Investment Comparator
Compare net returns after tax across 6 investments: Livret A, LDDS, Life Insurance, PEA, CTO, and SCPI.
Choosing the right investment for your horizon
The best investment depends on your time horizon and tax situation. Short term, regulated savings accounts (Livret A, LDDS) offer security and liquidity. Medium to long term, PEA and life insurance benefit from significant tax advantages. CTO offers total freedom but is subject to the 30% flat tax.
French tax envelopes compared
Livret A is tax-exempt but capped at 22,950 EUR. Life insurance benefits after 8 years from a 4,600 EUR allowance (9,200 EUR for couples) on gains. PEA is exempt from capital gains tax after 5 years (excluding 17.2% social charges). CTO is subject to the 30% flat tax. SCPIs are taxed as property income (TMI + 17.2%).
Gross vs net return: the importance of taxation
A 7% gross return in CTO (30% flat tax) yields 4.9% net. The same 7% in PEA after 5 years yields 5.8% net (17.2% social charges only). Over 20 years, this difference represents tens of thousands of euros. That's why comparing net returns, not gross, is essential.
Frequently asked questions
What is the best investment in 2026?▼
PEA or CTO: which to choose?▼
Is life insurance still worthwhile?▼
What return to expect from SCPIs?▼
Net vs gross return: what's the difference?▼
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