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 education podcast hosted by Troy Rabaud, with 71 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.

Troy Rabaud hosts SMSF Insider, a education show with 71 episodes published.

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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.

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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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  Episode #69

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

  Jul 15, 20266 min

  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.

  ListenShow Notes
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  Episode #68

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

  Jul 3, 20265 min

  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.

  ListenShow Notes

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