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    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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    Superannuation & SMSF

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    Superannuation 23 Aug 2021

    Superannuation changes from 1 July 2021

    A raft of changes to superannuation rates, caps and thresholds have come into effect from 1 July 2021 impacting advice you provide to your clients.
    Technical resource
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    Superannuation 01 Jul 2021

    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 2021

    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
    Superannuation 01 Jul 2021

    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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    Superannuation 01 Jul 2021

    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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    Aged care 20 Sep 2021

    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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    Aged care 20 Sep 2021

    Payment for a parent's residential aged care accommodation costs

    Residential aged care can be expensive, but before clients pay the accommodation costs for a parent they need to be aware of the impact on other fees.
    Technical resource
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    Aged care 20 Sep 2021

    Residential aged care fees and charges

    There are various fees aged care homes charge residents, including a basic daily care fee, accommodation cost, health care fee and an extra service fee.
    Technical resource
    Technical resource 20 Sep 2021

    Granny flat arrangements within the context of the gifting rules

    There are special rules for granny flat arrangements that may prevent the deprivation rules from applying. However they must satisfy a range of requirements.
    Technical resource
    Technical resource 20 Sep 2021

    Social security benefits and their eligibility criteria

    There are many social security benefits with differing and complex eligibility criteria. This guide looks at some of the main payments and concession cards.
    Technical resource
    More retirement articles
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    Investing

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    Gearing 01 Jul 2021

    How regular gearing works

    While gearing has advantages, using savings to gear on a regular basis can offer additional benefits. Regular gearing combines savings with borrowed funds.
    Technical resource
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    Managing finances 01 Jul 2021

    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 2021

    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
    Gearing 01 Jul 2021

    Your guide to gearing

    There are a number of ways you can gear an investment and a number of investments you can hold with gearing.
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    Super Strategies 01 Jul 2021

    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
    More investing articles
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    Insurance

    Adviser reading
    Insurance 22 Oct 2020

    Life less ordinary: insurance for business owners and high net worth clients

    Wealth protection needs of many clients tend to focus on paying off their mortgage and covering living expenses, for high-net-worth (HNW) clients other priorities need to be considered
    Article
    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
    Small business 10 Oct 2019

    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
    Small business 25 Sep 2019

    Insurance advice for business clients

    Running a business means taking all sorts of risks, many of which can be difficult to control. However, one type of risk a business can have a degree of control over is people. Learn more.
    Article
    Life insurance 25 Sep 2019

    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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