I’m thinking of moving across the border to France over the next couple of years and becoming a frontalier. Let’s just assume that I’ve thought this through and not get into whether this is a good idea or not.
When I move I believe I’ll have the option of cashing out my 3a which is currently in Viac, in 100% (nearly) world equities. If I cash it out just before I’ll leave I would have to pay the cantonal tax on the withdrawal (Anyone know where to find the rate?) . If I cash it out while living in France, I imagine that the tax rate will be much higher but haven’t looked into this specifically.
I could leave it where it is until I retire as it’s already invested in equities in a relatively low cost way which is what I would try and do with it anyway.
A second question is that knowing that I plan to leave at some point, is it still worth maxing out this year’s 3a? Or is there a reason I should do something else with the money?
Finally, as a frontalier, can I still add more to a 3a? Would this be a good idea or are there better products available in France?
My current plan is to leave it where it is but open to other perspectives.