How much does a PEA earn?

Before opening your stock savings plan, you probably want to know its profitability and therefore know exactly how much a PEA will earn in 2025. We invite you to discover, through this article, what is the average yield and performance of a PEA and how much money you can expect to earn per year and per month with this type of investment. We will also explain how to maximize the profits made through this PEA as well as its taxation.

How much does a PEA bring?

In general, it is not really possible to determine precisely how much a PEA or equity savings plan brings in, for several reasons:

• The PEA is a tax wrapper – This means that it is not an investment but a savings product that allows you to invest in the financial markets in the same way as life insurance and securities accounts.
• Investments at the investor's free choice – Thus, once the PEA is opened, the investor chooses for themselves the securities that they will place within this envelope.
• Variable returns – The PEA (Equity Savings Plan) does not offer a fixed return, but its return will depend on the securities it holds, whether stocks or ETFs. Some securities allow you to earn dividends, while others allow you to realize capital gains.
• Gains that depend on the stock market – Investments made through a PEA (French equity savings plan) are made on the stock market. The performance of this market and major stock market indices like the CAC 40 will therefore give us an indication of the potential returns of a PEA.
• Attractive long-term profitability – In view of the stock market's performance, it is clear that this investment proves attractive over the long term.

Yield of a PEA

The yield represents the money that can be earned by investing in the stock market through a PEA and thus measures the income that is generated by this investment.

• The yield is calculated from the dividends received each year compared to the total amount of capital held.
• The average return of a PEA currently oscillates between 3 and 7% but can be lower or higher than this range.
• Thus, the more dividend shares the PEA holds, the more profitable it will be.
• We differentiate the real return from the return on acquisition cost since the shares that are purchased also see their price evolve over time.
• Note that it is also possible to hold shares that do not pay a dividend in your PEA. We put herevantage on the added value that will allow its resale in the future.

How Much Can You Earn By Investing In Stocks?

Now that you know how much a PEA earns on average, remember that the performance of shares and their return is often evaluated by comparing them to the performance and return of major stock market indices. To find out how much it is possible to earn by investing in shares and what return to expect from a PEA, here are the recent returns of these indices:

• The S&P500, which includes the 500 most important American listed companies, presented an average return over 10 years of 13.9% per year.
• The MSCI World index, which is an index made up of more than 1 of the largest companies in the world, has an average return of 000% on average per year.

What we conclude from these figures is that investing in shares, whether through a PEA or a securities account, allows you to earn much more than with a traditional savings account. Of course and in return, this investment will be more risky because the starting capital is not guaranteed.

In general, it should be noted that the stock market tends above all to move upwards over the long term, but that it can also record downward corrections. It is therefore important to take these elements into account to know how much a PEA brings in.

How much can you earn on the stock exchange per month?

Beyond knowing how much a PEA brings in terms of return and to calculate how much the stock savings plan allows you to earn each month, you must also take into account the possibility of making capital gains on the stock market with this plan. This is about performance.

• Performance of a PEA – Performance here measures the ratio between the gains or capital gains and the losses or capital losses generated by an investment. These gains are generated by the resale of securities held when their price has increased and correspond to this price difference.
• PEA return – The return corresponds, as we saw above, to the amount of dividends that the investor receives with the securities held in his PEA.

The average performance that can be achieved with a PEA is often greater than its return. But for that, it is necessary to build up a portfolio of so-called growth stocks, the price of which can rise sharply.

But beware ! In order to calculate precisely how much a PEA brings in per year or per month, it is also necessary to take into account any brokerage fees as well as taxes.

Where to Find the Best PEAs – The Best Brokers for Investing in Stocks

Which Strategy to Boost your PEA?

The gains that can be made with a PEA therefore depend on its composition and the performance and return of the securities that make it up. If you want this profitability to be optimal, it is necessary to implement a strategy based on two options:

• Buy individual stocks – First of all, you will be able to buy individual shares via your PEA, as long as these shares come from countries of the European Union, Iceland, Norway or Liechtenstein.
• Invest in investment funds – The PEA also makes it possible to make investments in investment funds or ETFs. These exchange products are interesting in many ways because they allow indirect exposure to the market.

If you are a novice investor, we do not recommend that you choose the stocks and shares on which you will invest from your PEA, as this strategy is generally inefficient. Stock-picking indeed requires a certain knowledge of the market. According to some major investors like Warren Buffet, investment in investment funds would be more profitable, especially with regard to ETFs.

Factors Influencing AEP Performance

Knowing how much a PEA brings in also requires understanding what are the elements and factors that can influence its profitability and of which here are the details:

• The composition of your PEA – Of course, it is primarily the securities in which you invest with your PEA that will influence its overall return.
• Investor behavior – Your behavior as an investor will also influence the returns of a PEA (French equity savings plan). The strategy implemented, the timing of buy and sell orders for specific stocks, and psychological biases will differentiate a profitable PEA from an unprofitable one.
• Fees applied to the PEA – Finally, to know how much a PEA earns, you also need to know how much it costs. Brokerage and custody fees can significantly impact your gains, which is why it's in your best interest to choose a good online broker.

PEA Taxation in Details

As we indicated above, the PEA is a tax envelope and it is currently the tax envelope which is the mostvantageused for tax purposes in France. Here are its main characteristics and the elements to remember to know how much a PEA really brings in depending on the dividend tax and capital gains.

• No tax without withdrawals – You should know that you will not pay any tax on your PEA (French equity savings plan) as long as you do not make any withdrawals. This rule applies even when the investor makes a profit on their plan. The same applies to dividends received.
• Only gains are taxable – When withdrawing money from your PEA, only the gains realized, including capital gains and dividends, are taxed.
• Taxation before 5 years – As the taxation of the PEA is evolving, before 5 years, gains are subject to the PFU or Single Flat-Rate Levy of 30% including 17.2% social charges and 12.8% taxes.
• Taxation after 5 years – If no withdrawals are made over 5 years, the gains are exempt from taxes but remain subject to social charges of 17.2%.

Be careful and to calculate how much a PEA costs and therefore how much returns, you must take into account its opening date and not the date on which you made your investments.

Why invest in a PEA?

After seeing how much a PEA brings in, you probably want to know what the other benefits are.vantages and the different reasons to open your first stock savings plan now.

The PEA – An Interesting Taxation

The taxation of the PEA is of course one of its main objectives.vantages because it is much more interesting than that of the securities account or other investment products on the stock market, but let us remember that this taxation hasvantageuse depends on the age of the plan.

It is indeed important not to withdraw from your PEA before 5 years, otherwise you will be liable for the flat tax or PFU of 30% and also lead to the closure of the plan.

The PEA therefore concerns long-term investments with an investment horizon of at least 5 years. Because beyond this period, only social security contributions of 17.2% will be charged.

Many individuals therefore decide to quickly open a PEA with a first payment in order to trigger the opening date as quickly as possible, which will be taken into account for the calculation of taxation.

Also note that if you wish to change broker, for example to benefit from cheaper brokerage fees, you have the possibility of transferring your PEA.

Numerous Investment Possibilities

Another advantage of investing with a PEA is that it allows diversified investments to be made since this plan makes it possible to buy all the shares of listed or unlisted companies whose head office is located in a country of the European Union.

Which Securities Are Eligible for the PEA or Equity Savings Plan

The PEA makes it possible to invest in three main families of assets with:

• Shares of listed companies – You can therefore invest with a PEA in companies listed on the Stock Exchange including the large capitalisations of the CAC 40 stock index such as the share of Airbus, BNP Paribas, LVMH or even the share of Air Liquide.
• Funds and ETFs – It is also possible to invest in mutual funds, ETFs, or trackers issued by companies headquartered in a European Union country. This involves placing your money in a UCITS fund that is actively managed by a company or buying an ETF that replicates the performance of an index or sector for passive investment.
• Shares in unlisted startups and SMEs – Finally, with a PEA (French equity savings plan), you can also invest in unlisted companies, including SMEs and startups, as long as you do not hold more than 25% of the company's capital. This investment is...vantageux because it offersvantages tax and allows you to benefit from values ​​likely to evolve upwards and save you money.

Since 2013, it has also been possible to open a PEA-PME, which is a savings plan that allows you to invest, as its name suggests, in medium-sized or small-sized companies and therefore to make investments in smallcaps and midcaps as well as in private equity.

Invest Actively or Passively with a PEA

The PEA is also a product that will suit different investor profiles. Indeed, this plan makes it possible both to invest directly by practicing stock-picking, i.e. by buying the shares you have chosen yourself, or to favor an indirect investment by choosing funds that will delegate management to professionals.

• Indirect Investment – ​​Investing through funds allows you to avoid managing the investment strategy yourself and to diversify your portfolio with a relatively small amount of capital. In return, you will, of course, be charged management fees. ETFs are the funds that offer the lowest fees and replicate the performance of indices or sectors.
• Direct Investing – Direct investing allows you to leverage your knowledge of financial markets and select the stocks you add to your portfolio yourself. We advise you to prioritize a balanced allocation of your capital between income-producing and growth stocks to generate both dividends and capital gains.

Discovervantage information on indirect investment on our Investment Funds page and davantage information on direct investment with our page Dividend.

How to Compare the Different PEAs and the Best Brokers?

Although the PEA is a very common stock market investment product, it offers different pricing conditions depending on the broker. To effectively compare the different offers on the market, here are the elements to take into account:

1. Brokerage fees and custody fees – First, check the brokerage fees charged by each broker and see if they also apply custody fees. Consider looking at the fees for placing orders on the markets that are of particular interest to you.
2. Minimum deposit amount – Another criterion that differentiates one broker from another when it comes to investing in a PEA (French equity savings plan) concerns the minimum amount required when opening the account. Indeed, some brokers do not require any minimum deposit, while others will require a minimum amount to open the plan.
3. Available assets – Of course, not all brokers offer access to all markets. Therefore, you should check that the stocks, ETFs, or other funds that interest you are indeed accessible through your broker before opening your PEA (French equity savings plan).
4. Available products and services – It is also important to check what products and services this broker offers. These may include stock screeners, online training, or market analysis tools, all of which are useful for developing a winning investment strategy.
5. The trading platform – Your online stock market orders must be placed through a trading platform. This is a software program, usually accessible online from a computer or mobile device, and can vary from one broker to another. Here, we will compare both the user-friendliness and ease of use of this platform, as well as the tools it offers, including advanced charting features.
6. Customer service – If you encounter a problem placing an order, or simply need to contact an advisor for advice or to answer a question, you should ensure the quality and responsiveness of your online broker's customer service. Specifically, check the customer service hours and whether they are available in French.

Conclusion – Is it Interesting to Open a PEA?

Finally, and after studying how much a PEA yields, we can conclude that the stock savings plan remains a profitable investment in 2025. Indeed, the average return of a PEA, as well as the performance of the stock markets, remains much higher than what most other investment products offer.

Regulated savings books in particular have seen their interest rates drop over the years and are less and less popular with individuals.

Finally, note that the PEA makes it possible to make both active or passive, direct or indirect investments, and that it benefits from a tax regime.vantageuse that deserves your attention. To the question "Is it worth opening a PEA?" our answer is therefore "Yes!"
You wish to open a PEA or transfer an existing PEA to a more advanced brokervantageux but don't know which intermediary to choose? Ask us for advice by leaving us a comment!

What is the Expected Return on a PEA?

If it is difficult or even impossible to know precisely how much a PEA brings in, it is possible to expect a return of between 3 and 6% on average and per year. This yield will indeed vary according to the values ​​that make up the savings plan in action by comparing the dividends received with the amount of capital held. The yield does not take into account the capital gains that may be added to this profitability.

What does a PEA report?

The PEA is a tax envelope and a stock market investment product that allows you to earn money in different ways. It is thus possible to generate a return by receiving dividends in exchange for stock market securities held or interest on investment funds, but it is also possible to realize, in addition, capital gains by reselling its securities at a higher price than the price at which they were purchased.

✔️ What is the interest of a PEA?

There are differentvantages to open a PEA or stock savings plan. Of course, the first is that it allows direct investments in the shares of listed or unlisted companies, which is not the case with other long-term investment products such as life insurance contracts. . In addition and apart from any custody fees or account maintenance fees, the PEA does not include any additional fees and offersvantages tax.

What PEA Rate?

Note that all gains made from a PEA, whether dividends received or capital gains realized, are exempt from income tax if they are not withdrawn from the plan during its first 5 years. They are simply subject to social security contributions amounting to 12.8%. It is therefore a very attractive investment product for tax purposes.

How to Invest Well in PEA?

Investing well in a PEA requires buying and selling stock market securities at the best time, so as to generate dividends and capital gains. The only rule to follow is therefore to have a hollow nose and not to withdraw money for 5 years from the date of opening of the plan. It will then be possible to make withdrawals without income tax and to reinvest with a limit of €150 of contribution or €000 for a PEA of a married or PACS couple.

Do you have a PEA and would like to share your experience with us regarding its profitability? Do not hesitate to share your experience with other investors by leaving a comment!