Hi, Not an easy area, but the answers in here methinks. google: Definitive guide to the $1.6 million transfer balance cap Superguide My understanding is that when you set up the 1.6 account, appreciation over that is ok, and your compulsory withdrawals are based on the actual amount( ie includes the appreciation). But look over the Superguide explanation, and check the other issues as well ,just in case they apply to you. At least a good basis for being able to quiz your accountant and know what he is talking about. Cheers
