Finance Héros names the best PER plans for 2026

Finance Héros has ranked 10 retirement savings plans out of 75 sold in France, splitting its 2026 awards by investor profile. The list highlights low-fee online contracts, pilot-managed ETF portfolios, an ESG option and two plans with standout euro funds as year-end retirement contributions approach.

Why it matters: - The ranking points savers toward lower-cost retirement plans at a time when PER contributions are often made before year-end. - PER payments are tax-deductible within retirement savings limits, which can make the right contract materially more valuable for higher-rate taxpayers. - Finance Héros says many PERs sold in France are weakened by entry fees, high management fees and expensive underlying funds.

What happened: - Finance Héros published its 2026 ranking of the best individual retirement savings plans, or PERs, after reviewing 75 contracts sold in France. - The independent comparison site awarded its PER Awards 2026 to 10 plans across four categories: free management, managed portfolios, responsible investing and euro-fund-focused savings. - In free management, Lucya CNP and Linxea Spirit PER tied for first place, ahead of Altaprofits’ e-PER. - In managed portfolios, Finance Héros selected Yomoni, Ramify, Caravel and Nalo. - Goodvest was named best responsible PER. - For savers prioritizing security, Finance Héros selected the Carac PER and Placement-direct PER for their euro funds.

The details: - The ranking is built on three main criteria: fees, euro-fund quality and the quality of investment options. - Fees cover entry charges, annual management fees and arbitration fees. - Every awarded PER has no entry fees. - Finance Héros says ETFs are a key quality marker because their fees are around 0.25% a year, versus about 1.7% on average for traditional mutual funds. - Secondary criteria include insurer strength, customer service responsiveness and the quality of the user interface. - The 2026 ranking does not name a single best PER overall. Finance Héros says the right contract depends on age, risk appetite and preferred management style. - Lucya CNP PER is presented as the cheapest contract in the market, with zero entry fees, zero arbitration fees and 0.3% annual management fees on unit-linked assets. - Lucya CNP PER gives access to more than 1,200 investments, including fee-free ETFs, two no-entry-fee SCPI property funds, Iroko Zen and Eden, and 600 direct equities. - Lucya CNP PER’s euro fund returned 2.60% in 2025. - Linxea Spirit PER carries 0.5% management fees, returned 3.08% on its euro fund in 2025 and offers a broad ETF range plus more than 40 real-estate investments. - Linxea Spirit PER’s euro fund guarantee is limited to 98% because it is managed by Spirica. - Altaprofits’ e-PER, insured by Generali, charges 0.5% management fees, returned 3.30% on its euro fund in 2025 and opens with as little as 300 euros. - Altaprofits’ e-PER allows access to 86 French and European equities directly and does not require unit-linked investments to access the euro fund. - Yomoni was cited for simplicity and ETF-based portfolios. Yomoni says it manages more than 2 billion euros after 10 years. - Ramify’s pilot-managed offering includes SCPI funds and, from 10,000 euros invested, private equity, with declining fees above 100,000 euros. - Caravel was singled out as the cheapest managed portfolio in the ranking, with total fees capped at 1.38% versus 1.60% for other players cited by Finance Héros. - Nalo was recognized for a custom allocation that adapts to age, income, wealth and risk appetite. - Goodvest’s PER invests only in ISR funds, targets a 2-degree climate path aligned with the Paris Agreement and uses clean shares without commissions. The Goodvest PER does not offer a euro fund. - The Carac PER is described as the best fully euro-fund-eligible option, with a 4.05% return in 2025 and 100% placement possible in the euro fund. - Carac is the only ranked provider offering home or branch advice through 50 agencies. - The Carac PER has 0.9% management fees and does not offer ETFs or SCPI funds. - Placement-direct PER, insured by Swiss Life, offered a boosted euro fund that returned between 1.90% and 3.45% in 2025 depending on the share invested in unit-linked assets. - The maximum return on Placement-direct PER requires more than 60% of savings in unit-linked investments. - Placement-direct PER includes ETFs, 13 SCPI funds and 12 SCI funds, with 0.60% management fees. - Finance Héros says online brokers and online banks clearly outperform traditional distribution networks in its full 75-contract ranking. - Only 24 of the 75 contracts analyzed charge no entry fees, mostly among broker-distributed and online-bank PERs. - Some online PERs narrowly missed the ranking. BoursoBank’s PER was held back by a limited menu of 60 investments, no ETFs in free management and access restricted to bank customers. - Suravenir PER and Linxea PER were judged less attractive than Linxea Spirit PER. - Finance Héros notes that a poorly performing PER can be transferred to another provider, unlike life insurance. - Older PERP and Madelin contracts can also be transferred into a PER. - PER savings are protected by the French FGAP guarantee scheme up to 70,000 euros per contract and insurer. - The full ranking, fee tables, contract-by-contract analysis and recommendations by saver profile are available on Finance Héros’ Meilleur PER 2026 page.

Between the lines: - The ranking reinforces a broader shift in France’s retirement market toward online, low-fee, ETF-based contracts. - Finance Héros is effectively telling savers that tax benefits alone do not make a PER attractive if fees and product menus are weak. - The split between free management, managed portfolios and ESG investing suggests the market is fragmenting by user need rather than converging on one dominant product.

What's next: - Finance Héros says the ranking will be updated whenever contract changes require it. - Savers are likely to keep comparing PERs before year-end, when contributions are often concentrated. - Transferability means underperforming PER holders can move their savings without abandoning the tax wrapper.