Investment products offered by wealth management experts

Solutions for different wealth management objectives

The products presented by wealth management professionals can address a wide range of objectives. Some investments seek long-term capital growth or exposure to financial markets, while others focus on generating additional income, preparing for retirement, diversifying existing assets or optimising taxation.

Depending on the objective, investment horizon and acceptable level of risk, an investor may consider very different solutions, including equity or bond investments, property vehicles, life insurance policies, retirement savings plans, structured products or alternative investments.

Each solution has its own characteristics in terms of potential return, capital risk, liquidity, fees, investment period and taxation.

For international residents, the tax treatment of an investment may also depend on French tax residence, the country in which the product is held and any applicable tax treaty. A product that is tax-efficient in another country may not receive the same treatment in France.

The diversity of these products reflects the range of strategies that wealth management professionals can use to address different financial and personal objectives.

Understanding the characteristics of each investment product

The product pages presented in this section are designed to help you understand the principal features of each investment solution. Depending on the information available, they may explain:

• How the product works;

• Its main investment objective;

• Its potential returns and principal risks;

• The recommended investment horizon;

• The availability of the invested capital;

• The associated fees;

• Its general tax treatment in France;

• The types of investors for whom it may be suitable.

The aim is to help individuals discover and compare the main investment solutions used in wealth management, and to better understand the different approaches available for investing, generating income, preparing for retirement or transferring wealth.

This educational information provides a useful starting point before speaking with a professional. It does not determine whether a particular investment is suitable for you. That assessment requires an analysis of your financial circumstances, objectives, tax residence, investment horizon, knowledge and experience, need for liquidity and ability to bear losses.

Investment products within the French wealth management market

The products presented on this page illustrate the diversity of solutions offered or distributed by professionals operating within the French wealth management market.

Depending on their regulatory status and business model, advisers may have access to different providers and ranges of products. Some may work with a broad selection of financial institutions, while others distribute products from a more limited group of partners.

Browsing these product pages can help you understand how different investments work and identify the types of solutions that may correspond to your wealth objectives. You can then use the Experts du Patrimoine directory to find professionals able to analyse your circumstances and explain the options available.

Before investing, you should ask the professional to clearly present:

• The risks of losing some or all of the invested capital;

• The recommended holding period;

• All fees and commissions;

• Any restrictions on withdrawing or selling the investment;

• The tax consequences in France;

• How the adviser or firm is remunerated;

• Any potential conflicts of interest;

• Whether the investment is compatible with assets or tax obligations in another country.

Educational information, not personalised advice

Investing always involves risk. Returns are not guaranteed, and past performance does not predict future results. Some products may be difficult to understand, expose investors to significant losses or prevent access to the invested capital for a particular period.

The information provided on these pages is educational and general in nature. It is intended to help visitors understand the investment products available within wealth management in France.

It does not constitute an investment recommendation, tax opinion or personalised financial advice. Before making a decision, you should consult a qualified professional who can determine whether a product is appropriate for your circumstances, particularly if you live in France while holding income, investments or property abroad.