[Phil]

Good morning,

Of course you have to diversify, but with a PEA it's very difficult when you're focused on dividend aristocrats:
– FR shares do not have a strong dividend history, but the advantage is that there is no withholding tax on dividends.
– some European stocks are very nice but the withholding tax on dividends hurts in the context of a PEA. -10% -15% on your return…

And it is not possible to have US shares in a PEA, only European ones.

Sincerely,

[Phil]

Good morning,

I confirm the difficulty in finding good companies with a long history of increasing dividends for a PEA.
It is true that you can choose European companies, but be careful with the withholding tax on the dividend: in many foreign countries, when the dividend is paid, a withholding tax is levied (generally around fifteen %).
Within the framework of a securities account, one can benefit from a tax credit allowing one to recover part (or all depending on the country) of the withholding tax.
But in a PEA, you are not entitled to it: this deduction is lost…

Sincerely,

[Author]

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