Financial Investment

The French ‘Assurance Vie’ or Life Assurance contract is a financial vehicle that offers unmatched benefits to investors.

With Fraselle Consultants, you can benefit from the best Life Assurance contracts whether in France or Luxembourg (ideally suited to expatriates who are not fiscal residents of France).

These contracts allow you to benefit from the management of assets in an open architecture, with access to several financial classes of assets:

• The ‘Fonds Euro’ or Euro fund, consists mostly of bonds and is available to French Residents and is guaranteed. The value can never be negative even temporarily. It is the most efficient zero risk investment on the market with a yield of about 2%. It is not a high performing investment & should therefore be used as a cash investment allowing for liquidity.
• There are a plethora of financial supports available, more than 6000 products. Fraselle Consultants analyses, selects and invests in the most suitable of these to build a strong, durable asset allocation, adapted to the market conditions. To do this, Fraselle uses several parameters ; geographical diversification, company size, currency and asset diversification.  Fraselle Consultants will build a tailor-made portfolio for you to create performance according to 3 parameters :
  • What is your risk / performance ratio?  
  • What is your investment duration?
  • How much liquidity do you want to have available at any time?

In order to benefit from the performance of the markets, it’s essential to have a good knowledge of the financial markets, or to have a financial advisor who does, and to adapt your investment behaviour accordingly.

Fraselle Consultants will advise you on the best methodology for investing serenely in the markets.  By making regular investments in the markets, every month or every quarter and accepting market variations you will achieve maximum performance.  For a degree of liquidity Fraselle Consultants uses the Euro Fund, where funds can be available as required.

Fraselle Consultants establishes these same asset allocations for capitalization contracts, such as PEA insurance, MADELIN contracts and PERPs. Whatever the investment vehicle, our methodology is based on the same integrity.

Fraselle Consultants will report to you every year the results obtained and explain how this performance has been realized.