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What is the Transfer Balance Cap (TBC)

The Transfer Balance Cap limits tax-free super savings in retirement phase accounts to $2 million in 2025. Transitional CGT Relief helps SMSF members avoid tax on pre-cap gains by resetting asset cost bases. All TBAR events must be reported quarterly, with faster deadlines for excess commutations. Exceeding the cap triggers tax penalties, making timely pension adjustments vital for compliant, tax-effective retirement planning.

SMSF Lifecycle

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