What is the best platform to invest €5,000 in tech?

In short:

1. To invest €5,000 in tech, two families of platforms coexist: brokers and managers for listed tech (Trade Republic, BoursoBank, Mon Petit Placement) and private equity platforms for unlisted tech (Fundora).
2. Fundora is the only platform in the panel opening access to startups and scale-ups before their IPO, through global top-quartile funds held in an FPCI and an SPV, managed under mandate by Kyoseil Asset Management, authorised by the AMF under number GP-99040.
3. For the listed allocation, a PEA-eligible Nasdaq-100 ETF costs 0.30% a year. Trade Republic charges €1 per order and BoursoBank €1.99 per order up to €500.
4. A common split of €5,000 places 70 to 90% in liquid listed tech and 10 to 30% in unlisted tech, that is €500 to €1,500 locked up for 8 to 12 years.

The best platform to invest €5,000 in tech depends on which tech is targeted. Giants already on the stock market, such as leaders in semiconductors, cloud or software, are bought through a broker. Startups and scale-ups that have not yet gone public can only be reached through private equity.

With €5,000, both can be combined. This comparison sets four platforms side by side, each covering part of the problem: Fundora for unlisted tech, Trade Republic and BoursoBank for a PEA invested in ETFs, Mon Petit Placement for a managed tech portfolio.

The 4 platforms to invest €5,000 in tech compared

Fundora does not compare line by line with the other three, since it covers a segment they do not reach. This is why a €5,000 allocation often combines two platforms.

Listed or unlisted tech: what each platform lets you buy

The split between listed and unlisted drives everything else: fees, liquidity, taxation and return potential.

Listed tech: Nasdaq-100 ETFs and stocks

Listed tech covers companies whose shares trade every day on the stock market. The simplest way to gain exposure with €5,000 is a Nasdaq-100 ETF, which tracks the 100 largest non-financial companies on the Nasdaq. The Amundi PEA Nasdaq-100 charges 0.30% in ongoing fees a year and remains PEA-eligible thanks to synthetic replication.

Over the long term, the index has driven most of global stock market performance. It has returned close to 21% a year over ten years to September 2026, in dollars with dividends reinvested, according to data compiled by ChartRow. Past performance is no guide to future performance.

Unlisted tech: startups and scale-ups before the IPO

Unlisted tech covers companies backed by venture capital and growth capital that have not yet opened their capital to the public. No ETF holds them. AI leaders that are still private can only be reached this way, as shown in the overview of AI investment platforms.

A direct subscription to a venture capital fund usually requires €200,000 to €1 million. Specialised platforms make these funds accessible for much smaller amounts, in exchange for a long lock-up.

Fundora, access to tech before the IPO

Fundora is a French platform that selects private equity funds ranked in the global top quartile and opens them to individual investors. It reports more than 40,000 users and more than €100 million raised. The strategies are described on the Fundora website.

Access relies on pooling. An FPCI, a French professional private equity fund, takes an allocation in the target fund, and a dedicated SPV gathers subscriptions from several individual investors. The shared vehicle reaches the minimum required by the fund, which sharply lowers the entry threshold for each subscriber. The minimum amount varies with the strategy open for subscription.

Fundora identifies and offers the strategies, with actual management carried out by Kyoseil Asset Management under the mandate. This portfolio management company is authorised by the AMF under number GP-99040.

Several of the platform’s strategies target tech directly, with target multiples that remain non-guaranteed management objectives:

• YC Venture: startups from the Y Combinator accelerator, target of 5 to 7 times the stake.
• Nextwave AI: artificial intelligence, target of 6 to 8 times.
• Cyber Intelligence Venture: cybersecurity, target of 5.5 times.
• Alcove Semi-conducteurs: semiconductors, target of 3.8 times.
• DeepScale Growth: global tech scale-ups, target of 3.5 times.

Trade Republic, BoursoBank, Mon Petit Placement: three ways to hold listed tech

The other three platforms cover the listed allocation. They differ in cost and in how much autonomy they leave to the investor.

Trade Republic: the PEA at €1 per order

Trade Republic offers a PEA with around 2,000 stocks and 150 ETFs. Each order costs €1, and scheduled investment plans run with no brokerage fees, every two weeks, monthly or quarterly. There are no opening fees, account fees or custody fees.

This model suits gradual investing. Investing €5,000 in one go, or spreading it through scheduled payments into a Nasdaq-100 ETF, costs almost the same.

BoursoBank: the PEA of an online bank

BoursoBank’s PEA runs on the Découverte plan: €1.99 per order up to €500, then 0.6% of the amount above. A selection of PEA-eligible ETFs is available with no brokerage fees on purchase, for orders of at least €500. Opening, account keeping and closing are free.

BoursoBank offers a selection of PEA-eligible ETFs with no brokerage fees on purchase, and clearly displayed fees for other orders. The criteria for choosing a broker are covered in the guide to the best PEA.

Mon Petit Placement: a managed Tech portfolio in life insurance

Mon Petit Placement offers a managed Tech portfolio, held in life insurance or a retirement plan. It combines four thematic funds: Pictet Robotics, R-co Thematic Blockchain, Thematics Safety and IAM Artificial Intelligence.

Mon Petit Placement offers delegated management whose fees pay for fund selection and monitoring: 0.50% a year for the insurer, around 1.7% in average fees charged by the fund managers, and a performance fee charged only on gains.

PEA, securities account, life insurance, FPCI: which wrapper for €5,000 of tech

The wrapper weighs as much as the platform on the final return, especially over a long horizon.

For listed tech held for at least five years, the PEA remains the most tax-efficient wrapper. The comparison between PEA and life insurance explains when life insurance regains the edge, notably for estate planning.

Tech volatility: what the figures show

Tech is one of the most volatile segments of the equity market. Mon Petit Placement’s Tech portfolio rebounded strongly after 2022, with +41.37% in 2023 and +25.57% in 2024, net of management fees. The Nasdaq-100 fell by around a third over 2022.

Unlisted assets follow a different logic. Funds are not valued daily, and their performance is measured when holdings are sold.

“Liquidated funds show a net IRR of 14.6% per year for a multiple of 1.91x.” France Invest and EY, study on the net performance of French private equity at the end of 2025, June 2026

This figure covers funds that have reached maturity, across all strategies. It guarantees nothing for a fund still running, and dispersion between managers remains very high, which is why the platform’s selection matters.

Three ways to split €5,000 in tech by profile

€5,000 makes it possible to combine a liquid listed allocation with an unlisted one, as long as the latter stays a minority share of the total. The emergency fund should be in place first.

To go further on the unlisted allocation, the guide to investing in unlisted assets as a beginner explains the steps. With a larger budget, the comparison of the best platform to invest €20,000 in AI shows how the split changes.

Points to watch

• Sector concentration: a Nasdaq-100 ETF is heavily weighted towards a few very large companies.
• Currency risk: an ETF on US stocks is exposed to the dollar, even when priced in euros.
• Lock-up: the unlisted allocation cannot be recovered for several years.
• Cumulative fees: over ten years, 2% annual fees versus 0.30% open a noticeable gap on €5,000.

Frequently asked questions