SMSF Insider

Welcome to SMSF Insider — the podcast that takes you inside the world of self-managed super funds, brought to you by Troy Rabaud, leading SMSF strategist and founder of Blue Chip SMSF. Whether you're navigating setup, compliance, or investment strategies, this show is your trusted resource for building wealth through crypto, property, and shares all within the powerful SMSF structure. Backed by years of experience helping Australians through Blue Chip SMSF, Troy delivers practical insights, demystifies complex processes, and helps you avoid the common traps that derail most SMSF journeys. Each episode unpacks the essential steps to take control of your super with clear, jargon-free advice, real-world examples, and proven strategies tailored to your goals. If you're a financial professional, investor, or someone ready to take charge of your financial future, SMSF Insider gives you the edge straight from the source. Follow now and start making smarter decisions with your SMSF.

SMSF Insider is a business podcast hosted by Unknown Host, with 73 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts SMSF Insider, a business show with 73 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #74

  #075 - SMSF Residential Lending Is Gone. What’s the Next Move?

  Sep 7, 20267 min

  Take control of your retirement savings today https://www.bcsmsf.com.au/contact-us/ In this new episode, Troy explains what actually changed on 10 August 2026, when new SMSF loans were restricted to business real property, not residential property, and why many Australians still misunderstand the rule. LRBAs weren’t banned; the asset test changed. What you’ll learn ◼️ What the new rule stops ◼️ What’s still allowed under transitional rules ◼️ Your options now that residential borrowing has changed Timestamps: 00:00:00 - Introduction 00:01:14 - Clarifying Limited Recourse Borrowing Arrangements (LRBAs) 00:02:07 - Impact on Existing LRBAs and Contracts 00:02:49 - Avoiding Fear of Missing Out and Bad Investments 00:03:32 - Options for SMSF Property Investments 00:03:53 - Buying Residential Property with Cash 00:04:15 - Financing Business Real Property with LRBAs 00:05:08 - Importance of Property Use in LRBAs 00:05:29 - Diversifying Beyond Property Investments 00:06:01 - Tailoring Investment Strategy to Retirement Goals 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.

  ListenShow Notes
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  Episode #73

  #074 - Why Your SMSF Accountant Is Suddenly Asking So Many Questions (The New 2026 Rules)

  Aug 20, 20267 min

  Take control of your retirement savings today https://www.bcsmsf.com.au/contact-us/ In this new episode, Troy explains why accountants are suddenly asking more questions during SMSF setups, and how the 2026 AML rules now apply to them. You’ll hear: ◼️ Why accountants must verify you ◼️ What triggers extra questions ◼️ How to make setup smoother Timestamps: 00:00:00 - Introduction 00:01:37 - Banking‑Style Compliance Explained 00:02:14 - Why Firms Need More Information 00:03:06 - What “High Risk” Actually Means 00:03:45 - Why More Questions Don’t Mean Suspicion 00:04:05 - Why Some Setups Need Extra Checks 00:04:25 - Why Firms Ask for More Documents 00:05:06 - Common Causes of Delays 00:05:27 - What Firms Commonly Request 00:05:53 - What Firms Can Explain 00:06:04 - The Reality of SMSF Setup in 2026 00:06:22 - Why More Red Tape Exists 00:06:36 - How to Prepare for Setup 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.

  ListenShow Notes
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  Episode #72

  #073 - If You’ve Been Thinking About Getting an SMSF, Watch This

  Jul 27, 20267 min

  Take control of your retirement savings today https://www.bcsmsf.com.au/contact-us/ If you’ve been considering an SMSF but haven’t taken action, this episode gives you the three questions that actually matter, and what the current landscape means for anyone starting fresh. Troy breaks down the real decision points, the 2026 tax changes, and why SMSFs remain one of the strongest structures for long‑term wealth. What you’ll learn: ◼️ the three questions that determine whether an SMSF is right for you ◼️ how recent tax changes widened the gap between super and personal investing ◼️ what the residential borrowing ban really means for new SMSFs Timestamps: 00:00:00 - Introduction 00:00:24 Why People Sit on the Fence 00:01:01 The Mistake Most People Make 00:01:48 Question 1: Do You Have Enough in Super? 00:02:22 Question 2: Do You Want Investment Control? 00:03:16 Question 3: Is Now a Good Time to Act? 00:03:30 2026 Tax Changes Explained 00:04:11 Payday Super and Faster Compounding 00:04:54 Residential Borrowing Ban Context 00:05:20 What’s Still Allowed Inside an SMSF 00:05:37 Signals It Might Be Time to Act 00:06:02 The Real Mistake People Make 00:06:16 Final Call to Action 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.

  ListenShow Notes
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  Episode #71

  #072 - Superannuation Just Changed For Every Australian

  Jul 21, 20266 min

  Take control of your retirement savings today https://www.bcsmsf.com.au/contact-us/ In this new episode, Troy breaks down one of the biggest superannuation changes in decades, payday super. From 1 July 2026, employers must pay super with every single payslip, not quarterly. It’s a major win for employees and SMSF members, and a major compliance shift for business owners. What you’ll learn: ◼️ how payday super boosts long‑term compounding ◼️ why SMSF members benefit even more from faster contributions ◼️ what business owners must update to stay compliant Timestamps: 0:00:00 - Introduction 00:00:04 – Super Must Be Paid Every Payslip 00:00:16 – Why Payday Super Is A Win For Employees 00:00:21 – New Penalties For Business Owners 00:00:37 – What Payday Super Actually Means 00:01:13 – Old Quarterly System Explained 00:01:28 – Quarterly Contributions Removed 00:01:31 – Seven‑Day Payment Requirement 00:01:55 – Compounding Boost From Frequent Contributions 00:02:25 – Why SMSF Members Benefit Even More 00:02:49 – Stricter Compliance Obligations 00:03:09 – Super Guarantee Charge Explained 00:03:21 – ATO Penalties For Late Payments 00:03:44 – ATO Real‑Time Visibility 00:04:12 – Key Requirements For Business Owners 00:04:18 – Payroll System Updates 00:04:32 – Clearinghouse Timing Risks 00:04:55 – Record‑Keeping Obligations 00:05:14 – Why Payday Super Improves Retirement Outcomes 00:05:23 – Super Is Now A Payroll Obligation 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.

  ListenShow Notes
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  Episode #70

  #071 - SMSF Property Is Not Dead (Here's What Changed)

  Jul 17, 20266 min

  Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ In this new episode, Troy breaks down the legislation that now bans SMSFs from borrowing to buy residential property, a deal struck between the Government and the Greens that takes effect on 10 August 2026 . Most people don’t realise there are major exceptions, and if property is part of your SMSF strategy, you need to understand exactly what still is and isn’t allowed. What you’ll learn: ◼️ what the residential borrowing ban actually covers ◼️ which SMSF property strategies remain fully intact ◼️ how to navigate the new rules without derailing your plan Timestamps: 0:00:00 - Introduction 00:00:06 – Ban On Borrowing For Residential Property 0 0:01:17 – LRBA Ban Explained 00:01:31 – Ban Effective 10 August 2026 00:02:02 – Existing Loans Are Safe 00:02:31 – 45‑Day Transitional Window 00:02:57 – Residential Property Not Dead For SMSFs 00:03:08 – You Can Still Buy Residential Property Outright 00:03:31 – Commercial Property Borrowing Still Allowed 00:04:39 – What You Should Do Now 00:04:58 – Pivoting Your Strategy 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.

  ListenShow Notes

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