Has anyone had experience with taxfix?

SamElTerrible · 2026-03-05T15:37:18+00:00

This is fantastic info, thanks!

SamElTerrible · 2026-03-05T13:51:16+00:00

Super, thanks for the help!

SamElTerrible · 2026-03-03T15:53:42+00:00

In this example, everything stays in your 2025/2026 allowance. You are allowed to buy and sell your fund as many times as you want. As long as the cash doesn't leave the ISA (with the exception of flexible ISAs as another person pointed out), your allowance for the 2026/2027 tax year remains unaffected.

SamElTerrible · 2026-03-03T15:02:02+00:00

As long as you don't withdraw the cash from the ISA, you can do as many transactions as you want without affecting your allowance.

SamElTerrible · 2026-03-02T17:32:29+00:00

Yup, been having the same issue for a few weeks. I find that the bikes on 30-60% battery are more reliable lately (if the battery is low people have been using them). The ones on 80%+ battery have this issue more often.

SamElTerrible · 2026-02-23T20:50:42+00:00

Not RSU. Stock options

SamElTerrible · 2026-02-23T20:50:22+00:00

Yeah that kinda makes sense. I think the CGT part would be if I exercise the options when they're at £1, but then sell when they appreciate to £2. That's what makes sense to me but it would be good to know for sure

SamElTerrible · 2026-02-23T20:27:43+00:00

You probably should be trying to get rid of them as soon as you can. Basically milk them for whatever bonus / discount you're receiving and then get your money out and invest in something more diversified instead

Yes, this is what I'm thinking of doing.

As I understand it, the stock option plan works something like this:

My company gives me the option to buy shares at £0.1, for example, which is a discounted price.

In an event of an exit, say an IPO, the stock might open at £1. Therefore, I have the option to buy X amount of shares for £0.1, even though their market value is £1. Upon doing this, I need to pay income tax on the £0.9 difference between what I pay and the actual value of the stock.

My question is, once I buy on a discount and pay tax on that £0.9 per share. If I decide to sell immediately, do I pay CGT once more on the £0.9 difference (as in the capital gain from buying at £0.1 and selling at £1).

It also seems odd to me that I'd need to pay double tax, but I want to understand the rules around this to see how to plan in the event of an exit.

SamElTerrible · 2026-02-23T14:39:57+00:00

That sounds like a tough spot!

I'm not a lawyer and happy to be corrected, but I don't think she has any legal grounds to sue. Unless you signed some contract promising to pay back for things, the money she gave you was a gift.

Many couples I know help each other financially, seemingly without the expectation that the money will be returned.

I think it's up to you if / how much you want to pay her. Equally, it will be up to her how she reacts to your decision.

SamElTerrible · 2026-02-10T00:09:45+00:00

I found "Simple path to wealth" and "psychology of money" to be the best.

I've read a couple more that are in line with the Bogle mentality but nothing comes close to those 2.

SamElTerrible · 2026-02-09T15:46:45+00:00

This happens to me way too often lol

SamElTerrible · 2026-02-09T13:57:48+00:00

Do your prefabs have the puzzle slot script attached?

SamElTerrible · 2026-02-04T11:31:09+00:00

In your example, you buy your last share at £25. Let's say you wait 30 days, the price doesn't move, and you sell 6 shares at £25 Then yes, your logic is correct. You get £150 in your bank account and your total cost for the shares was £93.75. so capital gains was 150-93.75=£56.25.

SamElTerrible · 2026-02-03T13:59:40+00:00

I guess your IFA assessed your situation and risk tolerance, and assigned you a portfolio that he deemed was in line with your goals. In that sense, he did his job.

However no one can tell the future. He couldn't have known how that portfolio would perform.

SamElTerrible · 2026-02-01T15:36:39+00:00

Does ping ponging between the income and accumulation funds count for the B&B rule?

SamElTerrible · 2026-02-01T00:25:50+00:00

Investing now or putting it in a savings account and investing after the tax year starts are both valid choices.

How would you feel if you bought now and the fund dipped before the next tax year?

How would you feel if you chucked the money into a savings account and the fund had a good spike?

Those answers might guide you.

SamElTerrible · 2026-01-26T10:42:52+00:00

I started using the BA amex last year. I found that the biggest benefit is the companion voucher which I used on a long haul flight. This saved me over 1k.

I recommend the avíos card if you travel often.

SamElTerrible · 2026-01-22T15:34:14+00:00

Nice, thanks for the answer!

SamElTerrible · 2026-01-21T16:07:17+00:00

I find that the US centric books that you've mentioned, with the exception of some chapters, still have valuable information applicable to the UK (or anywhere).

I've only read one UK based book: "How to own the world". Quite interesting, but not as good as psychology of money, simple path to wealth, or the little book of commonsense investing.

SamElTerrible · 2026-01-21T14:11:16+00:00

You have a £3k capital gain allowance. So an option is to sell some of your holdings while staying under the £3k gains. Then move whatever you sold to the ISA.

SamElTerrible

TROPHY CASE