Analysis by Good Value for Money of the Epargne Vie Expertise (EVE) offer built by Groupe vyv in partnership with MUTEX

Savings Life Expertise (EVE) (Solution vyv x MUTEX)

Good Value for Money analysis of the General Conditions

Version as of September 21, 2022

Reference elements

Costs

Membership fees
- No membership fees
Upfront charges on payments
Annual management fees on the fund in euros
- 0.60% management fee on the euro fund
Annual management fees on unit-linked (UA)
- 0.60% management fee on account units
Additional discretionary management fees
- 0.25% additional management fees on the units of account concerned

Minimum payment amounts

Minimum opening deposit amount
- €150 in free management
- €1,000 in discretionary management
Free minimum deposit amount
Minimum amount of scheduled free payments
- Monthly periodicity: 50 €
- Quarterly periodicity: 150 €
- Half-yearly frequency: €300
- Annual periodicity: 600 €

Classic Euro funds

History of rates paid (net of fees and gross of social security contributions)
- 2021: 1.30%
- 2020: 1.30%
- 2019: 1.25%
Possible investment constraint(s)
- Investment of any payment in free management up to a minimum of 30% in units of account.
Nature of the capital guarantee provided on the fund in euros
- The capital guarantee does not include the annual management fee of 0.60%.
- Concretely, in the event of a fixed rate of 0%, the capital of the saver on the fund in euros could therefore fall by -0.60%. A payment of €1,000 could therefore drop to €994 at the end of the year after fees have been deducted.

Proposed financial management

Free management
- Investment exclusively in the euro fund of the contract
- Access to the following range of 8 units of account
  - EGAMO Euro Bond (euro area bonds) Greenfin Label
  - EGAMO Multi Action World (international equities)
  - EGAMO Action France (French stocks) Governmental SRI label
  - EGAMO Convertible Euro (euro zone convertible bonds)
  - EGAMO Multi Action Euro (eurozone equities)
  - EGAMO Money Market (monetary fund in euros)
  - EGAMO Short Term Bond (euro area bonds)
  - EGAMO Flexible Allocation (euro zone flexible management) Governmental SRI label
- Possible activation of the following financial management options:
  - Securing capital gains
    - Daily check of the option
    - Absence of minimum outstanding constraint on the starting medium
    - Choice of a percentage of capital gains allowing the triggering of the arbitrage, with a minimum of 5%
    - Minimum amount of capital gain to be arbitrated of €100 per medium
    - Free arbitrations carried out, if applicable
  - Dynamization of interests
    - Choice of one or more medium in which to invest the profit sharing (PB)
    - Completion of an annual arbitration, once the profit sharing has been paid
    - Investment of the PB in proportion to the number of supports retained
    - Minimum amount to be arbitrated of €100
    - Free arbitrations carried out, if applicable

Management under mandate
- Signature by the saver of an arbitration mandate with his insurer
- Choice by the saver of a mandate among the 3 offered in the contract:
  - Mandate 30 / 70
    - Recommended investment horizon of 3 years
    - Target allocation of 70% on the support in euros and 30% in units of account
  - Mandate 50 / 50
    - Recommended investment horizon of 5 years
    - Target allocation of 50% on the support in euros and 50% in units of account
  - Mandate 70 / 30
    - Recommended investment horizon greater than 5 years
    - Target allocation of 30% on the support in euros and 70% in units of account

Multi-pockets
- Need for the saver to choose a management method from among those offered, without the possibility of building up several pockets within his contract.
- Possibility for the saver to switch from free management to management under mandate (or vice versa)
  - Free operation if carried out online
  - Otherwise, 1 changeover possible per calendar year, then flat-rate billing of €15 for any subsequent ones
- Possibility for the saver to change mandate within discretionary management
  - Free operation if carried out online
  - Otherwise, 1 changeover possible per calendar year, then flat-rate billing of €15 for any subsequent ones

Arbitrations

minimum amount
Billing
- Free of all online arbitrations.
- 1 free arbitration per calendar year in all cases.
- Invoicing of any subsequent arbitrages during the calendar year, not carried out online, up to 0.50% of the capital transferred.
Constraints to respect
- Obligation to leave a minimum balance of €150 per medium after arbitration
- Obligation to respect a minimum percentage of 30% in units of account.

Partial redemption

Death benefit

Type of guarantee
Maximum amount of loss insured
Age limit for taking out the guarantee:
- 75^th birthday of the insured
Guarantee coverage age limit:
- 75^th birthday of the insured
Annual warranty cost:
- Billing from 0.12% to 5.08% depending on the capital at risk and the age of the insured
Methods of debiting fees:
- Monthly invoicing with a pro rata debit on all the supports of the contract

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