I currently plan on sticking with my Current full-time employment (barring any serious health issues or being made redundant) for another 8 years or so -- which would bring me to age 70. When I turn 65 I will be able to transfer my SMSF accumulation account balance into 'pension phase', which will mean (under current tax law) that the earnings and capital gains be taxed within the SMSF at 0%