Securities
account
Invest in all financial assets with the securities account (CTO) and diversify your wealth.
- Diversity of eligible financial assets.
- Unlimited investment with no minimum.
- Availability of investments.
The securities account in 3 points
A universal wrapper for investing in a wide range of financial assets, with limited management fees from the account holder.
No contribution cap, no geographic limitation. Invest worldwide: equities, bonds, ETFs, UCIs...
Withdrawals and contributions are free at any time, with no impact on the account's taxation.
An individual or a company can hold as many securities accounts as desired, with different brokers.
Unlock your investor potential with the securities account!
The securities account is the most flexible wrapper for investing in financial markets. No caps, no geographic restrictions: you access all asset classes, worldwide. At Investisseur Privé, we select the best instruments for your securities account.
Advantages of the securities account
The advantages of the securities account
Diversity of eligible assets.
Savings available at all times.
Possibility to invest with leverage (on credit).
Short selling possible.
Transfer of the account possible without liquidation.
Eligible for legal entities for corporate treasury investment.
Constraints of the securities account
The constraints of the securities account
No tax advantage: universal flat tax (PFU).
Risk of capital loss depending on the underlying asset.
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Characteristics of the securities account
The universal wrapper for investing in financial markets.
Wrapper type
Investment account
Contribution cap
None
Eligible assets
All: equities, bonds, ETFs, UCIs, derivatives, etc.
Geographic zone
Worldwide
Taxation
Flat tax 30% (12.8% income tax + 17.2% social contributions) or progressive income tax
Availability
Full - free withdrawals and contributions
Number of accounts
Unlimited
Suited for
International investment, maximum flexibility, trading
Your securities account
in delegated management
With Investisseur Privé, switch to delegated management for your securities account!
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 securities account
We manage targeted portfolios to invest through your securities account, 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.
Open or have your securities account managed
Investisseur Privé supports you in opening and managing your securities account:
- Selection of the best investment instruments.
- Tailor-made allocation based on your profile.
- Real-time monitoring and delegated management.
Understanding the securities account
Content to understand the securities account and its specific features.
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Other tax wrappers than the securities account
In addition to the securities account, other wrappers are available to boost the performance of your investments.
Life insurance
Life insurance combines flexibility, tax advantages and diversified management. It allows you to secure part of your savings and prepare for retirement.
Luxembourg life insurance
Luxembourg life insurance offers enhanced capital protection, investment freedom and a high-performing international framework.
Capitalization contract
The capitalization contract combines eligible asset choice and a flexible framework for your transfer.
Equity savings plan
The PEA and PEA-PME combine a tax-advantageous framework for the long term and investment in European companies.
Retirement savings plan
The retirement savings plan combines building a long-term annuity and immediate tax relief through deductible contributions.
Life insurance
Life insurance combines flexibility, tax advantages and diversified management. It allows you to secure part of your savings and prepare for retirement.
Luxembourg life insurance
Luxembourg life insurance offers enhanced capital protection, investment freedom and a high-performing international framework.
Capitalization contract
The capitalization contract combines eligible asset choice and a flexible framework for your transfer.
Equity savings plan
The PEA and PEA-PME combine a tax-advantageous framework for the long term and investment in European companies.
Retirement savings plan
The retirement savings plan combines building a long-term annuity and immediate tax relief through deductible contributions.
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Frequently asked questions about the securities account
Looking to invest via a securities account? Here are the answers to your questions.
The securities account (CTO) is a universal tax wrapper for investing in all financial markets, with no contribution cap or geographic restriction. It allows you to hold equities, bonds, ETFs, UCIs, derivatives and structured products.
French and international equities. Bonds. ETFs. UCIs in general: SICAVs, FCPs, etc. Derivatives: options, warrants, futures, turbos... Structured products. Our 2 portfolios: Audace and Equilibre.
The CTO is subject to the flat tax of 30% on capital gains and dividends (12.8% income tax + 17.2% social contributions) since 2018. The option for progressive income tax is available if more favorable. Capital losses can be offset against capital gains of the same nature for the current year and the following 10 years.
Yes, an individual or legal entity can hold several securities accounts with different institutions (traditional banks, brokers and neobanks).
No, unlike the PEA and PEA-PME, an individual or a company can invest as much as desired via a securities account.
Yes, transferring a securities account to a new institution is possible, whether it is a bank, broker or neobank. The new institution handles the transfer by contacting the former one, noting that fees may apply.
A securities account (CTO) is a tax wrapper for investing freely in all markets (French and foreign equities, bonds, funds, ETFs, derivatives, options...) with no contribution cap. The PEA is reserved for European securities and capped at 150,000 EUR, but offers advantageous taxation after 5 years. Freedom for one, tax advantage for the other, or both if you combine them.
Yes! At Investisseur Privé, we can manage your securities account for you in 3 steps: Defining your risk profile and asset allocation. Building a diversified and balanced asset portfolio. Trades, monitoring and reporting 100% delegated. With a dedicated advisor and manager available at all times.
There are four types: Brokerage fees on stock market orders. Account maintenance fees or custody fees. Fees related to financial products held (e.g. management fees for UCIs, ETFs, etc.). Possible exchange fees.
No, the securities account is not subject to IFI when the assets held do not involve real estate. This is not the case for SCPI or OPCI shares, which are subject to IFI as they are real estate in nature.
They depend primarily on the assets held: Risk of capital loss. Specific risk related to each invested asset. Exchange risk for assets outside the euro zone. Plus the risk of the securities account custodian: bank, broker or neobank.
The CTO is ideal for investors who: Want to access international markets. Want to invest in products not eligible for the PEA. Have reached their PEA ceiling. Have no duration or tax constraints.