France PEA equity savings plan: holdings under 10% ceiling
France PEA equity savings plan: holdings under 10% ceiling stood at 3,129.4 EUR in 2025, according to Banque de France – Webstat (webstat.banque-france.fr). It is one of the indicators in the Equity savings plans, annual table (Value · Annual), with a complete series running from 2016 to 2025. The complete series with an interactive chart, free to download.
This indicator in the Equity savings plans, annual table
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity savings plan (PEA): average holdings by share of the ceiling used | |||||||||||
| Equity savings plan (PEA): average holdings of plans having paid in less than 10% of the ceiling | 3,129.4 | 4,341.78 | 4,102.11 | 4,483.77 | 4,736.16 | 3,125.62 | 3,205.29 | 3,390.93 | 3,860.64 | 4,051.72 | |
| Equity savings plan (PEA): average holdings of plans having paid in 95% of the ceiling or more | 244,358.42 | 233,508.45 | 238,301.5 | 212,853.4 | 251,222.71 | 221,693.43 | 231,072.97 | 201,083.09 | 242,425.99 | 226,429.47 |
Understanding france PEA equity savings plan: holdings under 10% ceiling
Retail investment accounts where lifetime capital contributions remain below a minor fraction of the regulatory payment threshold form this monetary subgroup. The metric computes the arithmetic mean of total assets held inside these specific portfolios, aggregating both cash balances and the market value of eligible equities and mutual fund units. Accounts with higher accumulated deposits sit outside this specific threshold tier and are categorized separately in the broader distribution. The calculation excludes any capital previously withdrawn, registering only the active portfolio worth at the reference date.
Interpreting this distribution requires caution regarding market price fluctuations versus new contributions. Because equity holdings fluctuate daily, changes in the average asset value reflect both fresh capital allocations and unrealized capital gains or losses. Comparing this cohort directly against portfolios utilizing maximum allowable deposits will distort conclusions about typical household wealth invested through this fiscal vehicle, given the disparate entry scale. Annual tracking provides the most reliable perspective on structural participation shifts, minimizing short-term volatility distortions.
Frequently asked questions
- What distinguishes this metric from other ceiling-share tiers?
- It isolates accounts where lifetime contributions occupy only the lowest bracket of the statutory maximum.
- Does this series track cash balances alongside equities?
- Yes, total holdings combine uninvested cash reserves held within the wrapper and the market valuation of eligible financial instruments.
- Why might average holdings shift without fresh contributions?
- Market price movements alter the valuation of underlying equity securities, shifting the computed average independently of new deposits or withdrawals.