An attractive investment product

Life insurance is an investment which combines the following in a long term investment approach:

• Various financial vehicles
• A specific legal framework
• A preferential tax framework

Life insurance is the only vehicle for investment which today allows you to combine financial and patrimonial objectives at the same time. Life insurance has evolved over the course of the last 15 years to open up to investment funds and therefore the stock markets. Similarly, its legal framework is a simple and legal means of ensuring the transfer of constituted assets on good terms and sometimes with the benefit of advantageous fiscal measures.

Life insurance today is therefore an attractive investment product which is entirely compatible with a safe asset transfer tool.

Make your savings yield a profit

Specifically, through your contract, you invest your savings in one or more investment funds (chiefly collective investment fund, i.e. unit trust, or investment trust) in order to make this money yield a profit.

• The contract may invest simultaneously in several investment funds hence the description "unit-linked policy"
• Your capital may be partly or entirely invested in investment funds that are directly linked to the stock market.
• It is also possible, through a Euresa-life contract, to invest in guaranteed rate monetary products. Your savings then increase in value in accordance with the rate agreed by the monetary product you invest in.

The advantages of management via investment funds

Investment via investment funds has three main advantages:

• There is a very wide variety of investment funds which makes it possible to spread your capital over various styles of management, different strategies and different categories of assets. This diversification provides greater protection from market risks.
• An investment fund is itself made up of a multitude of different stocks and shares offered by various issuers (bonds A, bonds B, shares X, shares Y, etc.). This broad diversification of the underlying asset is an important additional factor which reduces the investment risk. This type of risk reduction is not possible in the framework of management based on directly purchased shares or bonds.
• The investment funds are managed by financial management professionals. This is where the added value lies. Their know-how, expertise and knowledge of financial markets contribute significantly to the good performance of investment funds.