Managed allocations
We also offer predetermined allocations, actively managed by La Française AM.
The principle is simple:
- We offer several management profiles (defensive, balanced, growth, growth plus) which correspond to the different types of investors which we have defined (prudent, moderate, offensive, aggressive).
- You and your client determine the profile which suits him/her best. This profile corresponds to a defined investment strategy.
- You have your client sign a mandate authorizing Euresa-life to entrust management of your allocation to the asset management company LFAM which will act directly on the basis of this contract and will manage this fund portfolio in keeping with the chosen profile.
- Arbitrage (switch) carried out by LFAM is carried out freely under the contract.
- Selection of this solution incurs additional management costs associated with the contract. The latter are set forth in the mandate signed by the client.
Your client's portfolio is therefore actively managed by a company specialising in the management of asset allocation and the selection of investment funds. This company regularly modifies and adjusts the distribution of the portfolio in keeping with the profile chosen. Investment under the terms of your client's contract is monitored without any involvement on your part.
If your client's investment objectives change during the term of the contract, he or she can easily transfer from one type of profile to another, or even to a mode of management with free allocation.
Different La Française AM profiles
LFAM Defensive
Objective: This portfolio focuses on security and prudence due to a major proportion of investments reputed to be safe, but aims at improving the return thanks to the choice of bonds and shares which add to it.
Distribution of assets: Equity funds: Max.30%.
Minimum recommended investment duration: 3 years.
LFAM DEFENSIVE was specially created for investors seeking low volatility.
LFAM Balanced
Objective: Strategy offering medium-term security with possible investment in the growth of shares markets. Balanced distribution between quality of the debtors and added value on shares.
Distribution of assets: Equity funds: Max.50%.
Minimum recommended investment duration: 4 years.
LFAM BALANCED was specially created for investors seeking a compromise between performance and low volatility.
LFAM Growth
Objective: Search for pronounced added value with a long-term objective primarily by backing the stock market while controlling the quality of the investments as well as their sectoral and monetary weighting.
Distribution of assets: Equity funds: Max.75%.
Minimum recommended investment duration: 5 years.
LFAM GROWTH was specially created for investors seeking an optimum return and who agree to major volatility for limited periods of time.
LFAM Growth Plus
Objective: Search for high performance at the price of a high degree of risk.
Distribution of assets: Equity funds: No limit.
Minimum recommended investment duration: 5 years.
LFAM GROWTH PLUS is suitable for investors who give priority to dynamic management of their assets and are considered well-informed as to market mechanisms. They accept the risks connected with changes in stock market rates in compensation for an objective of overperformance over a period of 5 to 7 years.
The performances of these different profiles can be consulted in the Toolbox section of our site by clicking here.