Which platform to choose for your Stock Savings Plan in 2025?
The Stock Savings Plan (PEA) is a popular investment tool in France. With Trade Republic entering this market, it's time to compare its offer with that of Boursobank, an established player. Let's discover together the advantages and specificities of each platform.
Before diving into the details, here's how you can benefit from advantages when opening an account with one of these brokers:
The PEA is a French tax wrapper that allows investing in the stock market while benefiting from tax advantages. After 5 years, gains are only subject to social contributions of 17.2%, compared to 30% on a regular trading account. It allows investment in European stocks and eligible ETFs.
Trade Republic launches its PEA on January 9, 2025, bringing its innovative approach to this traditional investment product.
Boursobank, formerly known as Boursorama Banque, is an established player in the field of online PEAs.
Boursobank offers the possibility to take out a Lombard loan based on the ETFs in your PEA, allowing you to multiply your investments. This option is not available at Trade Republic.
These competitive fees make Boursobank an attractive option for active investors looking to minimize their costs while benefiting from a comprehensive platform.
Trade Republic stands out for its low fees and innovative approach, while Boursobank offers a more comprehensive but potentially more expensive experience. The choice will depend on your investor profile and specific needs.
Beyond the basic features, Boursobank and Trade Republic offer advanced tools to meet the needs of more experienced investors.
Boursobank distinguishes itself with its offer of technical analysis tools, advanced stock screeners, and the possibility of a Lombard loan. The latter allows investors to increase their investment capacity by using their ETFs as collateral, a particularly interesting option for investors looking to optimize their strategy.
Although Trade Republic doesn't offer such advanced analysis tools, its strength lies in its simplicity and innovation. Its programmed investment plans allow for a very effective passive investment approach, ideal for investors who prefer a 'set and forget' strategy.
If you decide to transfer your existing PEA to Trade Republic, here are the steps to follow:
Boursobank is particularly suitable for active and experienced investors who appreciate a wide range of analysis tools and financial products. If you're interested in frequent trading, in-depth technical analysis, or if you're considering using more complex investment strategies like Lombard loans, Boursobank could be the ideal choice.
Trade Republic is perfectly suited for beginners or those who prefer a passive, long-term investment approach. If you're looking for an easy-to-use platform with very low fees and the ability to automate your investments, Trade Republic could be the ideal solution for you.
Ultimately, the choice between Boursobank and Trade Republic for your PEA will depend on your investor profile, financial goals, and investment style. Boursobank offers a comprehensive platform with advanced tools and great flexibility, ideal for active and experienced investors. Trade Republic, on the other hand, stands out for its simplicity, low fees, and innovative approach, making it an excellent choice for beginners or those who prefer passive portfolio management. Whatever your decision, both platforms offer interesting opportunities to optimize your investments through a PEA. Don't forget to take advantage of the referral offers to maximize your benefits when opening your account.
Ilane Lopez
Founder / CTO
