Modern Wealth Solutions
Your Savings, Rediscovered.
An idle nest egg holds you back. Our experts build 100% online, AI-optimized investment portfolios that match your goals—and your values.
3,500+ active investors
Our Difference
Why partner with us?
100% Online
Sign up and manage your contracts 24/7 from anywhere in the world. No branch visits, no paperwork.
AI Optimization
Our algorithms dynamically adjust your portfolio to maximize returns while respecting your risk profile.
Aligned with Your Values
Invest in line with your convictions. Choose from ESG, ethical, or environmental-focused portfolios.
Reduced Fees
Up to 2x cheaper than private banks, without compromising on the quality of our service and expertise.
Our Products
Savings solutions tailored to your projects.
Assurance-Vie
A tax-advantaged framework to grow your capital, prepare your succession, or finance medium and long-term projects.
Plan Épargne Retraite (PER)
Prepare your future serenely with a flexible and tax-advantaged solution to supplement your retirement income.
Interactive Simulator
Estimate Your Investment Potential
Our intelligent simulator helps you visualize the growth of your savings based on your goals and risk profile. Make informed decisions for your financial future.
Our Performance
Active management, concrete results.
Prudent Profile
Risk levels 1–3 · Capital preservation focused
+2.9% to +4.1% per year (avg.)Balanced Profile
Risk levels 4–6 · Growth & preservation
+5.4% to +7.2% per year (avg.)Audacious Profile
Risk levels 7–8 · High growth potential
+8.2% to +11.5% per year (avg.)*Net of management fees, excluding tax. Past performance does not guarantee future results. Investing involves risk of capital loss.
Our Pricing
Transparent, advantageous pricing.
Your strategy evolves with the markets—not your fees.
Terra Nova Capital
- €0 Entry fees
- €0 Deposit fees
- €0 Arbitrage & withdrawal fees
- 0.75% max management fee per year, all inclusive
Private Banks (avg.)
- €100+ Entry fees
- €50 Deposit fees
- €75 Arbitrage fees
- 1.75% Hidden management fees
Save up to €1,400 per year for each €100,000 invested.
Simple, transparent, competitive.
Testimonials
Trusted by thousands of savers.
"I was hesitant about online investment platforms, but Terra Nova's team made the process effortless. My portfolio grew 8% in the first year, and I love the ESG options."
"The AI optimization is remarkable. It rebalanced my portfolio right before the market downturn, saving me from significant losses. I also love the transparent fee structure."
"Setting up my PER took less than 15 minutes online. The tax savings were immediate, and the dashboard makes tracking my retirement goals effortless."
FAQ
Frequently asked questions
Terra Nova Capital is a 100% online investment platform offering personalized savings solutions (Assurance-Vie, PER) optimized by artificial intelligence. We provide a transparent, competitive fee structure with no hidden costs, allowing you to manage your wealth entirely from your browser or phone.
Your assets are held with our partner insurer, a major European insurance group. Terra Nova Capital is regulated and licensed, ensuring full compliance and security of your investments. Please note that investment vehicles carry a risk of capital loss.
We charge a maximum annual management fee of 0.75% (all inclusive). There are absolutely no entry, exit, deposit, or arbitrage fees. This simple structure is designed to be transparent and highly competitive compared to traditional private banks.
Start by using our online simulator to define your investor profile and objectives. The entire subscription process is completed online in just a few minutes. Our team is also available via chat or phone to guide you if you need assistance.
Ready to Transform Your Savings?
Join us today and give your savings the momentum it deserves. Our team is ready to answer all your questions.