Managed Allocation

Delegate management to a professional

The world of investment funds is one in which you are not entirely comfortable or you simply do not want this investment to be an additional concern for you. In this case, we suggest you opt for a managed allocation contract. The principle is simple.

We offer several management profiles (defensive, balanced, growth, growth plus) which correspond to the different types of investors which we have defined (prudent, moderate, offensive, aggressive).
You determine the profile which suits you best with the help of your adviser. This profile corresponds to a determined investment strategy.
You then authorise a management company to take action directly under the terms of your contract and manage your funds portfolio in accordance with your chosen profile.

All this is done simply by signing an additional document, the management mandate.

Your portfolio is therefore actively managed by a company specialising in the management of asset allocation and selection of investment funds. This company regularly modifies and adjusts the distribution of the portfolio in accordance with the profile chosen. Your investment is properly monitored but requires no involvement on your part.

If your investment objectives change during the term of your contract, you have the option of switching from one type of profile to another and even of transferring your contract's mode of management to free allocation.

Allocation managed by La Française AM

The Company currently offers a managed allocation solution in collaboration with LFAM.

These management profiles are managed directly by LFAM, which places all of its know-how, expertise and knowledge of financial markets at your service in selection of the appropriate investment funds with the utmost objectivity for a winning strategy.

Designed to offer our investors the opportunity to make the most of their savings and transfer their inheritance with peace of mind, these profiles are available in the advantageous form of life insurance. This investment solution has many advantages:

You benefit from active management by LFAM enabling you to profit from all of its expertise in investment fund selection;
Investment in investment funds is a proven method of distributing and diversifying assets as well as reducing the degree of risk inherent in investment in stock markets;
We offer you four management profiles with differing levels of risk to enable you to choose a product which corresponds fully to your financial objectives.

LFAM Defensive

Objective: This portfolio focuses on security and prudence due to a major proportion of investments reputed to be safe, but aims at improving the return thanks to the choice of bonds and shares which add to it.

Distribution of assets: Equity funds: Max.30%.

Minimum recommended investment duration: 3 years.

LFAM DEFENSIVE was specially created for investors seeking low volatility.

LFAM Balanced

Objective: Strategy offering medium-term security with possible investment in the growth of shares markets. Balanced distribution between quality of the debtors and added value on shares.

Distribution of assets: Equity funds: Max.50%.

Minimum recommended investment duration: 4 years.

LFAM BALANCED was specially created for investors seeking a compromise between performance and low volatility.

LFAM Growth

Objective: Search for pronounced added value with a long-term objective primarily by backing the stock market while controlling the quality of the investments as well as their sectoral and monetary weighting.

Distribution of assets: Equity funds: Max.75%.

Minimum recommended investment duration: 5 years.

LFAM GROWTH was specially created for investors seeking an optimum return and who agree to major volatility for limited periods of time.

LFAM Growth Plus

Objective: Search for high performance at the price of a high degree of risk.

Distribution of assets: Equity funds: No limit.

Minimum recommended investment duration: 5 years.

LFAM GROWTH PLUS is suitable for investors who give priority to dynamic management of their assets and are considered well-informed as to market mechanisms. They accept the risks connected with changes in stock market rates in compensation for an objective of overperformance over a period of 5 to 7 years.