For a long time reserved for autonomous investors, the Equity Savings Plan (PEA) is gradually opening to managed portfolios. Inspired by the success of life insurance, this approach allows the entire management of one’s portfolio to be delegated to professionals, with an allocation tailored to one’s risk profile and investment horizon. A tempting solution on paper, especially for savers who lack time, knowledge, or simply the desire to manage their investments themselves.
But not all managed PEA offerings are equal. Between specialized fintechs, online banks and traditional institutions, differences can be significant in terms of fees, accessibility or performance. So, what is the best PEA in managed management in 2026? Here is our comprehensive comparison to help you make the right choice.
Managed PEA: how does it work?
Managed management, also called mandatary management, consists of entrusting the management of your PEA to a professional, usually a management company or a robo-advisor. Concretely, the investor defines upstream their risk profile (conservative, balanced, dynamic, etc.) as well as their investment horizon. Based on these elements, the manager builds and automatically adjusts a PEA portfolio, most often composed of ETFs or funds, without the saver’s intervention.
The main advantage of this management mode lies in its simplicity: no investment decisions to make, everything is automated. It is a solution particularly suitable for beginners in the stock market or investors who want to invest without dedicating time to it.
However, this delegation comes at a cost, with fees generally higher than in free management, which can weigh on long-term performance.
What is the best PEA in managed management for 2026?
If you are considering opening a PEA with managed management, go straight to the point: some offers clearly stand out. We have therefore chosen for you those that seem to us today the most relevant, according to different investor profiles.
Top 4 best PEA in managed management 2026
For those who want a quick answer, here is our selection of the best PEA in managed management in 2026. It gives you a first view of the players to favor, without going into detail yet. Of course, each solution has its own specifics, strengths and limitations. If you want to understand more precisely what differentiates them (fees, management approach, accessibility, etc.), we return to each PEA offer in more detail in the rest of this comparison for the best PEA in managed management 2026.
| Top stockbrokers | Current offers | View offers |
|---|---|---|
| Up to €200 offered + 100% of PEA transfer fees refunded until 30/06/26. Investing carries the risk of loss* | ||
| Up to €500 in fees refunded. Risk of capital loss* | ||
| Transfer fees refunded 2x. Investing carries a risk of loss* | ||
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100% of your transfer fees refunded. Investing carries a risk of loss* |
*See terms on the site.
Comparison of the best PEA in managed management in 2026
How Café de la Bourse carried out this comparison of the best PEA in managed management 2026?
To establish this comparison of the best PEA in managed management in 2026, we applied Café de la Bourse’s usual methodology. The favorable tax treatment of the PEA is common to all PEAs, so we focused on what actually makes the difference between offers.
In other words, beyond the tax envelope, it is the access conditions, the cost, and the quality of management that will determine the interest of a managed PEA.
We thus identified three main criteria to determine the best PEA in managed management 2026:
- The fees of the PEA: this is the first filter. In managed management, they typically include several layers (management, supports, sometimes outperformance). In the long term, a few tenths of a percentage point can make a real difference in the final return.
- The minimum opening amount of the PEA : a criterion often underestimated, but decisive. Some managed PEA offers are accessible from a few hundred euros, while others clearly target a wealthier client base.
- The performance of the PEA : this is obviously the core of the topic in managed management. The objective being to delegate, it is essential to assess the manager’s ability to deliver coherent results over time, even though past performance does not guarantee future results.
It is by cross-referencing these three elements that we built this comparison of the best PEA in managed management, in order to provide a reading that is simple, concrete and useful to guide your choice.
Ranking of the best PEA in managed management 2026: summary table
| Provider | Annual fees | Minimum opening | Performance |
| Yomoni | 1.6 % | €5,000 | +51.4 % over 5 years |
| Ramify | 1 % to 1.4 % | €5,000 | Up to +81.36 % over 5 years (managed) |
| BoursoBank | 1.2 % to 1.6 % | €100 | Up to +30 % over 5 years |
| Fortuneo | 15 % of the manager’s performance | €30 000 | Up to +44.21 % over 5 years |
| Crédit Mutuel | 2 % to 3 % | from €10 000 | not disclosed |
| Caisse d’Épargne | 2 % to 3 % | from €20 000 | not disclosed |
Risk profile of the PEA – comment by Marc:
The risk profiles of these managed PEA solutions are very high, and many providers offer only a single profile. This positioning can be explained simply: as the PEA is limited to eligible assets (mainly European stocks or stock-focused ETFs), it does not allow the inclusion of more defensive asset classes found in other envelopes. The PEA thus mechanically concentrates the most offensive profiles.
Best fintech-managed PEA
PEA Yomoni: a simple and effective managed approach
Yomoni offers a particularly simple and readable approach to the PEA in managed management. The Yomoni PEA offer is accessible from €5,000 and rests on a single principle: a single management, entirely invested in equities via ETFs, with no differentiation of risk profiles. Allocation is automatically driven by the management company, with no investor intervention. This absence of multiple choices is precisely one of Yomoni’s strengths, particularly for savers who wish to delegate management completely without having to arbitrate between different strategies.
In terms of performance, the Yomoni PEA shows about +51.4% over 5 years, placing it among the segment’s benchmarks. With broadly competitive fees and a smooth user experience, the Yomoni PEA appears to be a relevant option for investors seeking simple, effective and fully turnkey managed management.
Ramify: a recommended management that is more flexible and ambitious
Ramify does not offer genuine managed management but a highly attractive advised-management solution. Concretely, you benefit from professional advice but keep the final decision by following or not the advice given. Thus, each operation occurs only after your validation. The Ramify advised-management solution on the PEA is the most performing in our comparison, available from €5,000. On the PEA envelope, Ramify’s offer relies on a single allocation, corresponding to a very dynamic profile (equivalent to profile 10 in life insurance) with a majority exposure to equity markets.
This dynamic allocation logically translates into a high performance potential. Under this strategy, performance reaches 81.36% over 5 years, placing Ramify among the market’s most performing offers. The approach largely relies on ETFs, with active monitoring of the allocation and recommendations for rebalancing submitted for client validation before execution. Ramify thus targets investors willing to accept higher volatility to aim for greater returns, in a simplified advised-management approach on the PEA, and not a classic delegated management under mandate.
Best PEA in managed management online bank
BoursoBank: an accessible yet hybrid managed approach
BoursoBank offers a rather different approach to managed management through what it calls profile-based management. Accessible from €100, the managed PEA allows you to delegate all or part of your PEA to experts, namely Amundi, with four management profiles available according to your risk appetite.
Unlike fintechs, BoursoBank allows combining free management and managed management within the same PEA, which provides flexibility but makes the offer less turnkey. In terms of fees, it sits around 1.2% to 1.6% per year all-inclusive.
*Your capital is at risk. See conditions on the site.
Fortuneo: a more patrimonial under-mandate management
Fortuneo offers a managed under mandate management, more oriented toward a patrimonial clientele. Access is much more selective, with an entry ticket around €30,000, which limits the accessibility of Fortuneo’s managed PEA.
Under-mandate management is entrusted to a specialized company and is primarily based on active funds rather than ETFs, resulting in a more complex fee structure. In practice, expect significant annual fees and possibly a performance fee as well.
If this approach appeals to investors seeking more traditional guidance, observed performances generally lag behind fintech solutions, mainly due to the burden of fees and the choice of investment vehicles.
*Your capital is at risk. See conditions on the site.
Best PEA in managed management with a traditional bank
Caisse d’Épargne: a classic and not very transparent managed management
Caisse d’Épargne offers a managed PEA via a under-mandate management, generally provided by partner management companies (such as VEGA IS). The principle is classic: after defining your risk profile, the portfolio is invested and automatically adjusted, mainly via funds (OPCVM).
Access depends strongly on your profile and your advisor, but in practice you generally need at least €20,000 to access this type of managed PEA.
The Caisse d’Épargne PEA management offering remains fairly under-digitalized, with information often limited online and more detailed in in-person appointments.
As is common with traditional banks, the fee structure is relatively high and not very transparent, which can weigh on performance.
This under-mandate PEA management solution is thus mainly aimed at clients who want to delegate within a classic banking framework with the possibility of a physical meeting, without a particular optimization objective.
Crédit Mutuel: an accessible but fund-oriented managed PEA
Crédit Mutuel also offers a managed PEA, called “managed PEA titles,” based on investment profiles (balanced, dynamic) with an allocation predominantly composed of funds.
The Crédit Mutuel managed PEA is accessible from about €10,000, making it more accessible than some traditional banks. However, for more personalized solutions (under mandate management), the entry ticket can quickly rise to €100,000.
In terms of operation, management is fully delegated to internal experts, but remains not very transparent on performance. As with the Caisse d’Épargne, the use of active funds and the layering of fees can limit net returns in the long term. This offer will suit investors who want to stay in their historical bank, with traditional support, rather than those seeking optimized and competitive management.
How to choose the best PEA in managed management according to your profile?
When choosing a PEA in managed management, it all comes down to what you want to do. If the objective is above all to pursue performance, today it is hard not to look at Yomoni and Ramify, which offer effective approaches with solid overall results over time.
If, on the contrary, you mainly want to start easily, without mobilizing a large capital, a solution like BoursoBank may suffice, with a very accessible entry ticket. Fortuneo’s offering could also be an option, but its higher entry level already reserves it for more patrimonial profiles.
Finally, some investors prefer to stay within a framework they know, with a advisor and more personalized support. In this case, institutions like Caisse d’Épargne or Crédit Mutuel can be relevant, even though this often implies higher fees and a higher entry ticket.
In practice, each solution has its own logic. But if we judge purely from an investment perspective, with a long-term performance logic, fintechs currently take the lead in managed PEA.
All our information is, by nature, generic. They do not take into account your personal situation and do not constitute personalized recommendations for the execution of transactions and cannot be equated to investment advice, nor to any encouragement to buy or sell financial instruments. The reader is solely responsible for using the information provided, and Cafedelabourse.com cannot be held liable. Cafedelabourse.com’s publisher cannot be held liable for any error, omission, or ill-timed investment.
