Hoping someone with more experience than me can offer some advice as I’m struggling a bit.
I have a sharesave that matures this month. I plan on exercising the options and the gain from what I put in (approx £10k) it to the current share price is approx £6k. I have no immediate need for the money I can see in the next 3-5 years so was going to keep the shares. I think I can transfer them to a pension (self select / SIP?). Or transfer them to a stocks and shares ISA? But for the later I need to sell and repurchase in the ISA apparently and then do I need to pay CGT on the gain I’ve already made?
also perhaps to complicate it slightly I somewhat miscalculated and paid in £5k into my ISA earlier this year thinking that would leave enough allowance for the shares to be transferred in. But given they’re worth approx £16k… unless they take a dip in the next couple of weeks I think I need to split some off?
any advise appreciated - don’t have many work colleagues close enough to ask and not many took up the scheme.
thanks