{"id":36504,"date":"2014-02-24T09:12:58","date_gmt":"2014-02-24T08:12:58","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/placements\/pea-assurance-ou-pea-de-banque-quel-compte-choisir.html"},"modified":"2025-09-26T12:43:45","modified_gmt":"2025-09-26T10:43:45","slug":"pea-assurance-ou-pea-de-banque-quel-compte-choisir","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/bourse\/a\/pea-assurance-ou-pea-de-banque-quel-compte-choisir","title":{"rendered":"PEA assurance ou PEA de banque, quel compte choisir ?"},"content":{"rendered":"<section class=\"l-section wpb_row height_small\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2><span class=\"ez-toc-section\" id=\"PEA_bancaire_PEA_assurance_les_points_communs\"><\/span>PEA bancaire, PEA assurance, les points communs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le PEA, qu&rsquo;il soit bancaire ou assurance, est soumis au m\u00eame plafond de d\u00e9p\u00f4ts. <a href=\"https:\/\/www.toutsurmesfinances.com\/bourse\/a\/pea-plafond-de-versements-a-150-000-euros\" target=\"_blank\" rel=\"noopener noreferrer\">Une limite qui a \u00e9t\u00e9 port\u00e9e \u00e0 150.000 euros au 1er janvier 2014<\/a>. Quelle que soit sa nature, un PEA reste un PEA : il n&rsquo;est pas possible de d\u00e9tenir un compte PEA en banque et un PEA assurance par personne, la loi interdisant de d\u00e9tenir plus d&rsquo;un PEA. Au sein d&rsquo;un foyer fiscal, la limite est fix\u00e9e \u00e0 deux PEA en tout et pour tout. Enfin, les grands principes du PEA sont identiques sous toutes ses formes : il faut investir dans des valeurs europ\u00e9ennes (75% minimum s&rsquo;agissant d&rsquo;OPCVM) et en l&rsquo;absence de retrait, dividendes et plus-values r\u00e9alis\u00e9s \u00e0 l&rsquo;int\u00e9rieur du plan sont exon\u00e9r\u00e9s d&rsquo;imp\u00f4t.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PEA_assurance_PEA_bancaire_quelles_differences\"><\/span>PEA assurance, PEA bancaire, quelles diff\u00e9rences ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La diff\u00e9rence entre les deux PEA est \u00e9vidente : si le PEA classique s&rsquo;ouvre dans une banque, vous ne pouvez proc\u00e9der \u00e0 l&rsquo;ouverture d&rsquo;un PEA assurance qu&rsquo;aupr\u00e8s d&rsquo;une compagnie d&rsquo;assurance, comme son nom l&rsquo;indique. Techniquement, l&rsquo;enveloppe du PEA assurance est ainsi associ\u00e9e \u00e0 un contrat de capitalisation alors que le PEA bancaire est muni d&rsquo;un simple compte en esp\u00e8ces. Cette diff\u00e9rence entra\u00eene des cons\u00e9quences en cascade en faveur du PEA assurance :<br \/>\n&#8211; apr\u00e8s avoir engrang\u00e9 une plus-value, le fonds de repli du PEA assurance o\u00f9 votre \u00e9pargne est plac\u00e9e en attente avant de r\u00e9investir est g\u00e9n\u00e9ralement un fonds mon\u00e9taire qui rapporte (un peu) au lieu de dormir sur le compte esp\u00e8ces non r\u00e9mun\u00e9r\u00e9 du PEA bancaire<br \/>\n&#8211; l&rsquo;\u00e9pargne est partiellement disponible, il suffit de demander une avance (moyennant des int\u00e9r\u00eats pay\u00e9s \u00e0 la compagnie)<br \/>\n&#8211; pour les investisseurs soumis \u00e0 l&rsquo;ISF, seuls les versements entrent dans le calcul du patrimoine taxable alors que les gains sont \u00e9galement inclus dans un PEA bancaire<br \/>\n&#8211; le rachat partiel avant 8 ans n&rsquo;entra\u00eene pas la cl\u00f4ture totale, le solde de l&rsquo;\u00e9pargne \u00e9tant transf\u00e9r\u00e9 sur le contrat de capitalisation, l\u00e0 o\u00f9 le PEA bancaire est automatiquement cl\u00f4tur\u00e9. Le r\u00e9gime fiscal du contrat de capitalisation prend alors le relais.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PEA_assurance_les_inconvenients\"><\/span>PEA assurance : les inconv\u00e9nients<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Avec de tels avantages, le PEA assurance aurait pu devenir un outil patrimonial utilis\u00e9 assez couramment pour la client\u00e8le patrimoniale. Mais son utilisation est rest\u00e9e marginale, pour deux raisons principales :<br \/>\n&#8211; le PEA assurance supporte des frais de gestion annuels de 0,6% \u00e0 1% \u00e0 comparer \u00e0 seulement 0,10% de droits de garde pour un PEA bancaire<br \/>\n&#8211; le PEA assurance n&rsquo;est pas aussi performant que le PEA bancaire : un ordre de bourse est ex\u00e9cut\u00e9 en temps r\u00e9el ou presque en environnement bancaire mais seulement \u00e0 J+1 chez une compagnie d&rsquo;assurance vie. Dans les faits, cela limite l&rsquo;utilisation du PEA assurance aux OPCVM alors que le PEA bancaire est plus souple et \u00e0 privil\u00e9gier pour investir en direct sur des actions.<\/p>\n<p><strong>Comparez et choisissez la meilleure offre de PEA gr\u00e2ce \u00e0 notre <a href=\"https:\/\/www.toutsurmesfinances.com\/bourse\/tool-comparateur-pea-cto?utm_source=tsmf&amp;utm_medium=article_pea-assurance-ou-pea-banque&amp;utm_campaign=comparateur-pea-cto\">comparateur d&rsquo;offres de PEA<\/a>. D\u00e9couvrez les offres d\u00e8s maintenant.<\/strong><\/p>\n<p><strong>\u00c0 lire \u00e9galement sur le PEA PME<\/strong><\/p>\n<p><a href=\"https:\/\/www.toutsurmesfinances.com\/bourse\/a\/pea-pme-conditions-fonctionnement-et-fiscalite-du-pea-dedie-aux-pme-eti\" target=\"_blank\" rel=\"noopener noreferrer\">PEA-PME : conditions, fonctionnement et fiscalit\u00e9 du PEA d\u00e9di\u00e9 aux PME-ETI<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>COMPARATIF La r\u00e9forme du plan d&rsquo;\u00e9pargne en actions (PEA) voulue par Fran\u00e7ois Hollande ne s&rsquo;applique pas qu&rsquo;au PEA bancaire. Le PEA assurance b\u00e9n\u00e9ficie lui aussi du rel\u00e8vement du plafond de versements 132.000 \u00e0 150.000 euros par d\u00e9tenteur et de la cr\u00e9ation du PEA PME. L&rsquo;occasion de revenir sur ses sp\u00e9cificit\u00e9s.<\/p>\n","protected":false},"author":13709,"featured_media":49478,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[125],"tags":[],"class_list":["post-36504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comment-investir"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PEA assurance ou PEA de banque, quel compte choisir ? - Bourse<\/title>\n<meta name=\"description\" content=\"Il est possible d&#039;ouvrir un PEA aupr\u00e8s de sa banque mais aussi de sa compagnie d&#039;assurance. 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