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Advise on UK sipps


Aly

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I have a Sipp that has been frozen, I have not paid into it for years. I am unclear abt some areas that relate to it.

From what I have read in France, it is declared as part of Wealth tax declaration.

I understand there are other options at making it more efficient when the time comes to draw on it any advise on these much appreciated.

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You don't need to include any pension funds (including SIPPs) in your declaration of assets for Wealth Tax (ISF).

When you start to draw on it, any Tax-free lump sum is now apparently taxable in France - if you still have the opportunity, it would be better to draw this before becoming resident in France.

Once you are drawing from it, the income is not liable to social charges, so the effective rate of income tax will probably be quite low (depending on your other sources of income). My marginal rate on pension income is 14%.

Beware high charges if you are considering QROPS.

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