- General condition analysis of contracts
- Good Value for Money
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
- Insurer
- Type of Contract
- Type of contract
- Version of the general conditions analyzed
- Contract status
- Open to new subscriptions
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
- Securing capital gains
- 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
- Mandate 30 / 70
- 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
- minimum amount
- Minimum balance after partial surrender
Death benefit
- Type of guarantee
- Maximum amount of loss insured
- Age limit for taking out the guarantee:
- 75th birthday of the insured
- Guarantee coverage age limit:
- 75th 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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