tax on term deposits in pension phase enigma, page-8

Exactly, but I did not want to sound too technical on HC. Div 4 sounds less formal (even though it is a part).

Don't think I would be trying the scheme suggested without a very very very good reason behind it.

Still nothing wrong with starting a pension at least a day before an interest payment is received. Orchestrated that a number of times be it rent, interest or CGT.

Even placing money on term deposit to expire at a time post when you plan to commence a pension. Nothing wrong with that as many reasons behind wanting to start a pension. Just the ceasing it soon after would be a problem.