The capital gains made on shares held for more than 12 months (less any losses if applicable) are discounted by your discount rate (this can be changed within Tax settings). Any capital gains on shares held for less than 12 months (as calculated in point 2) are added to any discounted ...
rate, simply buy and hold and wait until you are retired. When you are retired, you will earn no salary, so your income will drop and your salary will likely face lower income tax, perhaps even being within the tax free threshold. You then sell off shares or ETFs bit by bit when ...