Paris, 15 March 2016
CNP Patrimoine has announced the launch of Flexi Sérénité, an option on its multi-fund life insurance or endowment policies. Thanks to this option, its partners will be able to offer their wealth management clients the opportunity to benefit from the performance of the equity markets at the same time as protecting their capital.
In an environment of low interest rates that is unfavourable to euro funds, Flexi Sérénité offers CNP Patrimoine’s partners’ wealth management clients the opportunity to benefit from the long-term performances of the equity markets while at the same time enjoying the security of the euro fund CNP Patrimoine Euros.
Flexi Sérénité, which is accessible with an initial deposit of €150K, also benefits from innovative and customisable protection, by tailoring:
- the level of capital guarantee, which can be 95%, 98% or 100% of the initial investment (euros and UA) at the investor’s option;
- the expiry date of this guarantee (2, 3, 4 or 5 years);
- the allocation of the investment: the diversified UA allocation can represent between 25% and 50% of the funds invested (the remainder is invested in the euro fund*).
The Flexi Sérénité option is available under “free management” terms on taking out the policy and offers access to an extensive investment world. The funds (principally traditional UCIs) are selected from reputable management companies.
* For assets in the euro fund as at 31/12/2016 and 31/12/2017, a bonus is offered amounting to 0.55% for 30% of UA invested and 0.60% for 35% of UA invested.