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Post by elephantrosie on Aug 29, 2020 20:16:17 GMT
thank you both for the replies. now it made more sense.
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dead-money
Rocket to the Moon
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Post by dead-money on Aug 29, 2020 20:16:28 GMT
The maths is more complicated than that, <snip>
Especially if you factor in some cashback offers / introductory target rates / etc ...  Yes, I've a record of the referrals and cashbacks I earnt, but not the historic target rates for last four years nor any bonus rates on ISA investments.
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theta
Posts: 46
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Post by theta on Sept 3, 2020 21:02:50 GMT
Taxes complicate things though. If outside ISA, one could have paid 45% taxes on the interest and presumably only get CGT relief at a lower rate on the loss incurred by selling at a discount in the SM.
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dead-money
Rocket to the Moon
Posts: 746
Likes: 654
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Post by dead-money on Sept 9, 2020 10:23:19 GMT
chris On the QAA, what's the logic for which withdrawal instruction capital repayments are applied to?
It doesn't seem to be either the oldest or the one with the highest discount. Is it random?
TIA
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Post by chris on Sept 9, 2020 11:52:49 GMT
chris On the QAA, what's the logic for which withdrawal instruction capital repayments are applied to?
It doesn't seem to be either the oldest or the one with the highest discount. Is it random?
TIA
I've been told by the devs that it's the oldest one.
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dead-money
Rocket to the Moon
Posts: 746
Likes: 654
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Post by dead-money on Sept 9, 2020 16:36:00 GMT
chris On the QAA, what's the logic for which withdrawal instruction capital repayments are applied to?
It doesn't seem to be either the oldest or the one with the highest discount. Is it random?
TIA
I've been told by the devs that it's the oldest one. OK, thanks, can't help but wonder whether it would be preferable to be the one with the highest discount ?
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Post by chris on Sept 9, 2020 21:54:17 GMT
I've been told by the devs that it's the oldest one. OK, thanks, can't help but wonder whether it would be preferable to be the one with the highest discount ? I'm honestly not sure. That would move your remaining sell orders further away from the market so would slow your sale, potentially moving you from a prime position to sell quickly. Optimal strategy would depend upon your intentions and priorities.
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garfield
Member of DD Central
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Post by garfield on Sept 10, 2020 6:13:37 GMT
I've been told by the devs that it's the oldest one. OK, thanks, can't help but wonder whether it would be preferable to be the one with the highest discount ? The effect is the same whichever way it's done, i.e. a partial withdrawal at par. Why would it be preferable to be the one with the highest discount? If anything, it would make sense to be the one with the lowest discount.
Dev wise, I suspect it's easiest to apply it to the oldest one/first one found. Then go to the second oldest one if necessary...
I've set withdrawals so the oldest is at par.
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