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[2026 Releases](https://info.lightyeardocs.com.au/supportcentre/release-notes?hsLang=en#2026-releases) # October 2026 Updates **DOCUMENT UPDATES** - **06/10/2026 Division 7A Loan Agreement -** The interest rate for FY2026–27 was added as 8.77% in the "Agreement Details" section of interview and "Interest Rate" section of the template in Schedule 1 - **08/10/2026** **SMSF Investment Strategy - Fund -** The following items were updated: - Here are the changes under clause 2.3: - - The text "The Trustee of the Fund holds 0 - 25% of its portfolio in crypto and has considered and is aware the risks involved in holding a significant proportion of its portfolio in one asset class. At this time, the Trustee accepts the risks of poor returns and a depletion of capital but will monitor its position regularly and if need be, diversify to other asset classes. Further, the Trustee acknowledges that cryptocurrency investments are considered to be high risk. The trustee accepts the higher level of risk in exchange for potential high capital gains." has been replaced with "The Fund may invest \[Cryptocurrency Benchmark Allocation Range Variable\] of its gross assets in cryptocurrency. Before making or continuing any cryptocurrency investment, the Trustee will consider its suitability for the Fund, including volatility, liquidity, custody, regulatory, concentration and loss risks. Inclusion of cryptocurrency within the permitted allocation range does not mean that the Fund currently holds cryptocurrency or has decided to acquire it." - Here are the changes under clause 2.4: - The text "As the Trustee has decided to borrow with borrowings relevant to the specific borrowing assets of 0 - 30% which the Trustee has considered to be within its range of capabilities to service with cash flow coming from income of the assets and also proposed contributions by the fund members. Insurances have also been considered in the event that any employment or potential contributions are foregone in times of serious incapacity. The Trustee intends to pay down its borrowings as quickly as possible." Has been replaced with "The Fund may maintain total outstanding borrowings within a permitted whole-of-fund borrowing range of \[Borrowing Benchmark Allocation Variable\]% of its gross assets. This ratio is calculated by dividing the Fund’s total outstanding borrowings by its gross assets. The permitted range does not represent the Fund’s current level of debt or, by itself, establish that the Fund can service any borrowing. Before entering into or continuing a borrowing arrangement, the Trustee will consider the Fund’s repayment obligations, serviceability, liquidity, investment income, member contributions, expenses and the possibility of interruptions to income or contributions. The Trustee will regularly review whether the borrowing remains consistent with the Fund’s investment strategy." - Here are the changes under clause 2.5: - The text clause "The Trustee of the Fund has decided to invest in property as a long term hold – 10+ years and although the asset allocation is significant the contributions of members and rents ensure that the Fund is cash flow positive with cash reserves to be diversified in the future." has been removed. - If Property allocation was selected the following text will be included "The Fund may invest in property within the permitted domestic property allocation range. Before acquiring or continuing to hold a property investment, the Trustee will consider its expected return, concentration risk, liquidity, cash-flow requirements and consistency with the retirement objectives of the Fund’s members. Property investments may be held over the medium to long term, subject to the Trustee’s ongoing review of the Fund’s circumstances." or else if Property Categories are chosen, the following text will be included "The Fund may invest in \[Selected Property Categories Variables\] within the permitted domestic property allocation range. Selection of a property category means that it is a permitted investment and does not mean that the Fund currently holds, or has decided to acquire, property within that category. Before acquiring or continuing to hold a property investment, the Trustee will consider its expected return, concentration risk, liquidity, cash-flow requirements and consistency with the retirement objectives of the Fund’s members. Property investments may be held over the medium to long term, subject to the Trustee’s ongoing review of the Fund’s circumstances." - Here are the changes under clause 2.6: - The text "The Trustee has assessed and monitored its cash flow requirements and has chosen to invest in assets as well as has cash at hand to meet any liabilities including on-going costs such as accounting and audit liabilities." has been replaced with "The Trustee has assessed and monitored its cash flow requirements and has chosen to invest in assets as well as has cash at hand to meet any liabilities including on-going costs such as accounting and audit liabilities." - Here are the changes under clause 2.8: - The text "The Major Asset Classes for a SMSF Investment and an Asset Allocation for the Fund" was changes into "The ranges below represent the asset allocations permitted under this Investment Strategy. They do not represent the Fund’s current holdings. The Fund’s actual investment allocations must total 100% of its gross assets, with each asset counted only once. The maximum percentages of the separate permitted ranges are not required to total 100%." - Within the table of clause 2.8 the field of "ALLOCATION" has been replaced by "PERMITTED ALLOCATION RANGE (% OF GROSS FUND ASSETS)". - Within the table of clause 2.8 under the Property in the key characteristics, the text "Note: The residential, commercial, industrial and rural property ranges are subcategories within the overall Domestic Property allocation. They are not separate or additional asset allocations." has been added. - within the clause 2.8 table. Borrowing allocation are now separated from the other allocation. Asset Borrowing are now separated with two columns. ASSET CLASS and PERMITTED ALLOCATION RANGE (% OF GROSS FUND ASSETS). and added note text under the table "Borrowings: This ratio is separate from the Fund’s investment allocations and is calculated as the Fund’s total outstanding borrowings divided by its gross assets." - Within the interview under the Borrowing Strategy tab- Changed the caption question from "Would you like to have a benchmark for the allocation?" into "What is the permitted whole-of-fund borrowing range?" - Heading for the Asset allocation are now continues in between the pages. - **08/10/2026 Enduring Power of Attorney -** The typographical error from "DO ANYTHING ON MY BEHAILF" was fixed into "DO ANYTHING ON MY BEHALF". - **08/10/2026 The LYD Will and EPOA -** Within the South Australia EPOA, under the appointment of attorney(s). the typographic error from "DO ANYTHING ON MY BEHAILF" was fixed into "DO ANYTHING ON MY BEHALF." - **09/10/2026 Discretionary Trust - (non foreign persons) -** The numbering issue within "NSW Foreign Person" definition was fixed. - 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