Analyse par Good Value for Money des conditions générales du contrat d

Analysis by Good Value for Money of the general conditions of the Kompoz modular online life insurance contract (sicavonline)

  • General condition analysis of contracts
  • Good Value for Money

Kompoz (sicavonline / Ageas France)

Good Value for Money analysis of the General Conditions

Version at 1er June 2022

Reference elements

  • Insurer:
  • Type of Contract :
  • Type of contract:
    • Collective with individual subscription
  • Association subscribing to the contract:
    • Personaliz Digital Savings
  • Version of the analyzed general conditions:
    • Version 00261 – June 2020
  • Contract status:
    • Open to new subscriptions

Costs

  • Membership fees for the Personaliz Epargne Digitale Association
    • 0.01% per year on outstandings
  • Entry fees on payments:
    • No fees on payments: 0%
  • Annual management fees on outstandings in Free management:
Annual fees on CUs and funds in Euros
(including 0.01% membership fees for the Personaliz Epargne Digitale Association)
Investment universe
Essential

OPCs and OPCIs

Investment universe
Extended

Essential investment universe
+ SCPI, ETF, SCI / SCP,
Live Securities, Private Equity

Option 1. 100% investment in units of account

0% funds in euros

0.45% if the customer implements
scheduled payments (PV)

0.50% in the absence of VP

0.65% if the customer implements
scheduled payments (PV)

0.70% in the absence of VP

Option 2. Investment of at least 70% in units of account
up to 30% funds in euros
0.50% if the customer implements
scheduled payments (PV)

0.55% in the absence of VP

0.70% if the customer implements
scheduled payments (PV)

0.75% in the absence of VP

Option 3. Investment of at least 50% in units of account
up to 50% funds in euros
0.55% if the customer implements
scheduled payments (PV)

0.60% in the absence of VP

0.75% if the customer implements
scheduled payments (PV)

0.80% in the absence of VP

Option 4. Investment of at least 30% in units of account
up to 70% funds in euros
0.60% if the customer implements
scheduled payments (PV)

0.65% in the absence of VP

0.80% if the customer implements
scheduled payments (PV)

0.85% in the absence of VP

Option 5. Minimum 0% investment in units of account
up to 100% funds in euros
0.65% if the customer implements
scheduled payments (PV)

0.70% in the absence of VP

(not accessible with this option)
  • Annual management fees on outstandings in Delegated management
    (applicable to both funds in euros and units of account)
    • 0.75% (including 0.01% for Association Personaliz Epargne Digitale)
  • Annual management fees on outstandings in Delegated management with security
    (applicable to both funds in euros and units of account)
    • 0.75% (including 0.01% for Association Personaliz Epargne Digitale)

Minimum payment amounts

  • Minimum opening deposit amount:
    • Free management: €500 (minimum €50 per financial support)
      lowered to €100 if scheduled payments are set up
    • Delegated management: €1,500
    • Delegated management with security: €1,500
  • Minimum free deposit amount:
    • 100 € (minimum €50 per financial support)
  • Minimum amount of scheduled free payments:
    • Monthly periodicity: 50 € (minimum €50 per financial support)
    • Quarterly periodicity: 150 € (minimum €50 per financial support)
    • Semi-annual frequency: 300 € (minimum €50 per financial support)
    • Annual periodicity: 600 € (minimum €50 per financial support)
  • Minimum / maximum investment amount:
    • SCPI (maximum of €150,000 for all SCPIs combined):
      • Min: €1,000 by SCPI
      • Maximum: €100,000 by SCPI
    • OPCI:
      • Min: €50 by OPCI
      • Maximum: (nil)
    • SCI / SCP (maximum of €150,000 for all SCIs / SCPs combined):
      • Min: €1,000 by SCI / SCP
      • Maximum: €100,000 by SCI / SCP
    • Vivid title (maximum of 30% of the mathematical provision of membership):
      • Min: €1,000 by Vivid Title
      • Maximum: (nil)
    • Private Equity (maximum of 30% of the mathematical provision of membership) :
      • Minimum: €5,000 by FCPR
      • Maximum: (nil)

Classic Euro funds

  • History of rates paid (net of fees and gross of social security contributions):
    • 2021: 1.25% to 1.61% according to the options chosen in the contract
    • 2020: 1.35% to 1.71% according to the options chosen in the contract
  • Possible investment constraint(s):
    • Absence of obligation to invest a minimum percentage in UA
    • No investment limit in the fund in euros

Proposed financial management methods

  • Free management:
    • Possible investment in the euro fund of the contract
      within the limits of the option chosen by the customer
    • Access to the range of units of account
      corresponding to the investment universe chosen by the client
    • Possible activation of the following financial management options:
      • Arbitration of capital gains
        • Requirement of a minimum outstanding amount of €1,000 on the starting medium
        • Requirement of an effective capital gain of at least €50 on the starting medium
        • Choice of a level of capital gain between + 5% and + 30% in steps of 1%.
        • Different setting possible on each unit of account
        • Daily control of positions
      • Capital loss limitation Absolute version
        • Requirement of a minimum outstanding amount of €1,000 on the starting medium
        • Choice of a capital loss level between – 5% and – 30% in steps of 1%.
        • Different setting possible on each unit of account
        • Daily control of positions
      • Capital loss limitation Relative version
        • Requirement of a minimum outstanding amount of €1,000 on the starting medium
        • Choice of a capital loss level between – 5% and – 30% in steps of 1%.
        • Different setting possible on each unit of account
        • Calculation of the loss in value compared to the highest net asset value recorded on the unit of account since its subscription or the reactivation of the option, and this for 5 consecutive days.
        • Daily control of positions
      • Euro Fund Profit Sharing (PB) Boost
        • Free choice of the units of account on which to invest and the distribution in %
        • Completion of an annual arbitration on January 15 of each year
        • Minimum amount to be arbitrated of €200
      • Progressive investment of savings
        • Requirement of a minimum outstanding amount of €1,000 on the starting medium
        • Free choice of the units of account on which to invest and the distribution in %
        • Arbitrage from the euro fund
        • Realization of a monthly arbitration on the 5th of each month of the sum indicated during a whole number of months at the choice of the subscriber
        • Minimum monthly amount to be arbitrated of €200
        • Minimum investment per medium of €50
        • Maximum option term of 24 months
      • Automatic rebalancing
        • Definition by the subscriber of his reference allocation
        • Rebalancing carried out according to the wishes of the member at a quarterly frequency: January 5, April 5, July 5, October 5
  • Delegated management / Delegated management with security:
    • Choice of a management profile among the 3 proposed:
      • Defensive: 80% funds in euros and 20% units of account
      • Balanced: 50% funds in euros and 50% units of account
      • Offensive: 20% funds in euros and 80% units of account
    • Possibility of opting for progressive security of savings by opting for delegated management with security
  • Methods of possible accumulation of the proposed management methods:

Range of units of account offered in free management – ​​Univers Essentiel

  • Classic units of account:
    • 520 units of account offered
    • 150 management companies
  • Real estate supports:
  • Trackers:
  • Live titles:
  • Private equity funds (unlisted)

Range of units of account offered in free management – ​​Extended Universe

  • Classic units of account:
    • 520 units of account offered
    • 150 management companies
  • Real estate supports:
    • 11 REITs
    • 5 Civil Societies (SCI, SCP)
    • 6 OPCIs
  • Trackers:
  • Live titles:
  • Private equity funds (unlisted)

Arbitrations

  • Minimum amount:
    • 100 € (minimum €50 per support, or even more for specific supports)
  • Billing:
    • 15 free arbitrations per calendar year
    • Invoicing of following arbitrations to the height of 1% of amounts transferred

Partial redemption

  • Minimum amount:
  • Minimum balance at the end of the partial redemption:

Optional floor guarantee

  • Maximum amount of insurable loss:
  • Subscription age limit:
  • Guarantee age limit:
    • 80th birthday of the insured
  • Annual warranty cost:
    • 35-year-old insured: 0.16% of capital at risk
    • 40-year-old insured: 0.24% of capital at risk
    • 45-year-old insured: 0.40% of capital at risk
    • 50-year-old insured: 0.59% of capital at risk
    • 55-year-old insured: 0.83% of capital at risk
    • Insured age 60: 1.15% of capital at risk
    • Insured age 65: 1.72% of capital at risk
    • 70-year-old insured: 2.66% of capital at risk

To learn more about the analysis of Good Value for Money, click on the following link: https://www.goodvalueformoney.eu/product/selection-sel0000469-kompoz-selection-2022

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