https://lejournalfinance.com/en/ The personal investing journal: PEA, life insurance, euro funds, PER, private equity and real estate, explained without jargon. en-USWed, 21 Oct 2026 00:00:00 +0000 https://lejournalfinance.com/en/blog/declaring-a-foreign-crypto-account/ Thu, 15 Oct 2026 00:00:00 +0000 https://lejournalfinance.com/en/blog/declaring-a-foreign-crypto-account/ Le Journal Finance editorial team An account on a crypto platform based outside France must be declared every year with form 3916-bis. Who is affected and how to do it. https://lejournalfinance.com/en/blog/etf-closure-what-happens/ Thu, 15 Oct 2026 00:00:00 +0000 https://lejournalfinance.com/en/blog/etf-closure-what-happens/ Le Journal Finance editorial team Liquidation or merger: what happens to your money when an issuer closes an ETF, and the consequences depending on the account, PEA or securities account. https://lejournalfinance.com/en/blog/lmnp-resale-depreciation-added-back/ Thu, 15 Oct 2026 00:00:00 +0000 https://lejournalfinance.com/en/blog/lmnp-resale-depreciation-added-back/ Le Journal Finance editorial team Since France's 2025 budget law, depreciation deducted under LMNP increases the taxable capital gain on resale. Who is affected and what it changes. https://lejournalfinance.com/en/blog/real-estate-crowdfunding-late-repayment/ Thu, 15 Oct 2026 00:00:00 +0000 https://lejournalfinance.com/en/blog/real-estate-crowdfunding-late-repayment/ Le Journal Finance editorial team Extensions, late interest, guarantees: what happens when a real estate crowdfunding project does not repay on the planned date. https://lejournalfinance.com/en/blog/private-equity-j-curve/ Wed, 14 Oct 2026 00:00:00 +0000 https://lejournalfinance.com/en/blog/private-equity-j-curve/ Le Journal Finance editorial team Why a private equity fund often shows negative performance in its first years, and when it turns around. https://lejournalfinance.com/en/blog/per-non-taxpayers-deducting-contributions/ Tue, 13 Oct 2026 00:00:00 +0000 https://lejournalfinance.com/en/blog/per-non-taxpayers-deducting-contributions/ Le Journal Finance editorial team If you pay no income tax, deducting PER contributions brings nothing and increases tax on exit. The non-deduction option changes the picture. https://lejournalfinance.com/en/blog/euro-fund-bonus-rate-conditions/ Mon, 12 Oct 2026 00:00:00 +0000 https://lejournalfinance.com/en/blog/euro-fund-bonus-rate-conditions/ Le Journal Finance editorial team Boosted rate on the euro fund: minimum share in unit-linked funds, limited duration, deposit amount. What to check before subscribing. https://lejournalfinance.com/en/blog/finding-a-deceased-relatives-life-insurance/ Sun, 11 Oct 2026 00:00:00 +0000 https://lejournalfinance.com/en/blog/finding-a-deceased-relatives-life-insurance/ Le Journal Finance editorial team AGIRA and Ciclade: the two free procedures to find out whether you are the beneficiary of a French life insurance contract after a death. https://lejournalfinance.com/en/blog/opening-a-pea-early-to-start-the-clock/ Sat, 10 Oct 2026 00:00:00 +0000 https://lejournalfinance.com/en/blog/opening-a-pea-early-to-start-the-clock/ Le Journal Finance editorial team The PEA's 5-year tax period starts with the first deposit. Opening a plan early, even with a small amount, saves time.