English to Russian Bus/Financial Finance (general) British taxation

Tax-wrapped pensions and  individual savings accounts  (Isas) are safe from CGT, so advisers urge savers to use up any unused allowances available.
Myron Jobson, personal finance campaigner at Interactive Investor, said some people might benefit from a “bed and Isa” transfer on any shares held outside a wrapper. This involves selling the investments up to the annual tax-free CGT exemption and buying them up to the same value in a single transaction. However, investors doing this would incur trading costs.