PEA and
PEA-PME
Invest in equities with the equity savings plan (PEA) and PEA-PME, benefiting from tax advantages.
- Medium and long-term equity investment.
- Self-managed or delegated.
- Plan transfer possible at any time.
The PEA and PEA-PME in 3 points
Wrappers dedicated to European equities with preferential taxation after 5 years.
After 5 years, gains are exempt from income tax. Only the 17.2% social contributions apply.
The PEA allows investing in EU equities, eligible ETFs and certain European equity UCIs.
The PEA is capped at 150,000 EUR in contributions. The PEA-PME at 225,000 EUR. The combined total cannot exceed 225,000 EUR.
Open your PEA and PEA-PME as soon as possible!
The PEA and PEA-PME are tax wrappers dedicated to European equities. Since the tax exemption begins after 5 years, open them as soon as possible. At Investisseur Privé, we select the best eligible assets and manage your PEA based on your profile.
Advantages of the PEA and PEA-PME
The advantages of the equity savings plan and PEA-PME.
Many authorized assets: European equities, UCIs and ETFs.
Possibility to invest in SMEs and mid-caps (PEA-PME).
Advantageous taxation after 5 years.
Choice of management mode: self-managed or delegated.
Ideal tax wrapper for preparing your retirement.
Constraints of the PEA and PEA-PME
The constraints of the equity savings plan and PEA-PME.
Any withdrawal closes the PEA or PEA-PME, except: death, disability, dismissal and early retirement.
Risk of capital loss depending on the underlying asset.
Limited investment cap (excluding gains).
More limited asset choice than the securities account.
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optimized taxation
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Characteristics of the PEA and PEA-PME
The equity wrappers with the most advantageous taxation.
Wrapper type
Equity tax wrapper
PEA cap
150,000 EUR in contributions
PEA-PME cap
225,000 EUR (combined PEA + PEA-PME ≤ 225,000 EUR)
Eligible assets
EU equities, eligible ETFs, European equity UCIs
Taxation after 5 years
Income tax exemption - only 17.2% social contributions apply
Taxation before 5 years
Flat tax 30% (12.8% income tax + 17.2% social contributions)
Number of accounts
1 PEA + 1 PEA-PME per person
Suited for
European equity investment, horizon > 5 years
Your PEA and PEA-PME
in delegated management
With Investisseur Privé, delegate the management of your PEA and PEA-PME.
01
Tailor-made
Your asset allocation, based on your objectives and risk profile.
02
Diversification
Your diversified and balanced asset portfolio.
03
Management
Your trades, monitoring and reporting 100% delegated.
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Our portfolios eligible for the PEA and PEA-PME
We manage targeted portfolios to invest through your PEA and PEA-PME, based on your risk profile and return objectives.
Audace
A portfolio composed of 100% equities to benefit from stock market growth and performance.
Equilibre
A portfolio of equities and bonds continuously arbitrated to benefit from all financial markets.
Sortino
A portfolio integrating the best equity funds and the most consistent over time, driven by the Sortino ratio.
Audace
A portfolio composed of 100% equities to benefit from stock market growth and performance.
Equilibre
A portfolio of equities and bonds continuously arbitrated to benefit from all financial markets.
Sortino
A portfolio integrating the best equity funds and the most consistent over time, driven by the Sortino ratio.
Transfer your PEA or PEA-PME
Investisseur Privé takes care of everything!
- Transfer of your PEA or PEA-PME without losing tax seniority.
- Selection of the best eligible assets.
- Delegated management adapted to your profile.
Understanding the PEA and PEA-PME
Educational content to learn about the PEA and PEA-PME: articles, white papers, newsletters, videos and webinars.
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Other tax wrappers besides the PEA and PEA-PME
In addition to the PEA and PEA-PME, other wrappers are available to boost the performance of your investments.
Life insurance
Life insurance combines flexibility, tax advantages and diversified management.
Luxembourg life insurance
Luxembourg life insurance offers enhanced protection and a high-performing international framework.
Securities account
The securities account combines flexibility and access to a wide selection of assets.
Capitalization contract
The capitalization contract combines eligible asset choice and a flexible framework for your transfer.
Retirement savings plan
The retirement savings plan combines building a long-term annuity and immediate tax relief.
Life insurance
Life insurance combines flexibility, tax advantages and diversified management.
Luxembourg life insurance
Luxembourg life insurance offers enhanced protection and a high-performing international framework.
Securities account
The securities account combines flexibility and access to a wide selection of assets.
Capitalization contract
The capitalization contract combines eligible asset choice and a flexible framework for your transfer.
Retirement savings plan
The retirement savings plan combines building a long-term annuity and immediate tax relief.
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Frequently asked questions about the PEA and PEA-PME
Looking to invest via a PEA? Here are the answers to your questions.
The standard PEA is capped at 150,000 EUR and eligible for European equities. The PEA-PME is capped at 225,000 EUR (combined) and reserved for European SMEs and mid-caps.
Yes, transferring a PEA from one institution to another is possible, preserving the tax seniority. Investisseur Prive takes care of everything!
A withdrawal before 5 years triggers the closure of the PEA and taxation of gains at the 30% flat tax. After 5 years, partial withdrawals are possible without closure.
Yes, at Investisseur Prive we offer delegated management portfolios eligible for the PEA, suited to your risk profile.