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/

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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