Assurance-vie - a tax efficiant, flexible portfolio bond investment

 - Invest a lump sum or save regularly into various financial supports of your choice : shares, bonds, mutual funds...
 - Your  capital remains accessible and you can make regular withdrawals
 -  Low rate of taxation on capital gains and after 8 years, benefit from an annual tax allowance of up to 9 200 € (apart from 11% social charges) for a couple 4 600 € for single
 - In case of death, each of your chosen beneficiaries can inherit up to 152 500 € tax free if you invest before your 70th birthday
 - Manage your investment  yourself or delegate it to our Management Investment Service

Nuances 3D

- Available with an initial investment of just 30 €
- Make monthly payments of 30 € or periodic deposits of 225 €
- Invest your capital into a selection of  different funds (stocks, shares, mutual funds) according to your aversion to risk
- Choose whether you wish to manage your investment yourself, jointly with the Caisse d'Epargne or delegate to our Investment  Management Service
- Your capital remains accessible and you can make periodic withdrawls

Ricochet

- Ideal for a long term savings plan
- Available with an initial investment of only 30 €
- Save 30 € per month
- The interest rate is guaranteed each year
- Your capital remains accessible
- After 8 years, take advantage a tax allowance of up to 9200 € on capital gains

PEA (Plan Epargne Actions)

- An investment made up of an account in euros and an envelope containing French and European shares
- Invest up to 132 000 €
- Buy and sell stocks and  shares freely with no tax penalties
- After 5 years, dividends are tax free (apart from social charges)
- For French tax residents only