For young professionals, Clartan Associés provides an appealing solution: a managed PEA (Equity Savings Plan) starting from €10,000. This option allows young clients to set a starting date and take advantage of the PEA’s attractive tax benefits after five years. Beyond its educational benefits, this encourages clients to start saving, which can be used for a future project (like buying property) or, over the long term, to build up a precautionary nest egg for retirement.
For instance, consider an initial investment of €10,000, combined with monthly contributions of €250 and an average performance of 6%. Thanks to the power of compounding, your capital would grow to approximately €58,000 after ten years, generating a gain of nearly €18,000 over that period.
Key features of the PEA
The PEA (Plan d’Épargne en Actions) is an investment vehicle with a beneficial tax structure, permitting investments of up to €150,000. The PEA offers a tax advantage: capital gains are exempt from tax after five years of ownership, provided the investments are in European equities (held directly or through funds). However, social contributions remain due. Withdrawals are possible at any time. However, if a withdrawal is made before five years, the PEA will be closed, resulting in the loss of the tax advantage. Subsequently, the gains will be liable for the Flat Tax. Transactions (purchases/sales) within the PEA are not taxed.
What distinguishes a PEA from a standard securities account?
A broader range of investment solutions is accessible via a securities account (without the limitation of only investing in European equities or funds).
Any capital gains realized from the sale of shares held in a securities account are subject to taxation (either income tax or Flat Tax).
Past performance is not indicative of future results
