I've slowly over the years been bed'n'ISAing my unsheltered holdings and, aside from some gilts (which don't attract CGT) I'm left with the three ITs below to go. I've yet to make an ISA subscription this year and am happy to, on top of that, additionally make next year's on or soon after 6-Apr if needs be. I already have a realised capital gain of £760 this year, made on a sale of £10,810.
That leaves me £11,540 to go of this year's CGT allowance. My ISA has £1,100 cash in it (yet to be reinvested dividends). So here's the three and their values & gains as of time of posting:
EPIC Value Gain
RCP £23,111 -£1,887
CGT £30,192 £7,654
RICA £33,372 £8,374
Please note, I'm not interested in discussing the merits or otherwise of those ITs, just how best to move them into my ISA over this and coming years, especially considering the forthcoming drops in CGT allowance; £6000 after 6-Apr and £3000 the year following.
I'd prefer to move whole holdings, although the only way that could be done in one go would be to generate more cash in the ISA by selling down one of the existing holdings in it. The only one I'm eyeing for that potentiality is Fundsmith (discussion of merits or otherwise of that are OK ). Otherwise, clearly, it'd have to be in two steps, across this side and the other of 6-Apr. And if push comes to shove, ending up with one of the holdings split in and out of the ISA would be tolerable.
So, the goal is to get those into ISAs, obviously over several years, while minimising CGT. What do y'all think the best way of performing this particular shuffle would be?