Dear Ms Wise, I’m due to receive a sizeable inheritance in the same year as we plan to downsize our home. We are both in our late 60s. While we are unlikely to have anything left from the sale proceeds once we buy the new place, I know we can use some of the inheritance to add to the downsizer contributions. There is enough in the inheritance for us also to make after-tax contributions to super. But I’ve been told to be careful about the timing. How does this work? Michael

The wisdom: You’re right, timing is everything. It’s crucial to make the downsizer contribution – up to $600,000 for a couple – last because you can do it no matter how much you have in super.