Analyze through Good Value for Money des conditions générales du contract associatif Epargne Retraite 2 Plus d’Asac Fapes

  • Analyze the general condition of contracts
  • Good value for money

Epargne Retraite 2 Plus (Asac Fapes / Allianz Vie)

Analyze good value for money des Conditions Générales

Version of August 3, 2022

Reference items

  • Insurer:
  • Type of contract:
  • Nature of the contract:
    • Collectif à souscription individual
  • Contracting association:
  • Version of the general conditions analyzed:
  • Contract status:
    • Ouvert aux souscriptions nouvelles

Frais

  • Fees à l’entrée on les installments:
    • 2.00% from €0 to €75,000 in one installment
    • 1.80% from €75,001 to €150,000 in one installment
    • 1.60% from €150,001 to €300,000 in one installment
    • 1.50% from €300,001 to €750,000 in one installment
    • 1.20% from €750,001 to €1,500,000 in one installment
    • 0.90% more than €1,500,001
  • Annual management fees on funds in euros:
    • 0.36% fund management fee in euros
  • Annual management fee on the eurocroissance fund:
    • (absence of the eurocroissance fund)
  • Annual management fees on account units (UC):
    • 0.60% of account unit management fees levied quarterly
  • Additional annual management fees en management profile
    • 0.30% of account unit management fees levied quarterly

Minimum payment amounts

  • Minimum payment amount at opening:
  • Minimum free deposit amount:
    • €150 (absence of minimum financial support)
  • Minimum amount of program-free installments:
    • Menstrual frequency: €50 (absence of minimum financial support)
    • Quarterly frequency: €150 (absence of minimum financial support)
    • Semester frequency: €300 (absence of minimum financial support)
    • Annual period: €600 (absence of minimum financial support)

Fonds en Euros classique

  • Historique de taux servis (net de frais et bruts de prélèvements sociaux):
    • 2021: 1.80%
    • 2020: 1.85%
    • 2019: 2.05%
    • 2018: 2.48%
    • 2017: 2.58%
    • 2016: 2.80%
    • 2015: 3.02%
  • Possible investment constraints:
    • Minimum 30% investment requirement in account units

Proposed financial management

  • Free management:
    • Investissement possible in le fonds in euro du contract, with now the contrainte d’investissement à 30% in UC pour les news subscriptions
    • Access to the range of account units
    • Possible activation of the following financial management options:
      • Progressive dynamism des versements
        • Possibility of cumulative replacement of the option in different free versions, with a specific parameter for each time
        • Free choice of account units on the same investment and distribution in %
        • Storage des sommes à arbitrer in a temporary dynamization support
        • Choice of the amount of arbitrages to be made, as well as the number of monthly arbitrages to be made between 6, 12, 24 and 36
        • Gratuité des arbitrages réalisées, le cas équipement
      • The progressive dynamization of capital
        • Free choice of account units on the same investments (10 supports at most) and the distribution in %
        • Arbitrage from funds in euros, with a minimum global amount of €1,200
        • Choix du montant des arbitrages à réaliser, ainsi que du nombre de arbitrages mensuels à réaliser between 6 and 12
        • Gratuité des arbitrages réalisées, le cas équipement
      • Securing performance
        • Monthly control of the option
        • Absence of constraints d’encours minimum sur le support de départ
        • Libre fixation du seuil de plus-value (whole numbers) between + 5 % et + 15 %
        • Different setting possible on each account unit
        • Gratuité des arbitrages réalisées, le cas équipement
  • Profile management:
    • Management delegation de tout ou partie de l’épargne at Allianz Banque
    • 5 management orientations au choix:
      • Asac 30:
        • 65% of funds in €
        • 22% of supports in moderate-risk UC
        • 13% of supports in UC à risc élevé
      • Asac 45:
        • 50% of funds in €
        • 22% of supports in moderate-risk UC
        • 28% of supports in UC à risc élevé
      • Asac 60 :
        • 40% of funds in €
        • 22% of supports in moderate-risk UC
        • 38% of supports in UC à risc élevé
      • Asac 75:
        • 30% of funds in €
        • 23% of supports in moderate-risk UC
        • 47% of supports in UC à risc élevé
      • Asac 90:
        • 10% of funds in €
        • 23% of supports in moderate-risk UC
        • 67% of UC high-risk supports
      • Possibility pour l’adherent d’investir par ailleurs a share of capital in the specific supports, not at SCI Allianz Invest Pierre.

Proposed range of accounting units

  • Classic account units:
    • 50 proposed account units
      • 35 UC shares
      • 7 UC Flexible management
      • 4 UC Obligations
      • 1 UC Flexible management
      • 1 UC Gestion alternative
      • 1 UC Real Estate
      • 1 UC Monétaire
    • 27 management companies
      • Allianz Global Investors: 14 UC
      • BlackRock: 4 UC
      • Loyalty: 4 UC
      • BNP Paribas AM: 3 UC
      • Candriam: 2 units
      • Franklin Templeton: 2 UC
      • M&G Investment Management: 2 UC
      • Schroder IM: 2 UC
    • Supports immobilizers:
      • 1 SCI: Allianz Invest Pierre (Immovalor Gestion)
    • Trackers:
    • Live headlines:
    • Private equity fund (non-coté):
    • Infrastructure funds:

arbitration

  • Minimum amount:
  • Billing:
    • 4 free arbitrations for the calendar year
    • Billing of subsequent arbitrages à hauteur of 0.50% of the arbitrated amount.

Partial shit

  • Minimum amount:
  • Minimum balances at the issue of partial redemption:

Optional floor warranty

  • Souscription possible de l’option à l’adhesionsous réserve d’avoir moins de 75 ans.
  • Ceiling from guarantee to €750,000 paid-up capital, if applicable.
  • Billing à hauteur de 0.20% of l’epargne du contract (0.05% quarterly).
  • Fin de la garantie aux 83 ans de l’adhérent.

To know more about Good Value for Money analysis, click on the following link: https://www.goodvalueformoney.eu/produit/selection-sel0000478-epargne-retraite-2-plus-asac-fapes-selection-2022-2023

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