In France, you can hold a share dealing account at your bank, with a stockbroker, or on the internet. Jennie Poate at Ark Capital, a company of Independent Financial Advisers specialising in wealth preservation and management, tax, financial and succession planning, explains more…
The normal safe custody account is called a “Compte Titres”. A share is an “action” and a Government or Corporate Bond is an “obligation”.
Most people deal in shares through a specific form of investment called a “Plan d’Epargne en Actions” or PEA. This account allows you to hold and deal in French and European shares and provides considerable tax advantages ON CONDITION THAT no withdrawals are made for the first five years.
In that case, no tax is payable on dividends nor gains, during the five year period of saving, and the withdrawal of the sum is then free of Capital Gains Tax, with only the inevitable “social taxes” being payable at 15.5% of the total gain.
Withdrawals between 5 and 8 years must be made in one lump and the account closed. However, if the account is not touched for 8 years, it can then be left open and partial withdrawals can be made indefinitely.
If you’d like to find out more or have questions about how to maximise your investments, contact Jennie Poate at: jennie@ark-wm.com to find out more and arrange a consultation.
The information contained herein is provided for general guidance and informational purposes only, based on our understanding as of the date of publication. It does not constitute financial, legal, tax, or investment advice, nor should it be relied upon as a basis for making financial decisions. Ark Capital accepts no liability for any loss arising from reliance on the content of this document. Where necessary, professional advice should always be sought.
Ark Capital is licensed to provide financial investment advisory services under the Markets in Financial Instruments Directive (MiFID) and holds a CIF licence, reflecting our commitment to delivering transparent, personalised investment solutions. We are also authorised under the COA to offer insurance and reinsurance services designed to protect our clients’ wealth. Registered in France under licence number 22000690, Ark Capital operates in full compliance with European regulatory standards.
Ark Capital is a cross-border wealth management firm dedicated to empowering expatriates and international clients with expert financial strategies. Founded in 2021 and headquartered in Rouen, we combine French heritage with global reach to deliver personalised advice in investments, pensions, insurance, real estate, and tax planning. With a strong regulatory foundation and a client-first approach, we offer comprehensive services including wealth management, retirement planning, life and medical insurance, and tax-efficient solutions backed by digital tools and multi-jurisdictional expertise.
