Money Lesson Single

The exit got four times slower

You have money invested outside an ISA and you have been meaning to deal with it. The cost of not dealing with it is one number, and the reason it keeps growing is that the door out gets narrower the longer you wait.

Employment Expenses ISA Investments

Shelter it a slice at a time

2 Goals

Sell what the yearly exemption covers, move the cash into the ISA and buy the same fund back inside it.

Try this plan

Employment Expenses ISA Investments

Leave it where it is

2 Goals

The same portfolio, unwrapped: dividend tax every year, and Capital Gains Tax on the way out.

Try this plan

Shelter it a slice at a time Leave it where it is

Sheltering the same portfolio a slice at a time leaves you ~£52.7k better off, using an exemption that expires unused every April you do not.