{"id":48,"date":"2026-10-14T19:02:05","date_gmt":"2026-10-14T17:02:05","guid":{"rendered":"https:\/\/autre.limigaya.fr\/?page_id=48"},"modified":"2026-10-14T20:23:53","modified_gmt":"2026-10-14T18:23:53","slug":"guide-pea","status":"publish","type":"page","link":"https:\/\/autre.limigaya.fr\/index.php\/guide-pea\/","title":{"rendered":"Guide PEA"},"content":{"rendered":"\t\t
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Le Guide du Plan d'\u00c9pargne en Actions (PEA)<\/strong>
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1. Qu'est-ce que le PEA ?<\/strong>

Le Plan d'\u00c9pargne en Actions (PEA) est un produit d'\u00e9pargne r\u00e9glement\u00e9 en France qui permet d'investir dans un portefeuille d'actions et d'ETF tout en b\u00e9n\u00e9ficiant d'un cadre fiscal extr\u00eamement avantageux apr\u00e8s une dur\u00e9e de d\u00e9tention de 5 ans.<\/p>\n\t\t\n<\/div>\n

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Plafond de versement<\/strong>

150 000 \u20ac<\/strong><\/p>\n\t\t\n<\/div>\n

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Avantage fiscal apr\u00e8s 5 ans :
0% imp\u00f4t sur le revenu
Hors pr\u00e9l\u00e8vement sociaux 18.6%<\/strong><\/p>\n\t\t\n<\/div>\n\n<\/div>\n

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2. Titres \u00c9ligibles au PEA<\/strong>

Pour \u00eatre \u00e9ligible au PEA, les actions doivent \u00eatre \u00e9mises par une soci\u00e9t\u00e9 dont le si\u00e8ge social est situ\u00e9 dans l'Union Europ\u00e9enne (ou dans un \u00c9tat de l'Espace \u00c9conomique Europ\u00e9en ayant conclu une convention fiscale avec la France).Actions en direct (ex: TotalEnergies, Air Liquide, L'Or\u00e9al, Schneider Electric...)ETF (Exchange Traded Funds) capitalisants ou distribuants r\u00e9pliquant des indices europ\u00e9ens ou internationaux via des m\u00e9canismes d'\u00e9change synth\u00e9tique \u00e9ligibles.Parts de OPCVM (FCP et SICAV) remplissant les quotas r\u00e9glementaires d'investissement en actions europ\u00e9ennes (minimum 75%).<\/p>\n\t\t\n<\/div>\n

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3. Fonctionnement de la Fiscalit\u00e9<\/strong>

La fiscalit\u00e9 du PEA d\u00e9pend essentiellement de la date du premier versement sur le plan :<\/p>\n\t\t\n<\/div>\n

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Anciennet\u00e9 du PEA<\/strong><\/p>\n\t\t\t\t\t

Cons\u00e9quence d'un retrait<\/strong><\/p>\n\t\t\t\t\t

Fiscalit\u00e9 applicable<\/strong><\/p>\n\t\t\n<\/div>\n

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Moins de 5 ans<\/p>\n\t\t\n<\/div>\n

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Cl\u00f4ture obligatoire du plan<\/p>\n\t\t\n<\/div>\n

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Flat tax (12.8% IR + 18.6% PS = 31.4%) sur les gains<\/p>\n\t\t\n<\/div>\n

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Plus de 5 ans<\/p>\n\t\t\n<\/div>\n\n<\/div>\n

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Retraits possibles sans cl\u00f4ture<\/p>\n\t\t\n<\/div>\n

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Exon\u00e9ration d'imp\u00f4t sur le revenu (Pr\u00e9l\u00e8vements sociaux de 18.6% seuls)<\/p>\n\t\t\n<\/div>\n\n<\/div>\n

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Derni\u00e8re v\u00e9rification r\u00e9glementaire : 01\/01\/2026 \u2022 Source officielle : Minist\u00e8re de l'\u00c9conomie & AMF.
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