Everyone knows the peas, this popular savings in the investment sector. But its operation may seem vague, especially if you are starting. Specifically, the PEA, or capital savings plan, is an investment system that intends to encourage the French to save in the stock market in French and European shares. It is an interesting alternative to the classic values account. It also offers you a great advantage: an exemption of tax profits taxes if you keep it at least 5 years.
Accessible for all, the PEA allows stimulating the financing of European companies and rewarding investors who save in the long term with an advantageous fiscal framework. The peas is composed of two parts. The species account, which welcomes dividends and capital gains, and the safe account, where it finds assets, such as eligible actions and ETF. PEA is an efficient tool, ideal for developing its long -term heritage.
Guisante tax exemption, an important asset for investors
As mentioned above, the PEA has a weight argument: the tax advantage. This allows long -term investors to benefit from tax exemption after 5 years of stopping peas.
From the 5 years of detention of the first payment of his pea, the profits he has obtained in the withdrawal sums are only subject to the rate of social security contributions, which are 17.2% in 2025.
But if you do a retirement before 5 years, it does not benefit from this fiscal advantage. All your profits, whether capital gains, dividends or others are subject to fixed taxes. It is 30 %, with 17.2 %of social security contributions and income tax of 12.8 %. Note that you can opt for the progressive income tax scale.
In addition, an early withdrawal leads to the fence of his pea. However, the law provides exceptions in the case of greater force. For example, if it is fired, if it is in disability, if you are removed early or if you die.
Why choose the pea?
In addition to its tax advantages, PEA has many advantages for investors. If you are looking for a long -term solution, the PEA is for you. You benefit in addition to the snowball effect, which is generated by the capitalization of dividends and capital gains.
Therefore, more than 20 years, its initial commitment can duplicate or even triple. PEA is also the possibility of easily diversifying its investments with European shares and ETFs. You can choose small and medium enterprises, ETF that covers all European markets …
When diversifying, it limits the risks while heading to growing companies. In fact, European ETFs allow you to access a basket of several hundred companies. Then you escape low individual performance.
Note that PEA cannot contain certain titles, such as obligations, cryptocurrencies, derived products, SCPI and SCI, and of course, the actions of non -European companies.
Why administer your pea with XTB?
If you want to open a pea, trust an expert in the field of investment. With XTB, it benefits from an intuitive solution, adequate for beginners and experienced merchants.
In a few clicks, you can make your orders and follow your real -time performance. With XTB, it has analysis tools, interactive graphics, as well as a customizable board. You will receive price and news alerts from the market.
And with the functionality of the back test, you can refine your strategy. XTB also offers free training so you can invest independently. It has webinarians, video tutorials and practical guides at your disposal to become familiar with the pea.
You can also access a library of resources. Finally, a whole community of investors offers your support and can use a team of specialists to help you. The peas with XTB is the solution to succeed in its savings.
This content was carried out by an expert from the BFMTV purchasing team, regardless of BFMTV.com editorial staff in association with XTB. The indicated prices occur as an indication and they are likely to evolve. BFMTV is likely to receive remuneration when one of our readers proceeds to a purchase through the links integrated in this article.
Source: BFM TV
