Here are the index funds I currently own, here in France. None of them is concerned by a required minimum (100K or lower).
- VEUR : from Vanguard, FTSE Europe large caps, 0.12% expense ratio. Fits in a PEA.
- DJSC : from iShares, Dow Jones small caps Europe, 0.40% expense ratio. Fits in a PEA.
- ACWE : from SPDR, all country world index, 0.40% expense ratio. Does *not* fit in a PEA since most stocks aren't from Europe.
- AEEM : from Amundi, MSCI emerging markets, 0.20% expense ratio. Fits in a PEA, but this is not a physical replication of the index : it relies on a swap.
There are other options, but these are the best IMHO. Others are either too expensive, rely on a swap (AEEM does, but it is difficult to be invested in EM without them), don't fit in the tax efficient PEA even when they should (which is very suspicious) or would mean having too much concentrated with one seller.
If I had to own only one, that would be either VEUR (hey, it's the beloved Vanguard and it fits in PEA but it's limited to Europe) or ACWE (worldwide but less tax efficient).
You can't withdraw money before the first 5 years without losing the tax advantages, and if you withdraw money after that you can't buy shares on your PEA anymore (I really don't understand this last rule. To my ears it is as good as "don't withdraw an amount that is not prime on a full-moon night without wearing a hat").
That's because the PEA is conceived as an enveloppe where you invest for a long period, then withdraw once you have achieved your investing goal (whether that's buying a new house, a new house, or retiring). It is not conceived for buying shares, selling some of them, buying some more, etc.
But if you hold on the long term, the "compte-titres" is not as awful as many think : anything you hold longer than 2 years or, even better, 8 years, is taxed much less than if you sell earlier.