(Sponsored article) Provider of investment services, intermediary in banking operations and benchmark insurance broker, Sicavonline offers its first ETF pilot management mode. With this new management method, the 100% subsidiary of the insurer Ageas France allows you to invest according to your values!
Life insurance under ETF pilot management
With the KOMPOZ life insurance policy, insured by Ageas France* ETF Pilot Management, the broker Sicavonline integrates its first ETF (Exchange Traded Funds) mandate including ESG (Environment, Social, Governance) criteria. An investment fund made up of a wide variety of stocks or bonds, the ETF is of the index type: its evolution replicates that of the index on which it is indexed. For example, a CAC40 ETF will reflect the rises and falls of the flagship index of the Paris Stock Exchange. An ESG fund wants to be responsible. It favors active ingredients intended to promote energy transition and the fight against global warming. It should be noted that ETFs are unit-linked vehicles with risk of capital loss. They are subject to upward or downward fluctuations depending in particular on the evolution of the financial markets. It is recalled that past performance is not indicative of future performance.
Good to know: A real craze for sustainable investing
According to the FIFG, 6 out of 10 French people say they attach importance to the environmental and social impacts of their investments. These non-investors favor investments that promote the fight against pollution (76%), human rights (73%) and employment (72%). This enthusiasm was reflected in 2021 by a 94% increase in the outstanding amount of responsible funds in France over 12 months.
With this new ETF pilot management mode, Sicavonline* makes an entry into green finance. The KOMPOZ life insurance contract offers a simple, turnkey service combining performance objectives and security for balanced and defensive profiles. The choice of ETFs allows individual investors to access the financial markets at a lower cost while benefiting from their potential performance. For managing asset allocation, Sicavonline relies on AAA*a FinTech recognized on the institutional investor market for the quality of its investment algorithms.
The characteristics of KOMPOZ’s ETF management mode
KOMPOZ is a life insurance 100% online membership which includes a large number of investment media. The diversity of the latter is expressed at the geographical level (Europe, United States, Japan and emerging countries), at the sectoral level (technologies, energy, health, services and consumer goods) and at the level of market capitalization of the companies (from large companies to SMEs). This multi-level diversity optimizes your investment and helps limit risk.
Depending on the client’s profile, KOMPOZ’s pilot ETF management method integrating ESG criteria can be coupled with the euro fund. Sicavonline offers you to invest in this ETF management method from a payment of 1500 euros. The contract’s pilot management fees are limited to 1% regardless of the risk profile chosen and even 0.95% when you opt for scheduled free payments. The funds selected as part of the ETF pilot management of KOMPOZ life insurance are selected from the offer offered by 4 international management companies:
- BNP Paribas Asset Management;
- Invesco;
- BlackRock’s iShares;
- Amundi.
The distribution of the allocation is defined by the artificial intelligence of a quantitative algorithm from the company Active Asset Allocation. This tool, usually reserved for institutional investors, is made available to you thanks to Sicavonline.
Risk management
When taking out your KOMPOZ life insurance contract, you can adapt it to your risk profile. Referring to the relationship between the desired performance and the ability to withstand a possible loss of capital, the risk profile includes 3 categories:
- Defensive: the member favors a moderate annual return involving little risk of capital loss. The recommended minimum investment period is 3 years. The investments advised will be at a maximum overall risk-return level of 3.
- Balanced: members favor a happy medium between average annual return and risk taking. The recommended minimum investment period is 3 5 years. The investments advised will be at a maximum overall risk-return level of 5.
- Offensive: the member favors a high annual return involving more risk. The recommended minimum investment period is 6 years. The investments advised will be at a maximum overall risk-return level of 6.
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The determination of your investor profile results from a complete analysis including your expectations in terms of return, the desired investment period and your sensitivity to risk. Note that the risk of capital loss increases with the desired return. The sums invested in units of account (UA) are not guaranteed. The value of assets evolves with the fluctuations of the financial markets. Please note that past performance is never indicative of future performance.
The KOMPOZ contract, integrating the ETF with ESG criteria, offers you a concrete solution to benefit from optimal pilot management. Sicavonline’s recognized know-how allows you to benefit from an asset allocation in line with your values. With KOMPOZ, you join French investors who are committed to supporting a more responsible economic model.
The life insurance contract is a long-term investment. The duration of a life insurance contract, the amount of premiums paid and the characteristics of the contract chosen depend in particular on the financial situation of the subscriber, his needs and objectives, his attitude towards risk and the tax system. in force. The tax regime, likely to change, must not constitute an essential and determining condition without which the contract would not be signed.
*About AAA: Active Asset Allocation is a digital financial engineering company, recognized for its investment algorithms. Its mission is to give each institution and individual the means to achieve their financial goals. COANDA, AAA’s savings marketplace, offers digital tools that meet the specific needs as well as the communication needs around life insurance products of CGPs, insurers and management companies and beneficiaries.
*About Sicavonline: SICAVONLINE, a public limited company with a capital of 10000008 euros Head office: Village 5 – 50 place de l’Ellipse – CS 50053 – 92985 Paris La Défense Cedex – RCS de Nanterre n423973494 – INTRA-COMMUNITY VAT number: FR 40423973494 Service provider d’Investissement approved by the Prudential Control and Resolution Authority under number 19253. Insurance brokerage company and intermediary in banking operations and payment services, registered with ORIAS under number 18001256, www.orias.fr.
*About Ageas France: Company governed by the Insurance Code. Public limited company with a capital of 159221273.61 euros. Life insurance company SIREN: 352191167 – RCS Nanterre 352191167. Head office: Village 5 50 place de l’Ellipse CS 30024 92985 Paris La Défense Cedex. Ageas France, the French subsidiary of the international insurance group Ageas, has specialized in the creation and management of life insurance policies since 1903. The company puts its expertise at the service of its partners and distributors in order to offer them innovative solutions in terms of products and services. Ageas France offers a range of savings and retirement products that regularly receive awards from the specialist press, as well as numerous tax optimization and asset diversification solutions through its Ageas Patrimoine and Sicavonline subsidiaries.
Ageas is a listed international insurance group with almost 200 years of experience and know-how. It offers its individual and professional customers Life and Non-Life insurance products designed to meet their specific needs, today and tomorrow. Ranked among the largest European insurance groups, Ageas concentrates its activities in Europe and Asia, which together represent the major part of the global insurance market. It conducts successful insurance activities in Belgium, the United Kingdom, France, Portugal, Turkey, China, Malaysia, India, Thailand, Vietnam, Laos, Cambodia, Singapore and the Philippines through a combination of wholly owned subsidiaries and long-term partnerships with strong financial institutions and key distributors. Ageas is among the market leaders in the countries where it operates. It employs a total of around 40,000 people and achieved annual revenue of nearly 40 billion euros in 2021.
In addition and until December 31, 2022, we are offering up to 200 offered as a gift card for any first membership under conditions. Valid only for any first subscription to the KOMPOZ life insurance contract before 31/12/2022 inclusive.
100 multi-brand gift card for a minimum down payment of 5000. 200 multi-brand gift card for a minimum down payment of 10000. This offer, subject to conditions, is only valid for any first subscription to the KOMPOZ life insurance policy within the limit of the available envelope, made before 31/12/2022 inclusive, and should not be decisive in your choice of investment. The gift card will be sent by email to the customer, the email address provided when joining, three months after joining the KOMPOZ contract, provided that joining the KOMPOZ contract is still in effect at that time. Offer limited to one subscription to the KOMPOZ contract per person. The conditions of the offer, filed with the bailiff, are available from the broker Sicavonline.
KOMPOZ is a collective life insurance contract insured by Ageas France and marketed by Sicavonline, as an insurance broker. The subscriber of the KOMPOZ contract is the Personaliz Epargne Digitale association, become a member of the association and join the KOMPOZ contract.