For which investor profile is the CTO suitable?

The CTO is suitable for different investor profiles:

👨‍💼 Beginners who wish to invest in the stock market without restriction.

👩‍💻 Experienced investors seeking international diversification or sophisticated products.

👨‍👩‍👧 Patrimonial who wish to transfer a portfolio: unlike the PEA, the CTO is transmissible in full ownership or in bare ownership.

🏦 Companies and legal entities: a CTO can also be opened by a company to manage its cash flow.

💡 Strengths: flexibility, no ceiling, access to all markets.

⚠️ Limits: taxation less favorable than PEA or life insurance.

Concrete example:

Julie, 35 years old, opens a PEA to prepare her retirement and a CTO to invest in American and Asian stocks. This dual strategy allows it to combine optimized taxation and global diversification.