Sep 8, 2026 – 5.00amQ: I was planning to sell various investments after I retire, when I expect to be on a lower tax rate. Can I still do that after the capital gains tax changes? I am 64 and plan to retire after July 1, 2027. In particular, I have a holiday home that I bought 20 years ago for $500,000 that is now worth about $1.5 million. I had expected to pay minimal CGT if I sold it after retiring. What will the changes mean for me? – Shivani A: The changes have not scuppered your retirement plans, says David Simon, principal adviser at Integral Private Wealth. You can still sell investments after retiring – and having little or no salary may reduce the tax on smaller gains.Subscribe to gift this articleGift 5 articles to anyone you choose each month when you subscribe.Subscribe nowAlready a subscriber? Fetching latest articles
How the CGT changes affect selling investment assets in retirement
Even before the budget’s alterations, ceasing work did not make a large capital gain tax-free.
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