Maximise super contributions & investment portfolio pre-retirement
At this time pre-retirees can take steps to ensure that their SMSF investment portfolio is appropriately structured to support their retirement needs.
Options include:Reviewing the mix of growth and defensive assets to minimise the risk of incurring capital losses;Seeking investments that provide an element of capital protection;Investing in assets that will be able to pay an income in the future;Utilising franking credits to minimise any tax paid by the SMSF.