Examples
investment
Financial:
Structured product
Fund distributing 10% of coupon in 2019.
Complex debt security that gives you a gain of 10% * per year for 10 years as soon as the SBF top 80 EW Decrement 50 Points index does not record a drop of more than 15% compared to its original level.
* Excluding management fees and entry fees.
Characteristics
The SBF Top 80 EW Decrement 50 Points index is an equity market index created by EURONEXT whose quotation is calculated, kept up to date and published in real time by EURONEXT. It is made up of the 80 main companies of the SBF 120 index, itself composed of the 40 stocks of the CAC 40, the 20 stocks of the CAC Next 20 and the 60 stocks of the CAC Mid 60. The stocks of the SBF Top 80 index EW Decrement 50 Points are equally weighted on each quarterly review date and selected on the basis of their market capitalization as well as the number of securities available on the market.
Goals :
Reimbursement mechanism:
EARLY REDEMPTION MECHANISM
From year 1 to year 9, on each annual recognition date, as soon as the level of the index is greater than or equal to its level observed on the initial recognition date, an early redemption mechanism is automatically activated and the product stops.
The investor then receives on the early redemption date: The entire initial capital + a gain of 10% * per year since the origin.
Otherwise, if the level of the index is lower than its level observed on the initial recognition date, the early redemption mechanism is not activated and the product continues.
REPAYMENT MECHANISM AT MATURITY
On the final recognition date (10/31/2028), if the early redemption mechanism has not been automatically activated previously, the level of the index is compared to its level observed on the initial recognition date (on 10/31/2018).
- FAVORABLE CASE: If the level of the index is greater than or equal to 85% of its level observed on the date of initial recognition, the investor receives 07/11/2028: The entire initial capital + a gain of 10% * per year since origin, a gain of 100% *
- MIDDLE CASE: If the level of the index is less than 85% of its level observed on the date of initial recognition but greater than or equal to 50% of this same level, the investor receives 07/11/2028: L of the initial capital
-ADVERSE CASE: Otherwise, if the index registers a drop of more than 50% compared to its level observed on the date of initial recognition, the investor receives on 07/11/2028: The final value of the index in In this scenario, the investor suffers a capital loss at maturity up to the entire decrease recorded by the index.
It is a debt security presenting a risk of capital loss during its life and at maturity.
Its recommended investment period is 10 years.
The minimum investment amount is € 1,000
It is an alternative investment product to a risky dynamic equity-type investment.
SCPI "paper stone"
Company SCPI meeting the needs of SMEs and SMIs. Its real estate heritage is made up of business premises and warehouses located in Europe.
Variable capital SCPI
Capital at 05/05/2019: € 1480.00M
9 year investment horizon
The distribution rate in 2018 was 7.28%
Execution only: Professional
Execution with appropriateness test or advice not provided: Individual
Investment advice: All types of investors
Portfolio management: Any type of investor
Real Estate:
Pinel Law
Real investor profile case:
A PACS (or married) couple with a child, i.e. 2.5 shares
€ 86,825 of tax household income
Marginal tax bracket at 30%
Income tax of € 13,107 including social security contributions
Investment criteria:
Return of lot of typology 4 rooms with view on the interior garden, in floor of 87m2 with terrace, kitchen, parental suite and parking included on the metropolis of Montpellier of a program in VEFA at the end of marketing equivalent of a pre-marketing excluding GFA.
Price: 194,000 €
Notary fees: € 4,850
Security deposit: 2000 €
Total acquisition: 200850 €
Before negotiation of the notary fees offered and excluding promotional offers
Total financing of the project over 25 years with nominal rate of 1.50% and total deferral of monthly payments during the construction phase: 18 months
Pinel A area
Rent guaranteed by the manager: 790 € / month
Simulation including:
- No added value on resale
- Notary fees
- Condominium fees
- Rental management fees
- Property tax
- Acquisition costs
- Interim interest
- Insurance
- Land benefit
We are on self-financing with an internal rate of return of 23.66% / year.
If customers resell the property after 9 years, they withdraw a capital of € 55,296 net of tax
They save up to € 3,977 in taxes / year
Depreciable LMNP status
-T1 in a student residence of 18m2 in the metropolitan area of Lyon
Price: € 49,765 ht including € 900 of furniture
BIC income of € 2,027 annually, i.e. a tax-free return of 4.07% / year
Property tax of 335 €
80 € work provision fund
Furniture:
Raw material gold
Tradable everywhere, gold is "the" safe haven. Physical gold comes in the form of ingots, bars, wafers and coins, as opposed to paper gold. Bars, bars and bars will be considered investment gold if they weigh more than one gram and have a purity of at least 995 thousandths. The coins must have a purity of at least 900 thousandths and have been struck after 1800. The main one: 20 francs Napoleon.
