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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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Insurance

Superannuation & SMSF

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Superannuation 03 Jul 2020

Changes to superannuation work test age

Increasing the age at which the superannuation work test applies from 65 to 67, from 1 July 2020, provides an additional opportunity to implement voluntary super contribution strategies. Learn more at BT Academy.

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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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

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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

Aged care 01 Jul 2020

Assessment for entry into an aged care facility

Aged care facilities are designed for older people who are not able to live at home. There are a number of important considerations when choosing a facility.

Technical resource

Investing

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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

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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

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

Investing 24 May 2020

Smart strategies with mutual long-term benefits

Sustainable investing is gaining traction, fast. It’s more than just a new trend, with 90% of people surveyed believing sustainable investing is important.

Article

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Gearing 14 Feb 2020

The risks and benefits of gearing

Here is a list of some of the general benefits and risks of gearing as well as the steps to take to manage the risks involved.

Technical resource

Insurance

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Divorce 17 Jun 2020

Insurance advice for the newly divorced

Financial discussions with clients during divorce tend to focus on dividing assets and cash, but reviewing insurance is an area that can make a big difference to your clients and their families.

Article

Life insurance 01 May 2020

Comprehensive life insurance can be more affordable with flexi-linking

For clients who want to ease their cash flow, but also have comprehensive life insurance cover, they could consider flexible linking or super-linking their insurance cover.

Article

Life insurance 27 Apr 2020

Future Insurability Benefit

A Future Insurability Benefit (FIB) allows the insured monthly benefit or lump sum insured to be increased upon certain life events, without medical underwriting.

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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