SMSF Insider

Troy Rabaud
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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. 3d ago

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

    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.

  2. 5d ago

    #070 - Labor Is Coming For Your Family Home and Ruining Your Retirement

    Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ In this new episode, Troy breaks down the proposal that could reshape retirement in Australia. For decades, the family home has been exempt from the age pension assets test. A new HECS‑style model would change that, forcing older Australians to use home equity to fund living costs. What you’ll learn:◼️ why the family home is no longer guaranteed protection ◼️ how this proposal could cut pension access for millions ◼️ why SMSF gives you control when government rules keep shifting Timestamps: 0:00:00 - Introduction 00:00:06 – Why The Family Home Was Always Untouchable 00:00:20 – The Proposal To Include Home Equity 00:00:40 – Why Relying On The Pension Is Now A Gamble 00:01:38 – The Disparity Between Homeowners And Renters 00:02:16 – The HECS‑Style Model Explained 00:03:11 – How Means Testing Punishes Ordinary Australians 00:03:32 – You Cannot Rely On The Age Pension 00:04:10 – Why Independent Wealth Is The Only Protection 00:04:44 – SMSF Gives You Control Over Your Retirement 00:05:28 – The Pension Shifting To A Safety Net 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.

  3. Jul 3

    #069 - Why Most People in Their 40s Have the Wrong Super Investment Option

    Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ In this new episode, Troy explains why most Australians in their 40s have their super invested wrong. Default balanced and growth options are designed for everyone, which means they’re quietly watering down your returns to protect older members. You’ll learn: ◼️ how default options force you to subsidise retirees ◼️ why defensive assets drag down long‑term growth ◼️ how SMSFs let you tailor investments to your timeline ◼️ why your 40s is the critical accumulation phase Timestamps: 0:00:00 - Introduction 00:01:03 - How Default Super Options Work 00:01:24 - The Problem with One-Size-Fits-All Super Funds 00:01:46 - Impact of Defensive Assets on Returns 00:02:07 - The Advantage of a Long Time Horizon 00:02:18 - Liquidity Management in Industry Funds 00:02:50 - The Drawbacks of Large-Cap Investments 00:03:11 - Benefits of a Self-Managed Super Fund (SMSF) 00:03:33 - Control Over Your Investment Strategy with SMSF 00:03:55 - High-Growth Assets for Your 40s 00:04:16 - Investing in Direct Property with SMSF 00:04:37 - The Critical Accumulation Phase in Your 40s 00:04:59 - How to Set Up an SMSF 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.

  4. Jun 25

    #068 - How To Stop Your Super Fund From Stealing Your Retirement

    Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ Most Australians have no idea what they actually pay in super fees because the real costs are buried in the fine print. In this episode, Troy breaks down the true cost of percentage‑based industry fund fees and why they quietly compound against you over decades. You’ll learn: ◼️ how investment fees and indirect costs are deducted before you ever see them ◼️ why a 1.5% fee can consume hundreds of thousands over your working life ◼️ when an SMSF becomes cost‑competitive and why fixed fees change everything ◼️ how fee structure alone can shape your retirement outcome Timestamps: 0:00:00 - Introduction 00:01:04 - Breakdown of Retail and Industry Fund Fees 00:02:08 - The Impact of Percentage-Based Fees 00:03:05 - The Long-Term Cost of Industry Funds 00:03:15 - Invitation to Book a Call 00:03:26 - Introduction to SMSFs 00:04:00 - Cost Structure of SMSFs 00:04:33 - When SMSFs Become Cost Competitive 00:05:14 - Comparing Costs: SMSF vs Industry Fund 00:05:27 - Considerations for SMSFs 00:06:00 - How to Learn More About SMSFs 00:06:11 - Conclusion and 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.

  5. Jun 11

    #067 - Can Your SMSF Actually Replace Your Family Trust?

    Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ The 2026 budget made family trusts significantly more expensive, with a 30% minimum tax that kills the bucket company strategy. In this episode, Troy breaks down whether an SMSF can actually replace a family trust, and why the smartest Australians are not choosing one structure, but using both differently. You’ll learn: ◼️ where the SMSF wins on tax, compounding, and long‑term wealth ◼️ why a trust still matters for access to money today ◼️ why an SMSF cannot run an active business ◼️ how high‑income earners are adapting their structures under the new rules Timestamps: 0:00:00 - Introduction 00:01:14 - Discretionary Trusts vs. SMSFs: Tax Comparison 00:02:08 - Government Exemptions for SMSFs 00:03:04 - Family Trusts: Immediate Income Distribution 00:03:46 - Adapting Strategy: Combining Trusts and SMSFs 00:04:08 - Maximizing Contributions to SMSFs 00:04:39 - Conclusion: SMSFs for Long-term Wealth 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.

  6. Jun 5

    #066 - SMSF’s Are Now The Most Powerful Tax Structure

    Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ In this episode, Troy explains how the 2026 budget dismantled personal investment strategies, removing the 50% CGT discount, restricting negative gearing, and imposing a 30% minimum tax on family trusts, while leaving SMSFs untouched. The result: SMSFs now hold a permanent tax advantage over every other structure. You’ll learn: ◼️ why SMSFs still keep their one‑third CGT discount ◼️ how the new trust tax kills the bucket company strategy ◼️ why concessional contributions and rollover relief are critical right now ◼️ how SMSFs remain the most tax‑effective structure under current law Timestamps: 0:00:00 - Introduction 00:00:10 - Budget Changes and Tax Hikes 00:00:31 - Legal Loophole for SMSFs 00:00:42 - Welcome to SMSF Insider 00:01:03 - Government Rewires Tax System 00:01:23 - CGT Discount Changes 00:01:46 - SMSF CGT Discount Advantage 00:02:08 - Discretionary Trusts Tax Changes 00:02:53 - SMSF as a Tax Haven 00:03:04 - Strategy 1: Maximise Concessional Contributions 00:03:25 - Strategy 2: Review Asset Location 00:03:48 - Government Rollover Relief 00:04:09 - Help for Busy Professionals 00:04:20 - Strategy 3: Act Now 00:04:43 - Changing Landscape of Investment Strategies 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.

  7. May 15

    #065 - The Budget Just Made SMSF’s the Most Powerful Tax Structure in Australia

    Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ In this episode, Troy breaks down how the removal of the 50% CGT discount, the restrictions on negative gearing, and the new 30% minimum tax on discretionary trusts have reshaped the entire investment landscape. While personal investors and family trusts are being hit with higher taxes, SMSFs have been left untouched, widening the gap between investing in your own name and investing through super. You’ll learn: ◼️ the new CGT rules and why SMSFs keep their one‑third discount ◼️ how negative gearing changes affect personal investors but not SMSFs ◼️ why discretionary trusts now face a 30% minimum tax ◼️ why SMSFs have become one of the most tax‑effective structures under current law Timestamps: 0:00:00 - Introduction 00:01:25 - Removal of the 50% Capital Gains Tax Discount 00:03:05 - Changes to Negative Gearing Rules 00:04:44 - Impact on Discretionary Trusts 00:06:09 - Summary of Major Tax Shifts 00:06:43 - Conclusion: The Case for SMSFs 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.

  8. May 11

    #064 - Why Your 40s is the Danger Zone for Super (And How to Fix It)

    Take control of your retirement savings today 👉 https://www.bcsmsf.com.au/contact-us/ In this new episode, Troy breaks down why your 40s are the most critical decade for compounding, and why leaving your money in a default balanced option can lock you into a mediocre retirement. This episode covers: ◼️ the ASFA benchmarks for where your balance should be in your 40s ◼️ why set‑and‑forget becomes a wealth killer in your peak earning years ◼️ how an SMSF lets you shift from defensive defaults to high‑growth strategies Timestamps: 0:00:00 - Introduction 00:01:25 - Reality Check: ASFA Benchmarks for Superannuation 00:02:22 - The Tipping Point: Capital for Compounding 00:02:54 - The Set and Forget Trap: Default Balanced Options 00:04:11 - Taking Control: The Power of SMSFs 00:05:06 - High Growth Opportunities: Investment Strategies 00:05:37 - Conclusion: Avoiding Passive Decisions in Your 40s 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.

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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
    69
  • Rating
    Clean
  • Copyright
    © Copyright 2026 Troy Rabaud
  • Show Website
    SMSF Insider

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