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Resident in France, and your investments or adviser, still in the UK?
If you are already France tax residents (or moving to France) and you take financial advice from the UK or your investments are still UK based, what do you need to think about as the end of the Brexit transition period approaches? Reassuringly, citizens’ rights for UK...
General Market Commentary October 2020
https://youtu.be/DrfglkqAXe4
General Market Commentary September 2020
https://youtu.be/TrN7pa8UPDc
EXPENSES USD EUR GBP
EXPENSES U.S. $ EURO € GBP £ Rent $800 to $1,500 €712 to €1,335 £632 to £1,185 Electricity $100 €89 £79 Groceries (incl. wine) $600 €534 £474 Landline rental fee (excluding call costs) $60 €53.40 £47.40 Gas for heating/stove $60 €53.40 £47.40 Internet $40 €35.60...
French residency card online application portal opening delayed | An announcement from the French Government
https://brexit.gouv.fr/sites/brexit/accueil/vous-etes-britannique-en.html “How to prepare for Brexit? Following the ratification of the withdrawal agreement, the United Kingdom’s exit from the European Union took effect on 1 February 2020. This agreement provides for...
Meeting the Income criteria when moving to France
When I first became an advisor in France more than ten years ago, the single most important criteria for those moving to France was protecting capital due to the different inheritance rules here. Almost exclusively our clients were of a certain age and retiring to...
Why the Assurance Vie?
Well over one Trillion Euros (well over one Million, Million Euros) is now held in Assurance Vie (AV) policies and life insurance remains the preferred investment for French tax residents. Although the idea was born in the middle of the 17th century, the Assurance Vie...
General Market Commentary March 2020
Update
It’s not about timing the market, it’s about time spent in the market In today’s low interest rate environment (and if it is at all possible, interest rates now seem to be getting even lower!), to achieve any growth a measured amount of risk has to be taken, meaning...
An update on French Residency after Brexit 02-Feb-2020
The French Government have just issued the following update: Saisine des services de l'Étatpar voie électronique The website ONLINE PROCEDURE TO REQUEST A RESIDENCE PERMIT FOR BRITISH CITIZENS RESIDING IN FRANCE BEFORE THE UNITED KINGDOM’S WITHDRAWAL...
Why it is essential to talk to your Financial Adviser (and your dentist)
I’ve been giving financial advice to English speaking clients who live outside of their home country now for the last 23 years (of which the last 13 years in France) and they certainly are a varied bunch of folks Some have settled into their new country and new...
New Online Procedure is now in English for a French Residency permit (Carte de Séjour) in case of a NO DEAL Brexit
For whom is this service meant? This online service is meant for British citizens as well as their family members (spouse, children and parents of British nationality or third-country nationals residing on the French territory before the United Kingdom’s withdrawal...
France Tax Rates and changes for 2020
It is the time of year when we find out what tax changes we will charged in the following year and wait for parliament to debate and finalise the proposed budget. President Macron’s government has announced €9 billion worth of tax cuts for families in France. France’s...
Minimum Income Requirements to be resident in France
Up until now, British passport holders have been able to live in France and elsewhere in Europe with no Visa and no formal requirement to prove they have the means to live here. This is all likely to change with the UK leaving the EU. Current guidelines state that...
General Market Commentary July 2019
UK Nationals Living in France – Latest Residency Update 21/08/19
If you’re an expat living in France and wish to remain there post-Brexit, here are a few pieces of information you should know from the UK government website:
Avis d’ Impot
Understanding your tax return reply form ‘Avis D’Impot’
French Capital Gains Tax (CGT) on property sales
When your main home/principal residence is in France and you are a tax resident in France it is a legal obligation that you declare all your world/global income and capital gains
General Market Commentary June 2019
The second quarter closed on Friday with share prices continuing their upward march.
Comparison Between UK Rental Income and ‘Assurance Vie’ income
Rental income is always taxed in the UK using individual personal allowances 2018/19 = £11,850. So, you can receive £23,700 between you with no income tax to pay.
How to choose the right advisor for you
Did you know that there are different type of financial advisors?
When you search for a financial advisor, how can you be assured that they are right for you?
Understanding your attitude to investment risk
Understanding your appetite for risk is key when you are considering an investment strategy. Risk profiling is the process that we use to find your correct level of investment risk.
Client function 11th June 2019
Beacon Global Wealth Management were delighted to hold a client function in Normandy on the 11th June. This was hosted by Jordan Buchanan and was our way of saying thank to you to existing clients old and new.
General Market Commentary May 2019
In May a possible breakdown in trade negotiations between the US and China, together with a potential new round of tariffs on imports from Mexico, ignited investors’ fears of a further deterioration in global growth
General Market Commentary April 2019
Global equity markets rose for the fourth consecutive month in April, as the S&P 500 recorded a new high for the first time since last September.
General Market Commentary March 2019
Risk assets continued to perform well in March, buoyed by optimism on trade negotiations between the U.S. and China and a dovish pivot from the Federal Reserve
General Market Commentary February 2019
Global equities continued to advance last month as positive news kept investor sentiment “risk-on”.
Principal Tax Rates 2019
France: Principal tax rates 2019 (for income in 2018)
French Gift Tax
In the UK there is a 7-year survival period on gifts
General Market Commentary January 2019
Last month we said that a number of issues, such as the US/China trade deal, the pace of interest rate rises and the avoidance of a no-deal Brexit, could be resolved early in 2019
Ethical and sustainable investments
Increasingly we find our clients interested in ethical and sustainable investments and we have undertaken much research and work in this area.
The Assurance Vie
For people living in France, the Assurance Vie (life insurance) is considered one of the best ways to invest money and organise your inheritance
General Market Commentary 12-2018
Relief over the temporary US-China trade proved short lived as anxieties about tightening monetary policies, slowing global growth and geopolitical uncertainty took hold in December.
General Market Commentary December 2018
November began with US mid-term election results coming in as expected
Understanding your attitude to investment risk
Understanding your appetite for risk is key when you are considering an investment strategy.
General Market Commentary November 2018
October has been a poor month for investors.
Changes to French tax from Jan 2019
If you receive a French based regular income such as salary or pension, PAYE (pay as you earn) a tax payment at source is to be introduced.
General Market Commentary September 2018
The tug of war between politics and fundamentals continued in September.
US Connected persons
What is a US Connected Person
Were you born in the USA? Do you own a US passport? Have you lived in the USA? Have you worked in the USA? If you answer yes to any or all of these questions, then it is highly likely you are a US Connected person.
General Market Commentary August 2018
August saw confirmation that the current US bull market is now the longest on record, having run for 3,453 days since it began in March 2009
General Market Commentary July 2018
Equity markets steered through a blizzard of corporate earnings announcements this month and emerged broadly in good shape, despite a disproportionate amount of comment directed at the lower guidance from Facebook.
5 points to consider when looking for a financial planner
Bad financial advice can be devastating, here are 5 points to consider when looking for a financial planner.
Things to do before you leave the UK to live in France.
In all the excitement of moving to France, it’s easy to forget something important. So here’s a list of some of the things you should do before leaving the UK
General Market Commentary June 2018
After a tricky first quarter, most equity markets have had a better second quarter.
French Succession Planning; the pitfalls of buying a property in the wrong structure.
As an expatriate moving to France or buying your dream holiday home, the last thing most of us would think about is succession planning
Revenir au Royaume-Uni
Si vous êtes un ressortissant français et que vous envisagez de déménager du Royaume-Uni vers la France, voici quelques questions qui pourraient être pertinents pour vous aider dans votre déménagement.
Investissement:
General Market Commentary April
The last fortnight has seen the pound weaken, falling from $1.43 to $1.37
General Market Commentary March 2018
Much like the Easter weather, global stock markets closed the first quarter on a distinctly soggy note. The FTSE World Index lost 4.2% in total return terms over the three months period as measured in sterling.
General Market Commentary February 2018
The beginning of the month saw stockmarkets have their first wobble in a while, driven by the rise in global bond yields. In a sense, strong job numbers in the US and the ability of companies to pay their employees more should be a welcome feature.
General Market Commentary January 2018
Government bonds had a bad month. The rise in yields is still being driven primarily by strong growth and higher inflation expectations, together with the prospect of rising US Treasury issuance to pay for the tax cuts.