also, this one: "I suggest if you turn 60 prior to lodging your Tax return and are sitting on any large capital gains then sell them prior so that no tax will be paid on any of it."
the OP hasn't retired yet because he's asking questions about going into pensions phase. i always thought that it'd be more tax efficient to sit on existing capital gains and then sell them after going into pension phase (and pay zero tax rather than 10%?).
