SMSF Insider

Troy Rabaud

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.

  1. 2D AGO

    #041 - Australia's Tax Prison (This Is Your ONLY Way Out)

    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...

    54 min

  2. 12/23/2025

    #040 - Expert Explains How To Beat New Super Laws Legally

    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

    7 min

  3. 12/17/2025

    #037 - How to setup your SMSF in 2026 (Complete Guide)

    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

    13 min

  4. 12/12/2025

    #036 - Why 42,000 Australians Fired Their Super Fund Last Year

    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

    13 min

  5. 12/10/2025

    #035 - They’ve setup over 1,300 SMSF’s (What You Need To Know)

    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

    41 min

  6. 12/05/2025

    #034 - SMSF Expert Reacts To Industry Influencers

    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

    13 min

  7. 12/03/2025

    #033 - Buying Bitcoin In Your SMSF? Here's What You Need To Know

    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

    55 min

  8. 12/01/2025

    #032 - The Truth About SMSF Property Investing No One Tells You

    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 from builders and developers can save clients tens of thousands of dollars. You’ll also hear why slow SMSF setup times cost investors huge opportunities — and how speed, structure, and a streamlined team can make or break a deal in today’s low-supply, high-demand market. If you’re thinking about using your SMSF to invest in property, this episode shows you exactly what the process should look like, the traps to avoid, and the type of team you need in your corner. 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 00:00:08 - Why long-term planning (5–15 years) matters 00:01:09 - High demand and extremely low supply 00:02:06 - Using relationships to get allocations 00:03:35 - Time is of the essence 00:04:11 - Competing with 2–4 buyers for each asset 00:05:11 - Experience of working with Blue Chip 00:06:14 - Why it takes time to trust a team 00:07:06 - Why good communication matters 00:08:15 - Why the right team makes the process simple 00:09:01 - Final advice

    9 min
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About

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.

Information

  • Creator
    Troy Rabaud
  • Years Active
    2025 - 2026
  • Episodes
    39
  • Rating
    Clean
  • Copyright
    © Copyright 2026 Troy Rabaud
  • Show Website
    SMSF Insider

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