Towards an annualized return of at least 4.8% with H Performance 42

Hedios Patrimoine markets until February 28 H Performance 42 (Isin code: FR0014006F74), a financial instrument with a nominal value of 1,000 euros similar to a bond with a maximum term of twelve years, the performance of which depends on that of the index S&P Euro 50 Equal Weight Synthetic 5% Price. The latter is made up of the fifty largest market capitalisations in the euro zone, on an equally weighted basis. Its composition is reviewed every quarter. A flat-rate deduction of 5% per year is made in exchange for the reinvestment of dividends.

At the end of one year, an early redemption can take place every year if the index has gained at least 10% compared to the initial recognition date, resulting in a remuneration of 37% increased by 3% per year. elapsed, a gain of 40% after one year. Otherwise, at the end of the twelve years, the saver will have a capital gain of 73% (37 + 3% x12) if the index has appreciated by at least 10%. Between + 10% and – 30%, the capital will be reimbursed, after deduction of the costs linked to the investment. With a decline greater than 30%, a loss similar to that of the index will be noted.

The notice to invest

With early repayment or at maturity, the annual compensation offered by H Performance 42 will be between 4.8% and 40%. The percentage is therefore very variable depending on the year of repayment. Due to the fairly high levels of eurozone stocks, a payback in a year is not the most likely assumption. But, it should occur before the deadline. Assuming this to be the case in five years, compensation would still be close to 9%, an attractive percentage given the low bond yields. As for the probability of losing a lot of money, it is low. The index should not gain 10% for 11 years and be at a low level at maturity. We therefore recommend this fund which should improve the risk / return ratio of your portfolio.