POURQUOI J'AI VIRÉ LE PEA DE MON PORTEFEUILLE

👉 Watch the video presentation of my wealth management service:    • FAQ - Accompagnement Wealthim   *** 1% default rate in 2022. 10% in 2025. Social security contributions raised retroactively. Long-term bonds that no longer offer any protection. French real estate in freefall. The financial world shifted between 2025 and 2026, and most portfolios didn't adapt. As a wealth management advisor, I see portfolios built on unsustainable foundations every week. So I decided to lead by example by rebuilding my own from scratch. 📌 On the agenda: The 4 changes in 2025-2026 that will make your old portfolio obsolete Why I divested from altcoins, long-term bonds, crowdfunding, and French real estate Why I'm closing my PEA (and what the French Ministry of Finance is planning regarding synthetic ETFs) My 2026 portfolio structure: Standard brokerage account + Luxembourg life insurance My core-satellite stock market strategy (geographic ETFs + defensive sectors) How I went from 27 holdings and 14 platforms to 12 holdings and 4 platforms 📈 Sources: Morningstar - Long-term government bonds (Feb. 2026) Janus Henderson - 2026 bond outlook Forvis Mazars barometer - Real estate crowdfunding H1 2025 Le Figaro - Synthetic ETFs in the sights of the French Ministry of Finance (Feb. 2026) LFSS 2026 - Social Security Contributions Increase to 18.6% *** My name is Valentin Chaponnay. Uninvolved bankers, hidden fees, poorly managed taxes... The world of wealth management is opaque. I help you structure your investments with a clear and rigorous strategy to stop losing money without realizing it and grow your net worth. 🔔 Subscribe to stay up-to-date on my upcoming wealth analyses and tax alerts. 🎙️ Find all my videos in podcast format here: https://start.wealthim.com/podcast-va... *** #portfolio #investment #PEA Summary: 00:00 - Introduction 01:11 - Two clients, two unpleasant surprises 02:39 - What I removed from my portfolio 03:25 - Real estate crowdfunding in 2026 05:39 - French real estate and SCPIs 06:33 - Long-term bonds 08:16 - The PEA: the investment vehicle everyone recommends 10:26 - What your ETFs in a PEA really contain 13:03 - Where I put my money now 15:30 - Bitcoin, stablecoins, and European SCPIs 17:02 - What this strategy costs you (and what it earns you) 18:27 - The tax calculation no one shows you