*Available in France only
At Shares, Wealth Managers have the flexibility to meet a wide range of client needs by choosing between personal and business accounts. Once these accounts are set up, WMs can create and manage CTO (Compte-Titres Ordinaire) and PEA (Plan d'Épargne en Actions) accounts for their clients, enabling diversified investment opportunities.
Below is an overview of the account types and their features.
1. Personal Accounts
A personal account is designed for individual wealth management clients. It allows WMs to manage the investment portfolio of a single individual, focusing on their personal financial goals and needs.
Key Features:
Tailored to individual clients.
Suitable for managing personal wealth or savings plans.
Allows you to open a CTO and/or PEA
Learn more about how to create a personal account for clients in our article: How to create Clients with personal accounts?
2. Business Accounts
A business account is ideal for WMs managing portfolios on behalf of businesses or organizations. This account type is specifically designed to handle corporate investments.
Key Features:
Designed for corporate clients. Shares can only open accounts for business entities of type: EURL, SARL, SAS, and SASU (INSEE codes 5410, 5498, 5499, 5710, or 5720).
Allows you to open a CTO for various investment opportunities.
Learn more about how to create a business account for clients in our article: How to create Clients with business accounts?
Investment Accounts Available: CTO and PEA
Once a personal or business account (CTO) is fully verified, WMs can create a PEA (only for personal accounts) for their clients. Each account type offers unique advantages tailored to different investment strategies.
CTO (Compte-Titres Ordinaire)
A general-purpose security account offering maximum flexibility.
Tailored to clients looking for flexibility and international diversification.
PEA (Plan d'Épargne en Actions — only for personal accounts)
A tax-advantaged investment account aimed at encouraging long-term savings in European ETFs.
Tailored to clients focused on long-term wealth building with tax-efficient investments in European markets.
To switch between CTO and PEA, navigate to the left-side menu, select your client, and click on the account type (CTO or PEA) next to their name at the top of the page.