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.
#076 - Australians Won’t Have Enough to Retire (The Brutal Maths)
Take control of your retirement savings today 👉 (https://www.bcsmsf.com.au/contact-us/)https://www.bcsmsf.com.au/contact-us/ (https://www.bcsmsf.com.au/contact-us/)
In this new episode, Troy breaks down the gap between the retirement Australians expect and the retirement their current super balance may actually fund. With the average Australian in their 40s holding far less than commonly quoted retirement benchmarks, the numbers tell a tougher story than most people realise.
What You'll Learn
◼️ Why compulsory super alone may not be enough for the retirement you want
◼️ The three key levers that can improve your retirement outcome
◼️ Where an SMSF fits into the bigger retirement picture
Timestamps:
00:00:00 - Introduction
00:00:28 - The Growing Gap Between Expectations and Reality
00:01:08 - Why Compulsory Super Isn't a Retirement Plan
00:02:01 - What a Comfortable Retirement Actually Costs
00:02:55 - The Reality of Average Super Balances
00:03:45 - Lever 1: Contributions
00:04:27 - Lever 2: Investment Mix
00:05:08 - Lever 3: Costs and Fees
00:05:35 - Where an SMSF Fits In
00:06:25 - The Biggest Retirement Mistake Australians Make
Follow Blue Chip SMSF:
https://www.instagram.com/bluechipsmsf/ (https://www.instagram.com/bluechipsmsf/)
https://www.bcsmsf.com.au (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 Sept 2026
#075 - SMSF Residential Lending Is Gone. What’s the Next Move?
Take control of your retirement savings today 👉 (https://www.bcsmsf.com.au/contact-us/)https://www.bcsmsf.com.au/contact-us/ (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.instagram.com/bluechipsmsf/)
https://www.bcsmsf.com.au (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.
20 Aug 2026
#074 - Why Your SMSF Accountant Is Suddenly Asking So Many Questions (The New 2026 Rules)
Take control of your retirement savings today 👉 (https://www.bcsmsf.com.au/contact-us/)https://www.bcsmsf.com.au/contact-us/ (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.instagram.com/bluechipsmsf/)
https://www.bcsmsf.com.au (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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