Postby Angelchops » Mon Aug 19, 2019 7:26 pm
Thank you again Maths.
Yes I do tend to agree with your analysis rather than Aviva's having done my research over the last couple of weeks.
I read a similar thread to this on another forum, albeit the circumstances were slightly different, but pretty much the same two viewpoints came up - it got quite heated. In the end the chap who started the thread spoke directly to HMRC and they confirmed what you are saying.
All of this does serve to highlight however that even experts get their facts wrong so taking advice isn't always foolproof. My Mum was poorly advised by an financial expert many moons ago and it cost her dear, so we're wary these days. We listen to a variety of views - then make our own decisions.
Anyway, as I said, taxation isn't the only thing we're weighing up here, there are some personal considerations as well as some nervousness about the global financial markets.
Time will tell.