Yomoni vs Nalo vs Ramify

Yomoni vs Nalo vs Ramify: Core Facts

What is compared

Yomoni vs Nalo vs Ramify, three French robo-advisors managing assurance-vie, PER, and PEA accounts

Verdict

No single cheapest winner, published fee ranges overlap and sources disagree; Yomoni for the longest track record and a managed PEA, Nalo for multi-goal 'pocket' allocation, Ramify for the widest product range including private equity access

Founded

Yomoni: 2015, the oldest of the three with the longest public performance history. Nalo and Ramify founding dates not confirmed in sourced research

Published all-in annual fee

Yomoni: up to 1.60%/year, no entry, payment, or exit fees. Nalo: up to around 1.65%/year, split across a 0.45 to 0.50% management mandate, a 0.90 to 0.95% wrapper fee, and around 0.25% average fund fees. Ramify: figures conflict between sources, ranging 1.20% to 1.60%/year, with one source citing a flat 1% option on some contracts(as of 2026-08)

Minimum initial payment

All three require €1,000 to open

Minimum regular payment

Yomoni: from €50/month. Nalo: from €50/month. Ramify: from €100/month, higher than the other two(as of 2026-08)

Accounts offered

Yomoni: assurance-vie, PEA, compte-titres. Nalo: assurance-vie, PER. Ramify: assurance-vie, PER, PEA, and access to private equity/SCPI, the broadest range of the three(as of 2026-08)

Managed PEA

Only Yomoni and Ramify offer a managed PEA; Nalo does not

Distinctive feature

Nalo's allocation is built around named life projects (retirement, property, studies) held as separate 'pockets' inside one contract, a structure not found at Yomoni or Ramify in sourced research

Underlying assurance-vie insurer

Yomoni: Suravenir (Crédit Mutuel Arkéa). Nalo: Generali Vie. Ramify's insurer varies by contract in sourced research

Investment vehicle

All three build portfolios primarily from ETFs (tracker funds)

Status

Active Definition

Verified

2026-08-24

How Yomoni vs Nalo vs Ramify compares

This comparison covers automated, digitally managed investment platforms wrapping French tax-advantaged accounts: Yomoni (founded 2015, assurance-vie backed by Suravenir, plus PEA and compte-titres), Nalo (multi-project 'pocket' allocation, assurance-vie backed by Generali Vie, plus PER), and Ramify (assurance-vie, PER, PEA, and access to private equity/SCPI). None of the three is a bank; they are investment management platforms, and fee figures below vary between sources, which is flagged where relevant.

Yomoni vs Nalo vs Ramify: Frequently Asked Questions