Running discussion on SP, page-67006

Hi @jongo, spend the money and speak to a financial adviser, it'll save you a lot more in $ and time than you'll spend. I get where you're coming from, but I'm not even going to hint at making a recommendation on an anonymous public forum on which way you should go. There's way too many variables.

I'm sorry but the 22.5% is incorrect, I understand you're multiplying it by the full capital gain instead of the 45% on half, but you're better doing your calculations properly. +2% Medicare levy I didn't add in my previous post.

Regarding your SMSF investments, you need to consider your preservation age (see https://www.ato.gov.au/individuals/super/in-detail/withdrawing-and-using-your-super/withdrawing-your-super-and-paying-tax/?page=2). You're 61 so I'd hazard a guess you've reached it. BUT you can only access your super without tax implications once you've reached your preservation age AND retired; OR you've reached age 65 regardless.
If you're still working you'd need to start a TRIS, which limits the amount of super you can access anyway, and there are still tax implications albeit with offsets.