Paris, 6 June 2016
CD Partenaires, the platform dedicated to asset management professionals, is extending its range of wealth management products with a life insurance contract named Eyden Vie and its endowment version, Eyden Capi. This new product, designed by CNP Assurances, is distributed by wealth management professionals. The back-office is entrusted to QIS, Quality Insurance Services, an innovative platform specialised in the management of high-end contracts, capitalising on 15 years of experience.
Intended for wealth management clients that seek to optimise their investment strategy and diversify their investments, this new product presents a number of advantages for the clients, particularly the possibility to benefit from personalised discretionary management as well as a wide range of unit-linked products, a range that is extended on a regular basis.
THE CONTRACT IN SHORT
The Eyden Vie contract, accessible from €250,000, presents many advantages:
- A wide range of unit-linked products1 extended on a regular basis, including real estate products,
- The possibility to benefit from personalised management of the capital through discretionary management,
- The possibility to combine2 discretionary management and free management to optimise the investment strategy,
- Numerous automatic arbitrage options, free of charge and accessible to protect or boost the return on the capital,
- A wide choice among optional minimum guarantees in the event of death to protect the capital and pass it on to the beneficiaries,
- A safe vehicle in in euros.
ASSET MANAGEMENT METHODS
In order to allocate the capital as best possible and optimise the investment strategy, the client can opt for free management and/or personalised discretionary management:
- Under "free management", the client itself selects the investment vehicles and makes the decisions to arbitrage between these vehicles. Different options are available for the client: partial scheduled redemptions, regular payments, gradual investment, securing capital gains, relative stop loss and constant distribution.
- With personalised discretionary management, the insurance company selects the unit-linked products for the distribution of premium payments and carries out the arbitrages between these vehicles, in accordance with the management strategy chosen by the client. This management method, which can be decided at subscription or at any time during the term of the contract, can be combined with free management.
Note that under the equity savings plan (PEA) option of the Eyden Capi contract, it is also possible to entrust the management of this plan (whether PEA or PEA-PME) to the insurance company in the form of personalised discretionary management.
Furthermore, two asset management companies are used for this personalised discretionary management: DNCA Investments and LFAM Gestion Privée. These two companies have been chosen given the complementarity of the profiles of their discretionary management.
Also, a subscriber, based on the recommendations of his/her adviser, can opt for several mandates in the same contract in order to aim for a diversified approach.
THE OPTIONS OF THE CONTRACT
Eyden life also includes a living benefit guarantee and a death benefit guarantee (payment of a capital to the appointed beneficiary), but also several optional minimum guarantees that cannot be combined (simple, indexed, increased or ratchet).
The contract also offers the Flexi Sérénité option (from €1 million), which can guarantee the entire capital invested (including in the selected unit-linked) by combining the unit-linked part (from 25% to 50%), the level of guarantee (95%, 98% or 100%) and the length of the guarantee (3, 4 or 5 years). Its Flexi Access version is offered from €150,000 (100% investment guarantee after 4 years).
THE VEHICLES OF THE CONTRACT
With a view to seeking long-term performance and in return for a certain risk-taking, Eyden Vie and Eyden Capi provide a wide range of unit-linked products (mutual funds, real estate investment trusts and funds, EMTN and individual stocks). This diversification makes it possible to cover the entire market in terms of geographical regions, financial management methods and sectors of activity. The euro-denominated vehicle CNP PATRIMOINE EUROS provides the security and the annual revaluation of the capital invested in this vehicle. Combined with unit-linked products, it can be used as a secure foundation in the event of a downward trend in financial markets.