Best Portfolio Tracker for France Investors

One dashboard for your PEA, assurance-vie, CTO, and international holdings — built for France-based investors who think globally.

Why tracking investments in France is different

France has a distinctive investment landscape shaped by tax-advantaged wrappers that exist nowhere else in the world. The Plan d'Epargne en Actions (PEA) and the assurance-vie are the two dominant vehicles for French investors, each with its own tax benefits, restrictions, and provider ecosystem. Add a Compte-Titres Ordinaire (CTO) for international stocks, a growing appetite for US-listed ETFs, and the emergence of online brokerages like Boursorama and Fortuneo, and you have a retail investment culture that is more active and more globally minded than it was a decade ago. French investors are increasingly looking beyond the CAC 40 and European markets.

The complexity for France-based investors is structural. A typical portfolio might include an assurance-vie with one provider, a PEA at another, a CTO for US equities at a third, and perhaps an employer-sponsored PEE or PERCO retirement plan. Each account has different tax treatment, different reporting, and different investment options. The PEA is limited to European-domiciled securities. The assurance-vie wraps investments in an insurance contract with its own fee structure. The CTO is fully taxable. Seeing the total picture across these wrappers, plus any international holdings from a prior life abroad, requires manual aggregation that grows more painful with every account you add.

FlashFi is a multi-currency portfolio tracker that gives France-based investors a single consolidated dashboard across every account and every currency. Whether you hold a PEA at Boursorama, an assurance-vie at Linxea, a CTO at DEGIRO, and a pension from a previous employer abroad, FlashFi brings everything together with real-time FX rates and net worth tracking in EUR or any base currency you choose. No bank linking, no credential sharing — just one clear view of your total wealth.

Key challenges for France investors

Fragmented tax wrappers with different rules

French investors typically spread holdings across a PEA, one or more assurance-vie contracts, a CTO, and possibly an employer-sponsored PEE or PERCO. Each wrapper has different tax treatment, different contribution limits, and different eligible investments. The PEA offers tax-free gains after five years but is restricted to European securities. The assurance-vie has its own tax schedule based on contract age. The CTO is subject to the flat tax on all gains. No single provider dashboard shows your total wealth across all of these vehicles.

Flat tax and assurance-vie age brackets create planning complexity

France's Prelevement Forfaitaire Unique (PFU) applies a flat 30% tax (12.8% income tax plus 17.2% social charges) on investment income from CTOs. But assurance-vie contracts older than eight years benefit from a reduced rate after an annual allowance, and PEA gains are exempt from income tax after five years (though social charges still apply). Understanding your effective tax rate across different accounts requires knowing the age and type of each wrapper — information that is scattered across multiple provider dashboards.

Growing international exposure in USD and GBP

French investors are increasingly buying US-listed ETFs, individual US tech stocks, and global funds denominated in currencies other than EUR. The CTO is the primary vehicle for non-European investments, and platforms like DEGIRO, Interactive Brokers, and Saxo make international access straightforward. But tracking the EUR value of USD and GBP holdings alongside PEA and assurance-vie positions requires currency conversion that most French brokerage dashboards do not handle at the total-portfolio level.

Expat complexity in both directions

France has a large inbound expat community in Paris, Nice, Lyon, and the Riviera, many of whom arrive with investment accounts and pensions from their home countries. At the same time, French citizens living abroad maintain their PEA and assurance-vie contracts under specific rules that change depending on the destination country. In both cases, a cross-border financial life means holdings scattered across multiple jurisdictions, currencies, and tax regimes — exactly the fragmentation that generic single-country portfolio tools cannot handle.

How FlashFi helps France investors

EUR-Native Dashboard

View your entire portfolio in euros with automatic real-time conversion from USD, GBP, CHF, and 30+ other currencies. FlashFi shows you the true euro value of your global holdings at all times, in the currency that matters for your French tax declarations.

Track PEA, Assurance-Vie, and CTO Together

Create a unified view across all your French tax wrappers and international accounts in one place. See your PEA, assurance-vie, CTO, PEE, and foreign holdings consolidated into a single net worth figure regardless of which providers hold them.

No Account Linking Required

FlashFi works with any broker or platform through manual portfolio entry. Track holdings from Boursorama, Fortuneo, Bourse Direct, Saxo, DEGIRO, Interactive Brokers, BNP Paribas, or any international broker without sharing login credentials or granting API access.

Real-Time FX Impact

See exactly how EUR/USD and EUR/GBP movements affect the euro value of your international holdings. FlashFi separates asset performance from currency impact so you understand whether your CTO returns came from the market or from exchange rate movements.

Frequently asked questions

Can I track my PEA and assurance-vie in FlashFi?

Yes. You can create separate portfolios for your PEA, assurance-vie, and CTO in FlashFi to see them all alongside each other and any international holdings. This gives you a unified net worth view across every French tax wrapper and foreign account, regardless of which providers hold them.

Does FlashFi show my portfolio in EUR?

Yes. Set EUR as your base currency and FlashFi will convert all holdings to euros using live exchange rates. You can also view individual positions in their native currency to understand your actual exposure to USD, GBP, CHF, and other currencies within your CTO or international accounts.

I'm an expat in France — can FlashFi help me?

Absolutely. FlashFi is built for people whose financial lives cross borders. If you have moved to France and hold a UK ISA, a US 401(k), or investments from a previous country alongside your new French accounts, FlashFi consolidates everything in one dashboard. Set your display currency to EUR or your home currency, and see your full picture instantly.

How does FlashFi help with the flat tax calculation?

FlashFi tracks your holdings and their performance across accounts, giving you visibility into gains in your CTO that would be subject to the PFU. While it does not generate tax forms directly, having a clear consolidated view of which gains sit inside tax-advantaged wrappers like the PEA and assurance-vie, and which are in your taxable CTO, makes tax planning significantly easier throughout the year.

How is FlashFi different from Finary or other French portfolio trackers?

Most French portfolio apps focus on account aggregation through bank linking, which means they only work with supported French banks and break when providers change their APIs. FlashFi uses manual entry, which means it works with every brokerage in France and internationally — including foreign pensions, employer plans, and platforms that no aggregator supports. For investors with accounts across multiple countries and currencies, FlashFi gives a more reliable and more complete view.

By David Brougham