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    BT Academy

    Strategies & technical resources

    Read articles designed to help inform your advice strategies including regulatory updates and helpful information from our BT Technical Team on some of the more technical aspects of superannuation, retirement and investment rules.

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    Super & SMSF

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    Retirement

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    Insurance

    Superannuation & SMSF

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    COVID-19 04 Sep 2020

    Temporary early access to super due to COVID-19

    As a result of COVID-19, eligible people may be able to access super early. Here is a look at who and where it may help and things to consider.
    Technical resource
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    SMSF 01 Jul 2020

    SMSF borrowing

    SMSFs are generally prohibited from borrowing, with some very limited exceptions.
    Technical resource
    Superannuation 01 Jul 2020

    Removal of 10% test to make personal deductible contributions

    Originally restricted to those who were at least substantially self-employed, personal deductible contributions can now be used more widely.
    Technical resource
    Superannuation 01 Jul 2020

    Concessional contribution rules

    Concessional contributions are contributions where a tax deduction has been claimed. A general cap applies but some may be able to use carry forward amounts.
    Technical resource

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    Superannuation 01 Jul 2020

    Comparison: Transfer balance cap versus total super balance

    The transfer balance cap and total super balance are different concepts. Differences include their purpose, how they are measured and when to apply them.
    Technical resource
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    Retirement

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    Support 08 Jul 2020

    Guide to employment termination payments

    This guide covers the tax implications and other considerations for employment termination payments and strategies that can be used to assist your clients
    Technical resource
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    Retirement 01 Jul 2020

    Your guide to means testing

    An outline of what is assessed in the assets test and income test. All assets that the client has are assessable under the assets test.
    Technical resource
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    Superannuation 01 Jul 2020

    Superannuation death benefits

    Super death benefits are subject to the transfer balance cap rules where a death benefit income stream is paid. Child pensions also have special rules.
    Technical resource
    Aged care 01 Jul 2020

    Your guide to aged care

    This guide covers a range of topics that you should consider when discussing aged care plans with your clients, including eligibility for government subsidised aged care, home care packages, the aged care means test and more.
    Technical resource
    Aged care 01 Jul 2020

    Understanding home care package fees

    The government subsidises Home Care Packages for those who are eligible. Two types of fees may be payable depending on the package and level of income.
    Technical resource
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    Investing

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    Investing 04 Aug 2020

    How to talk about ESG investing to your clients

    Sustainable investing has been around for a while. It isn’t a new way of investing, but it is a new way of seeing investments for many investors and financial advisers.
    Article
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    Capital gains tax 01 Jul 2020

    Removal of main residence CGT exemption for non-residents

    Understanding the removal of the main residence CGT exemption for non-residents of Australia for tax purposes. Learn more at BT Academy.
    Technical resource
    Managing finances 01 Jul 2020

    Debt management strategies

    There are a number of debt management strategies that can be implemented to accelerate wealth accumulation involving cash flow, repayment and consolidation.
    Technical resource
    Super Strategies 01 Jul 2020

    Focusing on super, instead of mortgage repayments

    This strategy can boost retirement savings, reduce overall tax liability, and also assist in reducing debt at retirement. However there are traps to consider
    Technical resource

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    Investing 02 Jun 2020

    Model Portfolios for efficiency

    Almost a third of an Australian financial planner’s time is spend on compliance and administration, compared to a global average of less than 20% highlighting the need for advisers to find more efficient ways of operating.
    Article
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    Insurance

    Adviser reading
    Investing 20 Aug 2020

    Self-funding mechanisms for income protection

    The countdown is on for new income protection changes: Discover how they could affect you.
    Article
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    Insurance 04 Aug 2020

    Protection for Specialised Roles

    Make sure your clients have the right level of protection for their type of work and explore our selection of insurance strategies. Find out more with BT Professional.
    Article
    Business insurance 04 Aug 2020

    Protection for business owners

    Insurance to cover the absence of a key person may assist in keeping the business running, by replacing lost revenue, repaying debts and/or finding a replacement.
    Article
    Small business 12 Mar 2020

    The use of insurance for business succession planning

    This article explains what is meant by a buy/sell agreement and how it works, as well how insurance can help businesses meet the requirements set out in a buy/sell agreement.
    Article
    Life insurance 12 Mar 2020

    Cancer assistance beyond the claim payout

    A cancer diagnosis is never good news but efforts to increase support beyond a claims payout are leading to better outcomes for consumers and insurers.
    Article
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