Up to €150,000 in contributions, lighter taxation after 5 years, European equities and ETFs. Invested capital is not guaranteed: we match the investment to your horizon.
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Understanding the mechanics to make the right wealth decisions.
After 5 years, gains realised within a PEA are exempt from income tax (only social levies apply, 18.6% in 2026).
The PEA allows investment in equities and ETFs from companies in the European Economic Area (plus some world ETFs via synthetic replication).
The PEA combines ideally with a securities account (CTO) to cover non-European markets (US, emerging) while optimising overall tax efficiency.
Not all PEAs are equal. Trading fees (sometimes 0.5% to 1.5% per transaction) and annual management fees can cost thousands of euros over 20 years. The best PEAs on the market charge less than 0.1% per order. Véloci guides you to the best platform for your profile.
Comparison of the best platforms based on your investment habits: transaction frequency, amounts, level of support desired.
Defining an ETF allocation suited to your risk profile and investment horizon, with regular rebalancing.
