Paris, le 15 September 2016

Against a background of volatile and uncertain markets, and with investors increasingly looking to preserve their capital, the Lib’RT* formula offers investors the opportunity to invest temporarily in a specific UA vehicle without the risk of immediately suffering a financial loss, as with a classic monetary vehicle. By taking time to define their allocation in euros/target UA, investors choose the right moment to invest on the financial markets while preserving their savings over a period of up to 9 months.

Offered upon subscription to a life insurance or a CNP Patrimoine capitalisation contract (CNP One, CNP One Capi and branded products), this new formula enables investors to divide their capital between the vehicle in euros and one of the three Lib’RT* unit-linked vehicles, the remuneration of which is matched by CNP Assurances for a few months. Subscribers therefore have a maximum period of 3, 6 or 9 months to carry out the trade-offs within their contract when they feel it is the right time, and thereby freely define their euro/UA allocation. During this temporary period, subscribers, thanks to Lib'RT* UA, benefit from an annualised return equal to EONIA + 2% for the Lib'RT* UA 3 months, EONIA + 0.80% for Lib'RT* UA 6 months and finally EONIA + 0.40% for Lib'RT* UA 9 months. 

In addition, throughout the duration of the life insurance or capitalisation contract, the Lib'RT* formula enables subscribers to benefit from the performance of the financial markets over the long term. Meanwhile, they also benefit from a revaluation of the part invested in the euro vehicle of more than 100% every year when the average rate of the contract’s unit-linked vehicles is higher than 34%.

“The Lib’RT* formula is attractive for all investor profiles. The most prudent will be able to test the Lib’RT* option for 3,6 or 9 months in complete safety, before returning, if they choose, to investing more in euros, while those who wish to benefit fully from the performance of the financial markets over the long term are free to choose their moment to invest”, comments Laurent Jumelle, director of CNP  Patrimoine.

 

The Lib'RT* innovation has also been launched with a web page dedicated to distributors so that they can talk instantly with CNP Patrimoine about all of the formula’s features.

*Right Time