When and how to withdraw?

Withdrawals from a PEA depend on the duration of the plan:

Before 5 years: Withdrawal leads to the closing of the PEA and taxation on the gains.

After 5 years: Partial withdrawal possible without closing, earnings exempt from income tax.

After 8 years: Possibility of regular withdrawals while maintaining the active plan.

Concrete example:

Jean has a 10-year PEA. He can withdraw a part of his capital each year to finance a real estate project without losing the tax advantages on the rest of his portfolio.

Tip:

To optimize the PEA, plan the withdrawals according to your projects and your investment horizon in order to maximize the advantageous taxation of the plan.