REQUIREMENT 16 – Savings guide

Requirement 16

Structured product issued by SG Issuer, eligible for many life assurance contracts, especially at SPIRICA (Linxea Spirit 2) or SURAVENIR (PREVI-HORIZONS), Generali Vie (Cashbee+). This structured product is not capital guaranteed, but can only be partially protected. The notion of guaranteed capital cannot be used to write this product. L’objectif de rendement n’est aucunement guaranteed.

This structured product anticipates une hausse des marchés financiers and non une baisse. In case of market decline, the investor has a strong probability of losing half of his capital. Which financial product has no entry fee, no management fee and no exit fee.

  • Earning objective: 10% gross / year, not guaranteed,
  • Date of initial finding: 31/10/2022,
  • Objectif de gain: 0.0274% per jour calendaire écoulé (soit 10% gross per year),
  • Yield protection: -30%
  • Capital protection: -50%
  • Fréquence de rappel : Quotidienne au bout d’un an an
  • Underlying index: iSTOXX ® France ESG 40 Decrement 50
  • ISIN: FRSG00012T50
  • Minimum investment: €1,000

L’investisseur est exposé au marché actions par le bias d’une exposure à l’indice iSTOXX® France ESG 40 Decrement 50 (ISIN code: CH1160682667). The refund of the product “EXIGENCE 16” is conditional on the evolution of the index calculated by reinvesting the gross dividends detached from the actions that compose them and by withdrawing a fixed and constant deduction of 50 points of the index per year. In the event of a decline in the index of more than 50% at the final reporting date, the investor suffers a loss in capital equal to the total loss recorded by the index. In order to benefit from a repayment of capital in the event of a decline of less than 50% (included) of the index at the final reporting date, the investor accepts to limit his gains in the event of a strong increase in market shares (Taux maximum Gross Annual Return of 9.80%, which corresponds to a Net Annual Return of 8.70%)

EXIGENCE 16 is issued by SG ISSUER. The underlying structured product is the iSTOXX® France ESG 40 Decrement 50 Index (Bloomberg Code: ISXFREDP Index) calculated en reinvestissant les dividends bruts detached par les actions qui le composent et en retranchant un prélèvement fo. The EXIGENCE 16 subscription period ends on 31/10/2022 (subscription dates may vary depending on financial intermediaries). His Synthetic Risk Indicator is 5/7. The list of insurers that propose EXIGENCE 16 on their contracts: SPIRICA, SURAVENIR.

Product Structuré EXIGENCE 16: details
Product Structure EXIGENCE 16
Commercial name REQUIREMENT 16
Emitter SG ISSUER
ISIN code FRSG00012T50
Nominal value on the one hand €1000.00
Entrance fee 0.00%
Exit fee 0.00%
Information subscription L’indice iSTOXX ® France ESG 40 Decrement 50 (Bloomberg Code: ISXFREDP) is an index of marching shares created by STOXX Limited, dont la quotation est calculated, tenue à jour et published in real time by STOXX Limited. The investment universe of the index is the French companies of the EURO STOXX Total Market ESG X 1 non-impliquées dans les activités pétrolières et gasières non conventionalles Parmi les 120 plus grandes capitalisations bursières, l’indice selectionne les 60 entreprises les mieux notées in termes de gestion des risques ESG through Sustainalytics Il retient les 40 plus grandes capitalisations boursières et les ponderes selon leur capitalisation boursière. The iSTOXX ® France ESG 40 index Decrement 50 is calculated en réinvestissant les dividendes bruts détaché par les actions qui le compocent et en retranchant un levèvement un faitaire de 50 points d’indice per year Si les dividendes distributed sont inférieurs (respectively superiors) au niveau de levèvement forfaitaire, la performance de l’indice en sera pénalisée (respectively improved) par rapport à un indexe dividendes non réinvestis classique.
Synthetic Risk Indicator (7 = maximum risk) ⚠️ 5/7
Description deadline 31.10.2022
encore 39 days before the end of the subscription period of this structured product.
Recommended investment duration 10 years
Underlying financial asset Index iSTOXX® France ESG 40 Decrement 50 (Bloomberg Code: ISXFREDP Index) calculated en reinvestissant les dividends bruts detached par les actions qui le composent et en retranchant un prelèvement fo
Simplified mechanisms
Observation quotidienne du cours de clôture de l’indice between 31 October 2023 (included) and 01 November 2032 (excluded). A gain of 0.0274% per calendar day écoulé between the initial data (included) and the daily data (excluded), or 10.00% per year (Taux de Rendement Annuel Brut maximum of 9.80%, which corresponds to a Net Annual Rate of Return of 8.70%)Assureurs proposing EXIGENCE 16 en unité de compte sur une partie de leurs contrants d’assurance-vie (1)
SPIRICA, SURAVENIR
It is imperative to prendre de l’ensemble de la documentation financier (notamment le scénario défavorable) avant de underuscrire a structured product.(1)

: non-exhaustive list des offres du marché. Liste donnée à titre indicative.

Profit target: 10% gross

The discount yield is 10%, according to the terms and conditions of application of the structured fund. Il s’agit d’un objectif et aucunement d’un rendement garanti.

Benchmark

Index iSTOXX® France ESG 40 Decrement 50

© Lynx

Assurance-Vie Linxea Spirit 2: from 50 euros to 250 euros is offered to new Linxea customers, offers to seize before September 30, 2022
Assurance-Vie Linxea Spirit 2: from 50 euros to 250 euros is offered to new Linxea customers, offers to seize before September 30, 2022

Assurance-vie LINXEA, bienvenue offer © FranceTransactions.com

Documentation

    DOCUMENTATION

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    Structured product, a risky investment.

  • Les produits structured sont des titres de créance presenting a risk of perte en capital partielle ou total en course de vie et à l’échéance.

  • The structured products are not suitable for elderly investors (over 70 years old, non respect of their investor profile) or those wishing to leave before the start of the product.

  • L’attention des investisseurs est vestirée sur le fact qu’en investissant sur des titres de créance ils prenn un credit risk sur l’Metteur et sur le Garant de la formulas. You support the possible risk of default of payment and bankruptcy of the issuer, so the risk of default of payment, bankruptcy and resolution of the formula.

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