17 Percent Death Tax, page-12

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    'About 10 years ago we took advantage to the 3 years rule and rolled it over'

    Sounds good. So I assume your total fund was less than the 3 year total, and you were in Pension Phase at the time? I ask, as I'm not sure how you managed that.

    If you were in Pension Phase and retired then you would have had to liquidate all assets, convert back to Accumulation, and the contribute the 3 year worth back into Accumulation and then convert to Pension.

    If you were not in Pension Phase then any gains would have been subject to tax, and the excerise may have been more questionable.

    Unless that is, you had had a bad run and your fund was not showing too much in gains in which case it was a sound strategy.

    Anyway that is more of a curiosity than anything. The fact is your super statement MUST show the taxable and non-taxable elements. You should check just to make sure.

    If all non-taxable then forget about future tax - there will lbe none.
 
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