mistakes

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 information is changing behaviour, and why more Australians want control instead of hope when it comes to retirement. Troy also makes it clear SMSFs aren’t for everyone and walks through the responsibilities, balance considerations, and compliance risks that people need to understand before making a move.

General information only, not financial advice. Always speak with a licensed advisor about your personal circumstances.

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/

Follow us:

Instagram – https://www.instagram.com/bluechipsmsf/

Website – https://www.bcsmsf.com.au

Please note: The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

Timestamps:

00:00:00 - 00:00:00: Introduction

00:01:03 - The 42,000 Aussies who fired their super fund last year

00:01:54 - The great unbundling of superannuation

00:03:58 - Foxtel vs Netflix analogy for industry funds vs SMSFs

00:04:40 - Three forces driving the trend trust, information, control

00:05:44 - Who’s setting up SMSFs in 2025

00:06:19 - Are SMSFs right for everyone balance, engagement, obligations

00:07:54 - Control vs hope and what it really means

00:10:02 - Compliance risks and why correct setup matters

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 obsession with process, compliance and client experience has helped turn a complex, overwhelming SMSF setup into a smooth, guided journey for busy professionals.

They dive into the real stories you never hear about: binding death nominations that override a will, tracking down beneficiaries to make sure money lands where it should, dealing with stubborn industry funds, and why Blue Chip fronts the setup cost and only gets paid when the rollover lands. If you want to understand what a truly client focused SMSF provider looks like, this conversation lifts the hood.

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/

Follow us:

Instagram – https://www.instagram.com/bluechipsmsf/

Website – https://www.bcsmsf.com.au

Please note: The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

Timestamps:

00:00:00 - 00:00:00: Introduction

00:01:15 - Meet Jefferson and his journey from Brazil banking to Blue Chip COO

00:04:46 - How early money lessons sparked a passion for finance and investing

00:07:09 - Falling in love with SMSFs and the freedom to invest in almost anything

00:09:51 - Turning a complex SMSF setup into a streamlined, client friendly process

00:19:19 - The small process tweaks that transformed client experience

00:31:11 - Binding death nominations, wills and a real life beneficiary rescue story

00:36:11 - What makes Blue Chip different no upfront fees, speed and alignment

00:38:55 - Troy and Jefferson on culture, mission and the next chapter for SMSF Insider

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 contributions were tiny for most of their working lives. He then unpacks Division 293 tax for high-income earners, how it works, and what it means if you’re earning over $250k.

Troy also reacts to content creators talking about doubling super with crypto via an SMSF, property strategies using bare trusts, and the “cheapest tax rate in Australia” angle inside super. He explains where the strategies are sound, where people are just lucky with timing, and why you still need proper guidance to set things up correctly.

Finally, he touches on the new payday super rules starting 1 July 2026 and a wild long-term play: setting up super for kids around age 10 and letting compounding do its thing for 50+ years.

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/

Follow us:

Instagram – https://www.instagram.com/bluechipsmsf/

Website – https://www.bcsmsf.com.au

Please note: The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

Timestamps:

00:00:00 - 00:00:00: Introduction

00:01:48 Why older Aussies have low super

00:03:56 How investment mix and risk profile change your super outcome

00:04:19 Division 293 tax explained for people earning over $250k

00:05:07 Reacting to “I doubled my super with crypto” using an SMSF

00:06:45 Jack’s Flamingo SMSF, property, and using the tax rules wisely

00:08:46 Buying property in your super

00:09:39 New payday super rules from 1 July 2026

00:10:34 Super for kids at age 10 and the power of 50 years of compounding

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 leverage on crypto is actually a blessing in disguise.

Simon shares his own story of setting up an SMSF to buy Bitcoin, what he’s learned about diversification and volatility over more than a decade in the space, and how the narrative around Bitcoin has evolved from peer-to-peer cash to a serious store of value and portfolio diversifier.

You’ll also hear how Coinstash and Blue Chip work together to keep SMSF trustees compliant, why “cheap DIY setups” can cost you much more in the long run, and what guardrails good providers should have in place to protect you from simple but costly mistakes.

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/

Follow us:

Instagram – https://www.instagram.com/bluechipsmsf/

Website – https://www.bcsmsf.com.au

Please note: The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.

Timestamps:

00:00:00 - 00:00:00: Introduction

00:01:25 - How Coinstash is built for Australian SMSF investors

00:05:26 - Explosive growth in SMSF crypto demand

00:10:46 - Terra Luna’s 20 percent yield

00:16:23 - Volatility as a feature how Simon thinks about 70 percent drawdowns in a portfolio

00:25:55 - Why SMSFs can’t use leverage on crypto

00:29:57 - Bitcoin’s evolution over a decade

00:46:08 - Why Simon sends clients to Blue Chip