Your retirement questions answered

[@bigglesm3456]

in a smsf how does a capital loss work when you are in pension phase as you have no taxable gain to offset against? should you realise any loses before converting to a pension? thanks biggles

[@jw-vx8im]

Before converting

[@IPEX-BADD]

Don't confuse, offsetting capital gains against losses with forgoing that tax offset. Don't sell an asset, just to offset a capital loss. Why sell winners, to subsidise losses. Keep the winners 🏆, and ride them to the final post. Winners are grinners😊, losers can suit themselves.

[@brucesherborne408]

From let’s go fishing….61 years old just started 5% TTR draw down to salary sacrifice some back into super but should I try to pay down more on my mortgage rather than SS into super or should I continue to SS and draw down and pay mortgage close to retirement.

[@clairespark9307]

That was excellent boys. Broad scope issues but drilled down. Love im forced to start understanding bonds amongst it where i would normally fast forward. But you make it bareable. The opportunity cost of Bonds in the past are significant. Its like milk farmers setting a fixed farm gate price 20 years ago forgetting or not recognising inflation. And having no finance guys on the board. But, looking forward sitting in todays circumstances, am forced to listen to bond jibber jabber in order to comprehend them better bc i see their validity. But christ bond speak for me is close! To going to the dentist 😂