The securities account is the most flexible vehicle: US equities, bonds, commodities, world ETFs, derivatives... No deposit limits, no geographical constraints. The natural complement to the PEA.
Understanding the mechanics to make the right wealth decisions.
Where the PEA is limited to Europe, the CTO allows investment everywhere in the world: US equities (Apple, Nvidia...), emerging markets, bonds, US REITs, etc.
Gains realised in a CTO are subject to the Flat Rate Tax (PFU) of 30% (12.8% income tax + 17.2% social levies). IR option possible if tax bracket < 11%.
Tax management of a CTO involves regular arbitrages: realising losses to offset gains, or planning gradual exits based on your tax bracket.
The PEA and CTO are not in opposition — they complement each other. Recommended strategy: maximise the PEA first (€150,000, 5-year wait for exemption) for European equities + synthetic world ETFs, then use the CTO for PEA-ineligible markets (physical S&P 500, US REITs, bonds) and for amounts exceeding the PEA ceiling.
Building a diversified portfolio across all global markets, complementary to your PEA.
CTO taxation is actively managed: timing of sales, loss offsetting, donation strategy and inheritance planning.
The same standard, whatever the product: the best quality on the market, chosen for you.
Véloci neither designs nor sells in-house products. Through open architecture, we select the best solutions on the market for you, with no imposed catalogue and no quota, so we have no reason to steer you toward one over another.
Only approved, recognised partners (leading insurers and asset managers), chosen for their strength, the quality of their management and their net-of-fees performance over time.
A single point of contact who follows you at every stage of your financial life, from saving to transmission. A lasting relationship, not a one-off sale.
Full transparency (Engagement Disclosure Document), interests aligned with yours, clear guidance and availability. We aim for the best net-of-fees performance over time, not the lowest headline fee.
