but don't remem don't forget that you've each got an allowance of five thousand eight hundred, so something jointly owned, you've actually got a double allowance, and you get that allowance  year, so if you've got say an er a liability for shares of ten thousand pounds, let's say, that's your capital gains calculated liability, you can do five thousand in the first year, and five thousand in the second year, and that will keep you below your capital gains tax allowance.