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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 01 Jul 2023

    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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    Superannuation 01 Jul 2023

    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 2023

    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
    Superannuation 01 Jul 2023

    Who can contribute to super

    Certain requirements need to be met before a superannuation fund can accept contributions on behalf of a member, specifically age based, although there are exceptions.
    Technical resource

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    Superannuation 01 Jul 2023

    Who can contribute to super

    Certain requirements need to be met before a superannuation fund can accept contributions on behalf of a member, specifically age based, although there are exceptions.
    Technical resource
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    Retirement

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    Aged care 01 Oct 2023

    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
    Residential aged care fees and charges
    Aged care 01 Oct 2023

    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
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    Aged care 20 Sep 2023

    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 20 Sep 2023

    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 Sep 2023

    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
    More retirement articles
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    Investing

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    Gearing 01 Jul 2023

    Protected equity loans

    Protected equity loans are typically fixed term investment loans (interest only with principal repaid in one lump sum) used to acquire a portfolio of shares.
    Technical resource
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    Gearing 01 Jul 2023

    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
    Gearing 01 Jul 2023

    Understanding reverse mortgages

    Reverse mortgages are home mortgages that work in the opposite way to a normal home mortgage.
    Technical resource
    Gearing 01 Jul 2023

    Self-funding instalment warrants

    There are a number of ways you can gear an investment and a number of investments you can hold with gearing.
    Technical resource
    Gearing 01 Jul 2023

    Understanding reverse mortgages

    Reverse mortgages are home mortgages that work in the opposite way to a normal home mortgage.
    Technical resource
    More investing articles
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