This is an assurance vie created by Allianz for people who have less than 30 000€ to invest. It has the same advantages as an assurance vie regarding death duties and income tax.
- Who can invest in it: Anybody who is French resident between 18 and 85 years old.
- How much you can invest: You can invest as little as 100€ per Month or/and as little as a lump sum of 5 000€.
- How it is invested: They are 4 funds available from the more Prudent (3 of out 7 in the risk scale) to the riskier (5.5 out of 7 in the risk scale).
You can change from one fund to another at any time.
Performance: As you can see below, the lower risk has made +10.54% in 5 years and the higher risk +39.67% in the last 5 years.
- Fees: Entry fee of 4.50% negotiable of course + 12€ admin fee!! And yearly management fees of 0.93%.
No fees for taking the money out.
- Availability: The money is available at any time. You can add to it whenever you want and make partial withdrawal (even regular Monthly or yearly) or total withdrawal whenever you want.
With interest rates being at their lowest ever, it is imperative to look at alternative investments that would bring more income. Especially if the inflation goes above the % of interest you get. If this happens, you actually lose money without realising it! This product is good for people who want to take advantages of the Assurance vie saving account but don’t have automatically the big lump sum to invest yet.
Allianz has a solvability ratio that is one of the best on the market at 174% for Allianz France and 200% for Allianz Group so don’t hesitate to contact me for any further information regarding our very large range of investments.
And remember to check out our web site www.bh-assurances.fr/en for all my previous articles (“practical information”) and register to receive our monthly Newsletter. You can also follow us on Facebook: “Allianz Jacques Boulesteix et Romain Lesterpt”
And don’t hesitate to contact me for any other information or quote on subject such as Funeral cover, inheritance law, investments, car, house, professional and top up health insurance, etc…*
Contact us !
In order to discuss and meet your need as best as possible, feel free to contact us with a mail, phone call... We can also schedule a meeting in one of our four agencies... Or directly to your home !