Capped at €150,000, tax-free after 5 years, accessible from a few hundred euros — the PEA is one of the best investment vehicles available. Véloci helps you fill it intelligently.
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 of 17.2% apply).
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.