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ISAs


Rabbie

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I am currently in the proess of planning to move to France. ie We have had an offer accepted for a property but it's still early days in the process. I was wondering if we should move our money from ISA acounts in England before becoming permanently tax resident in France. Who would be the best people task for advice on this?
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[quote user="Rabbie"]I am currently in the proess of planning to move to France. ie We have had an offer accepted for a property but it's still early days in the process. I was wondering if we should move our money from ISA acounts in England before becoming permanently tax resident in France. Who would be the best people task for advice on this?[/quote]

Hi,

    As ISAs are not tax-free in France , it is best to cash them in while still UK resident. This is particularly important if they are invested in equities , or similar as capital gains on these are now heavily taxed in France(31%). Over the period of your move to France put the proceeds in a high interest instant access account , either in UK or off-shore. When in France , if you wish to continue with the same sort of investments , with tax advantages , and (as you will find important in France) succession advantages, look into french life assurance  plans . The best and least expensive (no entry fees and low (0.60% ) management fees), are those accessed online.*

* eg. Fortuneo, Linxea, Boursama--you can look at their websites now.

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