Mon Petit Placement

Mon Petit Placement operates as a financial technology firm aiming to make investing more approachable for retail clients. The company was founded in Lyon, France, in 2017 by Thomas Perret, Thibault Jaillon, and Margaux Belhade. Perret, who serves as CEO, comes from a family of bankers and gained experience in investment banking in New York and Paris. This background revealed to him that professional investors had access to expertise unavailable to the general public, sparking the idea for the company. Thibault Jaillon, the CPO & CTO, was instrumental in translating the concept into an accessible product.

The firm officially launched its commercial offering in 2020 after three years of development and navigating regulatory requirements. It provides a digital platform and mobile app that simplifies the investment process, targeting individuals who may lack extensive financial knowledge or significant capital. The business primarily serves retail investors in France, including a significant portion of younger, first-time investors who were previously only using traditional savings accounts. In May 2025, the social protection group Malakoff Humanis became the majority shareholder, acquiring 65% of the company, with La France Mutualiste holding 20% and CEO Thomas Perret retaining 15%. This acquisition aims to support the fintech's growth while allowing it to maintain operational independence.

Mon Petit Placement's business model is centered on a "advised self-managed" approach. The core offering consists of investment products wrapped in life insurance (assurance-vie) and personal retirement savings plans (Plan d’Épargne Retraite - PER), accessible with a minimum investment of €300. The company partners with established insurers like Apicil, Generali, and La France Mutualiste to provide these products. Revenue is primarily generated through a performance-based commission, where the company only charges fees on the gains generated by a client's portfolio; this commission is degressive, decreasing as the investment amount grows. The firm is transparent about other costs, such as management fees from insurance partners and asset management companies, which are factored into the displayed performance figures. There are no entry, exit, or transfer fees for most portfolios.

The platform offers a range of investment portfolios tailored to different risk profiles, from conservative to aggressive (e.g., 'Volontaire', 'Énergique', 'Ambitieux', 'Intrépide'). Beyond these, it provides thematic portfolios focused on areas like climate, equality, tech, and real estate, allowing clients to align their investments with their values. The company has continually expanded its offerings, introducing an anti-inflation portfolio, retirement-horizon portfolios, and options to invest in gold and private equity. A key feature is the combination of a user-friendly digital interface with personalized support from human advisors available seven days a week.

Keywords: Fintech, wealthtech, retail investing, digital investment platform, financial advice, life insurance, retirement savings plan, PER, assurance-vie, personalized investment, portfolio management, financial services, investment accessibility, Lyon, Thomas Perret, asset management, mobile investing, investment portfolios, thematic investing, Malakoff Humanis