Offset losses against gains
In most circumstances, individuals can incur gains and losses within the same tax year, reducing the amount of CGT incurred overall.
In fact, if one’s losses exceed their gains in a year they can carry the excess forward to offset future gains but these must be registered with HMRC.
All-in-one fund
Mr Norton suggested savers look at multi-asset funds which don’t pay on gains when the fund itself sells holdings.
This is because it is seen as the fund trading rather than the individual.
Although, there could be tax charges in other countries but this will then be paid from the fund’s ongoing charges figure.