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Formal charge refers to singular atoms in the lewis dot structure of covalent bonds, not ions. The ions themselves have an overall charge, but not a formal charge. For example, the lewis dot structure of F- is F with seven dots around it, no bonds formed. On the other hand, the F atoms in SF6 do have formal charge. Hope this helps!
Indeed as stated above, ions can have charge but technically the name "formal charge" applies to the individual atoms in that ion. However, apart from terminology, a good guideline to apply to the idea you are referring to is that in a molecule or ion, the sum of the formal charges of the individual atoms should always add up to the charge of the overall molecule or ion.
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