In the absence of a choice to the contrary by the subscriber of a PER, the invested savings are managed according to a “managed management on the retirement horizon” mode. What is its function ? When the deadline for your retirement is far away, the capital is placed in risky supports. They are then gradually oriented, as the release date approaches, towards financial products that are less sensitive to market shocks.
“The objective is to address all types of customers, including those who have little savings, and to encourage them to invest beyond the livret A”, explains Sophie Vannier, director of the social protection market for professionals and small businesses at Generali France. This management method, which relieves the saver of the choice of investment vehicles and their monitoring, seems to meet with great success.
“It is chosen by the vast majority of our members”, observes Odile Ezerzer, Director of Macif Finance Epargne and Managing Director of Mutavie. Same story at the MACSF. “Managed management is the default management mode: this is what it would take for all investments with a clearly identified exit target,” enthuses Guillaume Rosenwald, Managing Director of MACSF Epargne Retraite. The member sets his estimated retirement age and can change it at any time. ”
Three profiles planned: prudent, balanced and dynamic
At AG2R La Mondiale, Joël Dufresnoy, marketing manager for the savings and retirement offer, is also in favor of this management method. “It helps to avoid investments that go against the grain, he observes. It is to be supplemented with regular payments to smooth its entry points into the markets. “
“A wealth management advisor will do the work of allocating capital himself, but some distributors are less comfortable with investment advice. »Anne-Emmanuelle Corteel, from Generali France
This horizon management is framed by an order which specifies the investments authorized according to the duration of the investment before the date of retirement and the level of risk that the saver accepts. Three profiles – cautious, balanced and dynamic – are planned. It is the balanced profile that prevails in the absence of a contrary choice.
However, the saver has the option of renouncing this management method in favor of free management, or else, when the contract so provides, management under mandate entrusted to a management company. “Management with a retirement horizon is perfect for savers who don’t want to ask questions, says Anne-Emmanuelle Corteel, director of insurance solutions for the savings market and wealth management at Generali France. It also depends on the intermediary through which we go. A wealth management advisor will do the work of allocating capital himself, but some distributors are less comfortable with investment advice because they lack this expertise. “
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