Yomoni: life insurance, PEA, PER or CTO with a referral?

If your plans are already defined, the Yomoni referral listing lets you view the tiers and request the invitation privately. The code is not displayed publicly in order to comply with the programme's terms.

Quick comparison of the four Yomoni wrappers

This table summarises general frameworks. It is not a substitute for contractual documents, personalised tax analysis or investment advice.

Yomoni life insurance: the most versatile wrapper

Life insurance can meet several objectives: investing for the long term, retaining the option to make a withdrawal and arranging estate planning through a beneficiary clause. Tax is not triggered simply because the policy increases in value, but when a withdrawal is made, on the share of gains included in that withdrawal.

The tax treatment depends in particular on the age of the policy and the date of the payments. After eight years, an annual allowance on withdrawn gains may apply, currently 4 600€ for a single person and 9 200€ for a couple taxed jointly, according to the official Service-Public life insurance page.

At Yomoni, life insurance profiles can combine euro funds, bonds and equities depending on the level of risk. Unit-linked investments do not guarantee the capital. Indeed, the referral campaign requires at least 30% in unit-linked investments for life insurance to be eligible.

Life insurance may therefore suit someone seeking flexibility, but the referral offer does not turn the portion invested in the markets into guaranteed savings.

Yomoni PEA: an equity-focused wrapper

The PEA is intended for equity investment within a specific tax framework. According to Service-Public, a withdrawal before five years in principle results in the plan being closed, except where legal exceptions apply. After five years, a partial withdrawal no longer automatically results in its closure.

One feature strongly distinguishes the Yomoni PEA from the other wrappers: the official Yomoni investment profiles page states that the PEA is available with profile 10, invested 100% in equities. It is therefore not the wrapper to choose solely to receive a 100€ reward if high volatility is not acceptable.

The PEA makes sense for a long-term objective focused on equities. The time horizon and tolerance for temporary falls matter more than the joining reward.

Yomoni CTO: greater freedom, without its own tax advantage

The standard securities account is generally the most flexible wrapper in terms of investment range and withdrawals. However, it does not offer the specific tax framework of the PEA or life insurance.

The official overview of the Yomoni CTO describes online account opening, a risk profile determined by a questionnaire and management that is then delegated. Investments remain exposed to the markets and past performance is not indicative of future performance.

The CTO may be appropriate if the other wrappers do not meet the relevant need. It does not become preferable from a tax perspective merely because a reward is offered.

Yomoni PER: primarily for a retirement objective

The PER is designed to build up long-term savings for retirement. According to Service-Public, the savings are in principle released at retirement. Early withdrawals are available in particular in cases of disability, death of a spouse, expiry of unemployment benefit entitlement, over-indebtedness, compulsory liquidation or the purchase of a main home, subject to conditions.

This more limited access completely changes the analysis. Locking 5 000€ or more into a PER to receive a reward one year later only makes sense if the retirement objective and tax treatment of the payment are already suitable for the circumstances.

The Yomoni fees also state that the PER Retraite+ has a specific fee structure, which may range approximately from 1,6% to 2,2% per year depending on the profile. The 1,6% cap presented for life insurance, the PEA and the CTO should therefore not automatically be applied to it.

The referral offer is identical, but its restrictions remain significant

The official Yomoni terms cover a first life insurance policy, PEA, CTO or PER under discretionary management. For the campaign from 7 June to 7 September 2026, the scale is as follows:

The contract must remain open and the tier's minimum assets must be maintained for 12 months. The offer is reserved for new customers, cannot be combined with another promotion and requires at least 30% in unit-linked investments or collective investment schemes.

Another commercial offer may be displayed on the Yomoni website at the same time. As the referral offer cannot be combined with another offer, compare the terms before signing and check which offer is actually attached to the application.

To assess the reward against the capital and fees, also see our analysis of the Yomoni reward versus management fees.

Which wrapper should you choose for your objective?

• Life insurance if the priority is a versatile wrapper, with withdrawals possible and estate-planning considerations.
• PEA if the objective is long-term equity investment and a very dynamic profile is acceptable.
• CTO if wrapper flexibility takes priority over seeking a specific tax advantage.
• PER if the main objective is retirement and limited access to the savings is compatible with the plan.

These are editorial guidelines, not a personalised recommendation. Personal wealth, tax or family circumstances may lead to a different choice.

Verdict

The best Yomoni contract is not the one that promises the largest reward, since the scale is identical for all four wrappers. It is the one whose rules remain suitable even without the referral offer.

Start by choosing the objective, time horizon and level of risk. Only then should you check the achievable tier, the requirement to maintain the assets for 12 months and the inability to combine offers. If these conditions are compatible with your plans, request the private Yomoni invitation before signing electronically.