anderssummers

Dear HMRC Team, I have gaps in NI contributions, as I worked in Switzerland from April 2012 until February 2016. Prior to that, I was working in the UK from June 2011 to March 2012, and paid NI (although not for the full year). Before that I was living outside of Europe. I have a few questions: 1. I worked full time in a professional role in Switzerland for a Swiss company. Would any of my tax payments qualify for National Insurance Contributions in the UK? In other words, is it possible to transfer any tax payments made in Switzerland from 2012-2016 to my UK National Insurance? 2. If the above is not possible, how do I estimate the amount of voluntary NI I can make? 3. How can I calculate the effect on my state pension (i.e. increase in value) if I were to make the voluntary contributions? Many thanks You have: 8 years of full contributions 25 years to contribute before 5 April 2048 5 years when you did not contribute enough 2023 to 2024Your record for this year is not available yet 2015 to 2016Year is not fullView 2015 to 2016details 2014 to 2015Year is not fullView 2014 to 2015details 2013 to 2014Year is not fullView 2013 to 2014details 2012 to 2013Year is not fullView 2012 to 2013details 2010 to 2011Year is not fullView 2010 to 2011details

Apologies, I have looked at the link but I am still unclear. So if I am buying an ETF, is it only when I sell an ETF that I am invested in, that I have to pay CGT? If so, what would be the amount of tax I would have to pay? Thank you.

Thank you very much. So just that I am clear, I would not pay any CGT as the ETF's increase in value? Assuming there is no early surrender, I would only pay tax once the policy reaches maturity? If so, what is the amount of tax I would need to pay at maturity please?

Good day HMRC team, I have been living in the UK for the past 7 years, and also been a tax resident. From 2012-2016, I lived in Switzerland where I made monthly contributions to a life insurance policy managed by Royal London 360 Insurance Company Limited. The policy then invests into funds that I can choose, such as ETF's, bonds, etc. RL360 are based offshore, in the Isle of Man. About a year into moving to the UK, I stopped making regular contributions. The policy matures in 2043 and I am not able to access the funds until then. My question is, if I change the allocation between ETF's (i.e. move money from a poorly performing fund to a better performing fund), do I need to pay any CGT here in the UK? If I sell any ETF's, would I need to pay CGT on that? Just to repeat - I am not able to access the money until 2043, I can only change the allocation of what the money is invested in. Many thanks

Dear HMRC Team, I am thinking of investing in an ETF (exchange traded fund), using a UK broker , who are registered with the FCA. If I purchase the ETF (and this is not using an ISA), at what point would I have to pay capital gains tax? Is it when I sell any part of the ETF? Is there a tax-free allowance? If I do not sell the ETF for say 5 years, does that mean I don't have to pay tax during those 5 years? Also, if teh ETF pays dividends, how are these handled from a tax perspective? Many thanks

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