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

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

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

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

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

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

In this episode of SMSF Insider, Troy breaks down two of the trickiest super structures people come across when they’re thinking about starting an SMSF: defined benefit funds and deferred benefit funds. He explains how defined benefit funds work (and why they’re so valuable), what a deferred benefit fund actually is, and the huge tax bill that can hit if you roll out of a deferred benefit fund without understanding the rules.

Troy also walks through when it might still make sense to roll into an SMSF, why public sector workers need to be especially careful, and whether you should keep your existing super fund open for insurance even after you set up an SMSF.

If you’ve ever worked in the public sector or think you might have one of these older-style funds, this episode is a must-listen before you move a cent.

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

00:00:52 - Different types of funds and key risks

00:01:04 What is a defined benefit fund?

00:02:11 What is a deferred benefit fund?

00:04:16 Who typically has these funds?

00:06:02 Why closing your old fund can leave you uninsurable

00:07:51 Don’t roll out until you’ve had your situation checked

In this episode of SMSF Insider, Troy sits down with Tara, Blue Chip’s number one customer service rep, to walk through what it actually looks like to set up an SMSF with Blue Chip, from the first phone call to the funds landing in the account and beyond.

They cover the realistic minimum balance to start an SMSF, how the $199/month flat fee works (no matter whether you have $200k or $2 million, or 1–6 members), and why so many clients are surprised by how easy and fast the whole process is when they’re guided properly.

If you’re sitting on the fence about starting an SMSF, this episode shows you what the journey looks like from the client’s side and why having a real person guiding you makes all the difference.

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

00:01:12 - Introducing Tara

00:02:04 - Common question

00:03:10 - What Tara actually does

00:03:55 - Why clients are often shocked at how easy and fast the process feels

00:04:40 - How important client confidence is

00:05:47 - The relationship built over 2–4 weeks during setup

00:07:08 - Clients biggest fears and how to handle it

00:08:20 - Tara’s advice for people “on the fence”

00:09:02 - Ideal SMSF balance and cost-effectiveness

00:10:21 - Explaining the $199/month fee

00:14:28 - Timeline and bottlenecks

00:22:20 - DIY horror stories and final advice