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Mozziemaud(Newbie)Newbie
29 June 2025

I’m 72 retired and my husband is 79 still working. Both with accumulation accounts and we will have a shared capital gain when we sell a piece of land we have owned together for > 10 years.


if we sell land in 2026 tax year(not sure if he will retire before or after the cgt event - then can we roll funds into super to reduce our capital gain? We have never made any contributions outside of PAYG so can we use prior caps? Do we have to put it into an accumulation account or into a pension account. What are tax rules around this strategy? Thanks for any pointers.

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1 replies
240 views
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Bruce4Tax(Taxicorn)Taxicorn
29 June 2025

then can we roll funds into super to reduce our capital gain?


No - rollover is only from one super fund to another.


You can make a contribution and claim a tax deduction, as long as CC cap rules are passed.


Your husband is over age 75, so cannot - only possible contributions are employer SG and downsizer.


Best to get proper advice first.



We have never made any contributions outside of PAYG so can we use prior caps?


You can is your super balance is under 500 K



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REDUCING CGT BY SUPER CONTRIBUTIONS AT 72 and 79 | ATO Community