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/

Most Australians assume their superannuation will pass to their children tax‑free. The reality is very different. The super death tax can strip up to 32% of your super balance if it goes to adult, financially independent children, meaning hundreds of thousands of dollars lost to the ATO.

In this episode, Troy breaks down:

◼️ What the super death tax is and who it affects

◼️ How much your kids could lose if you don’t plan ahead

◼️ The strategies professionals use to legally minimise or avoid this tax

◼️ Why SMSFs give you more control over estate planning and death benefit nominations

Timestamps:

00:00:00 Introduction

00:01:03 - Understanding the Super Death Tax

00:02:29 - Withdrawal and Re-contribution Strategy

00:03:21 - Withdrawing Super Before Passing

00:04:03 - Importance of Binding Death Nominations

00:04:55 - Control and Flexibility with SMSFs

00:05:16 - Planning to Minimize Super Death Tax

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.

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 are driving Gen X and millennial adoption

◼️ What this demographic change means for the future of retirement in Australia

Timestamps:

00:00:00 Introduction

00:00:14 - Why 86 Percent of New SMSFs Are Gen X and Millennials

00:01:02 - What’s Driving Younger Australians Toward SMSFs

00:02:11 - How Flexibility and Control Influence SMSF Adoption

00:03:08 - What This Shift Means for the Future of Retirement

00:04:22 - Important Reminder About Personal Financial Advice

00:05:10 - How Blue Chip SMSF Helps New Trustees Get Set Up

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.

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 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

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.

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

◼️ 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

Follow Matthew Fraser:

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

https://www.tiktok.com/@immatthewfraser

https://www.facebook.com/immatthewfraser/

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...

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

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