Mon Petit Placement
Mon Petit Placement is a Lyon-based French fintech operating a digital investment platform that democratizes access to curated investment portfolios for over 200,000 French retail investors, with €300M+ in assets under management distributed through assurance-vie and PER envelopes via insurance partners.
- Company typePrivate
- Founded2017
- HeadquartersÉcully, France
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Mon Petit Placement does
Mon Petit Placement is a Lyon-based French fintech founded in 2017 by Thomas Perret that operates a digital investment platform designed to democratize access to investment products traditionally reserved for high-net-worth clients at French private banks. The company serves over 200,000 individual retail investors across France, enabling them to invest from €300 entry minimum and €100 monthly contributions through three core risk-profiled portfolios — Plan B (low-risk, euro-guaranteed), Ambitieux (medium-risk, ~8% annualized target), and Intrépide (high-risk, ~12% annualized target) — alongside ten thematic portfolios covering Space, Environment, Tech, Health, Real Estate, Gold, Solidarity, and other themes. The platform's proprietary portfolio construction algorithm selects funds from boutique asset managers not managing tens of billions, using granular sector and geographic analysis rather than index investing.
Technically, the platform runs on AWS-hosted cloud infrastructure in France with Cloudflare WAF security, Keycloak authentication, Universign for electronic signatures, and Notion for internal knowledge management. Customer-facing distribution is fully digital via web application and native iOS/Android mobile apps, with an advisor-assisted hybrid model providing 7/7 chat support, video-based investment advice, and scheduled telephone consultations. The company integrates with three insurance partners — Generali, APICIL, and La France Mutualiste — through which assurance-vie and PER (Plan Épargne Retraite) envelopes are distributed, with customer contracts held at partner insurers while MPP acts as ORIAS-registered insurance broker (COA) and banking/payment services broker (IOBSP).
Commercially, Mon Petit Placement operates a hybrid revenue model combining (1) retrocessions from insurance partners (0.5-0.85% on euro funds, ~1.2% on unit-linked asset management fees) and (2) performance-based commissions on unrealized gains above the portfolio's all-time high (high-water-mark), with degressive rates based on invested amount and referral-driven sponsored users. The company charges no entry, exit, or arbitration fees on standard products, with a 15% first-year discount code 'BONPLAN15' for customer acquisition. The platform is majority-owned by Malakoff Humanis (affiliated with La France Mutualiste via SGAM), which the company transparently discloses as a potential conflict of interest. Total disclosed funding stands at approximately €18.7M across four rounds since 2020, with the company targeting financial balance by 2025.
Mon Petit Placement firmographics
Firmographics- Name
- Mon Petit Placement
- Legal name
- Mon Petit Placement
- Website
- https://monpetitplacement.fr
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Mon Petit Placement is a Lyon-based French fintech operating a digital investment platform that democratizes access to curated investment portfolios for over 200,000 French retail investors, with €300M+ in assets under management distributed through assurance-vie and PER envelopes via insurance partners.
- Ownership category
- akta.pro rank
Mon Petit Placement industry classification
Industry- Product category
- Retail Investment Brokerage
- NAICS
- Portfolio Management and Investment Advice (52394)
- SIC
- Investment Advice (6282), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM)
- akta.pro secondary industry
- Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)
Keywords
Where Mon Petit Placement is headquartered
LocationHeadquarters
- HQ city
- Écully
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Mon Petit Placement business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Performance Commission: Quarterly commission on unrealized gains only when portfolio value exceeds its previous all-time high (high water mark). Rate is degressive based on invested amount and downline (sponsored users). This is the primary revenue stream aligning company interests with client performance.
- Retrocessions from Partners: Commissions paid by insurance partners (Generali, Apicil, La France Mutualiste) and asset management firms for bringing business. Insurance management fees: 0.5% annually for units of account, 0.77% for France Mutualiste euro fund, 0.85% for Apicil and Generali euro funds. Asset managers charge approximately 1.2% annually in management fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Annual | Insurance Vie - Management Fees |
| Hybrid | Annual | PER - Management Fees |
| Outcome Based/ Performance | Quarterly | Performance Commission |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Mon Petit Placement product offering
Product offeringCore offering
Mon Petit Placement is a French digital investment platform that distributes curated, risk-graded managed portfolios (Plan B, Ambitieux, Intrépide) and thematic investment vehicles (Spatial, Environment, Tech, Health, Real Estate, Gold, Cocorico, Emploi, Solidarité, Impacts, Relance, Égalité) to individual investors. Portfolios are subscribed to within Assurance-vie or PER retirement envelopes and are backed by partner insurers including Generali, APICIL, and La France Mutualiste, with a €300 minimum investment. The company is registered as an insurance (COA) and banking/payment services (IOBSP) broker with ORIAS, and applies a performance-based fee on client gains.
Product overview
Mon Petit Placement is a digital investment platform offering three core investment portfolios (Plan B low-risk, Ambitieux medium-risk, and Intrépide high-risk) and over ten thematic investment portfolios including Spatial, Environment, Tech, Health, Real Estate, Gold, and Solidarity themes. The platform operates through two main investment envelopes: assurance-vie (life insurance) and PER (retirement savings plan), with contracts held through partner insurers Generali, APICIL, and La France Mutualiste. The minimum investment is €300 with €100 monthly contributions. The company also provides educational content through its 'En Place' media platform and a mobile application for iOS and Android. Founded in 2017 and based in Lyon, the company had over 200,000 users and €300 million in assets under management as of 2026.
Differentiator
Problem solved
Functional benefit
Brands
- En Place - Le Média: The company's editorial media brand providing financial education content.
Products and services
- Plan B (defensive portfolio)
- Ambitieux (balanced portfolio)
- Intrépide (dynamic portfolio)
- Thematic Portfolios (Spatial, Environment, Tech, Health, Real Estate, Gold, Cocorico, Emploi, Solidarité, Impacts, Relance, Égalité)
- Assurance-vie envelope (adult and minor)
- PER (Plan d'Épargne Retraite)
- Mon Petit Placement mobile application (iOS / Android)
Quantifiable outcome
- +16% net return in 2025 for Ambitieux portfolio
- +4 more outcomes
Companies that use Mon Petit Placement
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles1 record
Mon Petit Placement technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature3 records
Mon Petit Placement partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- GeneralicorePrimary insurance partner where customer assurance-vie contracts are held. Offers euro-denominated funds (Netissima, Trésorerie) and structured products. Management fee of 0.85% for euro funds.
- APICILcoreInsurance partner offering euro-denominated funds (Euro Garanti, Trésorerie GA, Trésorerie P). Management fee of 0.85% for euro funds. Customer contracts held at APICIL.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Mon Petit Placement competitors and assessment
Company assessmentBroad incumbents
- BforBank: Crédit Agricole's online bank with assurance-vie, CTO and savings products; competes for the same digitally-engaged French retail investor with broader banking infrastructure.
- Boursorama Banque: Société Générale's online bank and brokerage, offering assurance-vie, PEA and CTO at very low cost; competes directly for French retail investors but inside a much broader banking portfolio.
- Fortuneo Banque: Online banking subsidiary of Arkéa offering assurance-vie, CTO and PEA; comparable French retail-investor proposition as part of a broader digital bank.
- Wealthcome (by Société Générale): Société Générale's robo-advisory offering under its online brokerage; directly comparable digital investment product offered as part of a much larger bank's distribution.
Others
- Linxo: French personal finance management and account-aggregation platform; adjacent in customer base and digital money-management UX, but focused on PFM rather than investment products.
- Harvest: French fintech providing wealth-management software and digital-advisory tooling to advisors; an ecosystem/technology enabler for the same wealth-management value chain rather than a consumer competitor.
Direct peers
- Yomoni: French robo-advisor offering model-portfolio assurance-vie and PER with low minimums and a digital onboarding flow — the closest direct competitor in product, customer segment and regulatory wrapper.
- Nalo: Paris-based robo-advisor providing personalized, life-cycle-driven investment portfolios (CTO, assurance-vie, PER) to French retail investors; directly comparable target customer and product suite.
- Ramify: French digital wealth manager offering private-asset access, life insurance and PER through a curated advisor-supported platform; competes for the same affluent retail segment and emphasises curated manager selection.
Emerging players
- Goodvest: Paris-based sustainable-investing robo-advisor with assurance-vie and PER wrappers; comparable in product format but differentiated by a strict impact/ESG lens.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Mon Petit Placement social profiles
Digital presenceMon Petit Placement compliance and trust
Trust signalCompliance1 record
Mon Petit Placement financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mon Petit Placement leadership team
Management profileNumber of profiles
Profiles3 records
Mon Petit Placement funding detail
Funding detailFunding overview
Funding rounds4 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mon Petit Placement M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mon Petit Placement
What does Mon Petit Placement do?
Mon Petit Placement is a French digital investment platform that distributes curated, risk-graded managed portfolios (Plan B, Ambitieux, Intrépide) and thematic investment vehicles (Spatial, Environment, Tech, Health, Real Estate, Gold, Cocorico, Emploi, Solidarité, Impacts, Relance, Égalité) to individual investors. Portfolios are subscribed to within Assurance-vie or PER retirement envelopes and are backed by partner insurers including Generali, APICIL, and La France Mutualiste, with a €300 minimum investment. The company is registered as an insurance (COA) and banking/payment services (IOBSP) broker with ORIAS, and applies a performance-based fee on client gains.
Is Mon Petit Placement a public or private company?
Mon Petit Placement is a private company. It is classified as corporate owned and is currently operating.
When was Mon Petit Placement founded?
Mon Petit Placement was founded in 2017. It employs 11 to 50 people.
Where is Mon Petit Placement based?
Mon Petit Placement is headquartered in Écully, France, in the Europe region.
How does Mon Petit Placement make money?
Two revenue lines are on record. Performance Commission is the primary driver. The others are retrocessions from Partners.
Who are Mon Petit Placement's main competitors?
Broad incumbents on record are BforBank, Boursorama Banque, Fortuneo Banque and Wealthcome (by Société Générale). Others are Linxo and Harvest. Direct peers are Yomoni, Nalo and Ramify. Goodvest is listed as an emerging player.
Does Mon Petit Placement have an API?
No public API is recorded for Mon Petit Placement.
What industry is Mon Petit Placement in?
Mon Petit Placement's product category is Retail Investment Brokerage. Its primary akta.pro industry code is FSAAABAM, Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs), with a secondary code of FSAEABAF, Retirement Plan Participant Advice & Managed Accounts. Its NAICS code is 52394 and its SIC code is 6282.