Rules on assurance vie payouts between friends in France Putting a friend down as an AV beneficiary can be one way to avoid France’s high inheritance tax
Which pension investment schemes are best for Britons in France? Partner article: Defined benefit pension, QROPs or assurance vie? Daniel Butcher, of DTB Wealth Management, looks at the tax implications of all three
Best way for Britons in France to manage ‘lump sums’ of money Partner article: Consider putting money from UK ISAs, property sales or investments into a French ‘Assurance Vie’ says Daniel Butcher, founder of DTB Wealth Management Pandemic boosted French savings: Options beyond bank current account Understanding French assurance vie misconceptions Update: Declaring assurance vie gains
Sud-Ouest Assurances offer financial peace of mind Sponsored feature: Anne Gardini at Sud-Ouest Assurances explains options available to you if you live in France and are looking for financial peace of mind.
Daughter in UK and French AV I am British, live in France and have a British/French daughter living in the UK. If I take out an assurance vie in her favour, how will it be taxed after I die? T.D.
Should I take out new French 'AV' policy? If you have an assurance vie there is a tax-free element after a number of years. If you receive another lump sum you want to invest in AV, is it best to top up the one you already have and, if so, are you able to take advantage of the tax-free element already existing? Or should you take out a separate AV and start again from scratch? M.M.
Charges due on French AV withdrawals We have assurance vie contracts we have held for nine years. If we start to withdraw €9,200 per year as a couple, how much will be due in social charges and tax? I.S.
French law can help you enjoy the fruits of your work Many people have complicated family situations (children from former marriages etc.) and there are many solutions for achieving their inheritance wishes, whether via the EU Succession Regulation or other solutions, but what if we ask: “What do the French do?”
French assurance-vie payout ruled to be inheritance Those opting to leave money to loved-ones via an assurance vie (AV) contract should avoid mentioning this in their will after a court ruled that such a payout may be deemed a bequest where there is an ‘obvious link between the AV capital and their estate’.
France v. Luxembourg for your assurance-vie plan People looking at a move to France must review their tax and estate planning and update investment strategy for the new circumstances.
Pension dilemma is cash-in tomorrow or today Would you prefer to receive £300,000 today or £10,000 a year for the rest of your life? While there is no right answer, this is a similar dilemma faced by many Britons with ‘final salary’ pensions. These ‘gold-plated’ pensions are where employers pledge a minimum income throughout retirement, plus yearly cost-of-living increases.
Transferring between AV policies We have been in France for 16 years. We have an assurance vie in Luxembourg and another in the UK. The UK policy now contains practically nothing. Both have been set up for at least 10 years.
UK pension plans and French tax return? WITH regard to my tax declaration, I have a Personal Pension Plan that I have with Standard Life UK. Do I have to include this on my 3916 form? C.S. In premium position for mortgage insurance My PEP did not benefit from 65% reduction 30% tax alert may spark rush for PEL savings