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Tenderloin
The problem with phasing the withdrawal is that the CGT allowance is diminishing yearly by a factor of 2 anyway, £12k this year, £6k next etc. so while it will definitely make a saving, it’s not substantial enough compared to 20% share drop. Not that I’m anticipating that (!) but the risk adverse side of us would prefer the cash to plough into the mortgage etc
@user75580 Thanks, she’s chasing HR to get some detail, it’s bonkers they’ve never given her an info pack.