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  1. O

    Can you circumvent B&B rule by gifting to spouse?

    @jmb1031 There is a no gain or loss rule when disposing to your spouse. When the spouse disposes of it, the original price paid will be used. But a gift to a spouse wouldnt incur CGT.
  2. O

    I don’t trust the state pension to exist when I’m 67 (or early 70’s). I’m currently 29. Should I set up a SIPP?

    @heyheyheynoname Im 99% sure the police is a DB scheme like most public sector jobs, meaning yours and your employers contributions mean nothing to the final pot.
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