Mission almost accomplished. While [Jay Soper]'s managers have cut down his investing stress, he still peeks at his portfolio three times a week. Only now he is peeking over the on-line shoulders of his managers. Soper watches the managers' picks, which are posted daily to his account with San Francisco-based Web start-up WrapManager, to see "what are they hot on." Until recently, investors would have generally needed a big bankroll to gain access to what are called managed or separate or wrap accounts. They are similar to mutual funds, but aren't pooled investments. With managed accounts, the investor actually owns each security in the portfolio.