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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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    SMSF 07 Apr 2021

    Basic conditions of an SMSF

    Specific conditions apply to the relationship between trustees and members. Limitations include who is eligible to be a trustee as well as on the number.
    Technical resource
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    Pension 01 Apr 2021

    Calculating the rate of income support payments

    The rate of social security payments are affected by an asset and income test. Generally, the test that results in a lower payment is what determines the rate payable.
    Technical resource
    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
    SMSF 01 Jul 2020

    SMSF borrowing

    SMSFs are generally prohibited from borrowing, with some very limited exceptions.
    Technical resource

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    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
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    Retirement

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    Technical resource 01 Apr 2021

    Super, tax and other rates and limits 2020/21

    The latest key super, tax and social security rates, rules and thresholds for 2020/21. Read more at BT Academy.
    Technical resource
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    Aged care 20 Mar 2021

    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
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    Aged care 20 Mar 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
    Aged care 20 Mar 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
    Aged care 20 Mar 2021

    Your guide to the first aged care means test

    The aged care means test is based on a person’s income and assets. It applies when entering residential aged care.
    Technical resource
    More retirement articles
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    Investing

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    Regulations 15 Mar 2021

    Invest Talk with Matt Harvey and Joel Grosvenor

    In this first episode, Matt Harvey is joined by Joel Grosvenor, Portfolio Manager for the CoreSeries portfolios. Matt & Joel discuss the major changes implemented across the portfolios since inception, areas of focus in the year ahead and take a deeper dive into a piece of research Joel recently published, highlighting the unusually large dispersion in active returns amongst Australian Equity managers over 2020.
    Podcast & PDF
    Adviser reading
    Investing 23 Oct 2020

    Have managed accounts withstood the COVID-19 test?

    Find out whether managed accounts withstood the COVID-19 test in efficiency and speed of execution
    Article
    Capital gains tax 14 Oct 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 14 Oct 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

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    Super Strategies 14 Oct 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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    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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