Where to put your money when your Livret A is full?

by

5. The PEA: to start investing in the stock market
If you want to go further than secure investments, the Equity Savings Plan (PEA) is an excellent gateway to the stock market .

The PEA is a regulated securities account which allows you to invest:

in French or European actions ,
or in ETFs (trackers) eligible for the PEA.
It is intended to encourage investment in shares in France and Europe, with a ceiling of €150,000 for a classic PEA.

Why open a PEA after the Livret A?
You can diversify your savings beyond capital-guaranteed products.

PEA ETFs allow you to invest at low cost in hundreds of companies (CAC 40, Europe, world, dividends, etc.).
Taxation is extremely favorable after 5 years : gains (capital gains, dividends) are tax-exempt, only social security contributions (17.2%) remain due.
Things to know before you start⚠️
The capital is not guaranteed : you must accept a share of risk (market variations).
The recommended investment horizon is 5 to 10 years, or even longer.
You can start with a few hundred euros thanks to ETFs, without having to choose the stocks yourself.
5. SCPIs: to diversify into real estate
If your Livret A savings account is full and you are looking for a more profitable investment without buying real estate, SCPIs (Sociétés Civiles de Placement Immobilier) represent a very interesting alternative.

This investment allows you to invest in rental property without management constraints , while receiving regular income.

How do SCPIs work?
SCPIs collect savings from individual investors to acquire and manage real estate (offices, retail, healthcare, logistics, etc.). In return, rents are redistributed in the form of quarterly income, called “real estate dividends.”

You can invest in an SCPI:

directly, from a few hundred euros;
via a life insurance contract or a securities account;
in dismemberment or on credit depending on your wealth strategy.
In 2025, the best SCPIs will post net returns of between 3% and 6.5%, well above those of regulated savings accounts. These figures demonstrate a dynamic recovery in the sector after a year marked by investor caution in 2023.

Things to know before investing⚠️
The capital is not guaranteed : the value of the shares may vary upwards or downwards.
Liquidity is limited : reselling your shares may take several weeks or months.
Entry fees are to be expected on certain SCPIs, except for SCPIs without fees such as Iroko.

Leave a Comment