RE: JP Morgan 🤣🤣17 Jun 2026 14:24
Hi Roger. Assuming you dont make 3k profit, than sell it all (if under £20k total). Then either ask your broker to move the cash from non-isa to your isa account, then rebuy. Or withdraw the cash, then deposit again in your isa. If you make more than £3k profit or the total value is over £20k, it might take few years to move it all. Bear in mind it's profit per share to equal £3k, so you'll have to play with the numbers to suit.
Personally i do this: If you have the funds, load your isa first with £20k buy the same shares, then sell your non isa shares hopefully a few pence more. That way your can cover costs as well. It can get a bit tricky with profit, if loads of profit up. So maybe calculate what you intend to sell in the non-isa (based on £3k profit rules). Then buy that in the isa next year, then sell it down to match in the non-isa. Hope yhat makes sense.
Your other alternative to use your wifes isa allowance. If you marriage is solid, haha.
Vty are not paying divs at the moment (I hope they do in future), if they start paying, that's another hurdle. Although that's under income tax rules, rather than capital gain. I think you're allowed £500 in divs, not checked for a few years. As I only use non-isa for absolute bargain buying opportunities. Hope helps.