Natixis Global Asset Management today published the results of its 1st annual survey of French individual investors with financial assets of between \u20ac75,000 and \u20ac300,000 held in banks[[Average household holdings cumulated over the last 3 months.]]. This survey of 984 clients of French banks was conducted
\nin July 2014.<\/p>\n
Retirement is a priority for over 70% of savers. Concretely, 64% of them save money in view When asked to estimate retirement needs, one of every two investors stated that at least an According to Christine Lacoste, Head of network development at Natixis Asset Management, Savers who have put in place a financial strategy for retirement opted for safe or known Christine Lacoste stated \u201cIt is unfortunate that these savers overlook the potential for Generally, whether or not they have begun preparing for that long-term goal, the majority of 82% of savers questioned demonstrated a high level of uncertainty concerning financial Furthermore, when questioned about four types of funds (capital guaranteed or protected, After a quick presentation of the four investments solutions previously tested, many of those Savers prefer banks to manage their portfolios: nearly 3\/4 considered banks\u2019 advisory and According to Christine Lacoste,\u201d In addition to bank savings, Asset Managers have a vital role Natixis Global Asset Management today published the results of its 1st annualRetirement is a major concern for French individual investors. They entertain
\nambitious financial objectives with a view to maintaining their lifestyle.<\/quote><\/p>\n
\nof retirement, while 8% intend to do so. 69% do not believe that retirement pensions alone
\nwill be enough to allow them to maintain a reasonable lifestyle.<\/p>\n
\nadditional thousand euros per month would be necessary to live comfortably, while one of five
\nstated at least \u20ac1,500. To feel reasonably secure, 3\/4 would like to have saved at least
\n\u20ac100,000 towards retirement.<\/p>\n
\n\u201cThe results of the survey confirm that when faced with questions concerning the future of
\npay-as-you-go retirement, creating long-term savings is more than ever a major concern for
\nFrench savers.\u201d<\/em><\/p>\nBut these objectives are irreconcilable with the extremely safe investment
\nstrategies adopted.<\/quote><\/p>\n
\ninvestments: term deposits and passbook savings accounts (33%), life insurance in euros or
\nunits of account (28%). Less than 10% of the individual investors questioned opted for
\nfinancial or stock market investments. Retirement specific products were even less popular:
\nonly 16% subscribed to an individual pension plan.<\/p>\n
\nperformance offered by financial investments over the long term. Yet, against the background
\nof very low interest rates and returns, preparation for retirement should involve a more
\ndynamic investment approach, with a portion of savings being allocated to financial markets,
\nand reasonable risk.\u201d<\/em><\/p>\n
\nsavers (55%) want a safe investment offering capital protection. Specifically, half say they
\nprefer investments that are least exposed to market fluctuations, and over four out of ten are
\nlooking for rock-solid investments (41%). Despite this enormous paradox, practically all
\nsavers (90%) believe that their investments perfectly match their investment objectives.<\/p>\nBeyond an extremely cautious attitude provoked by economic conditions, this
\nparadox between the scale of objectives and safety of the methods deployed can be
\nattributed to an ignorance of investment solutions.<\/quote><\/p>\n
\nmatters and savings. Furthermore, there was little knowledge about solutions offered in real
\nterms. When asked to rate six bank savings plans and financial investments in terms of
\nperceived profitability from 1 to 6, (passbook savings accounts, Livret A savings accounts,
\nten-year French government bonds, CAC 40, PEL home savings plan and euro-nominated life
\ninsurance), savers surveyed found little difference among them, indicative of an inability to
\ndifferentiate between the investment solutions available.<\/p>\n
\nflexible, low volatility stocks and SRIs), only 15 to 20% of savers believed they were
\nknowledgeable about them. The vast majority (nearly 60%) admitted to being completely
\nignorant of them. Furthermore, this ignorance also extended to the area of taxation. Thus, a
\nlittle over 1\/4 were aware that the ceiling for PEA share savings plans had been raised at the
\nbeginning of this year, or had heard of the PEA-PME investment vehicle reserved for SMEs).
\nYet, the tax benefits offered by the product subscribed was considered of major importance
\nwhen choosing (69%).<\/p>\nClient education and support measures all the more essential, as after explanation,
\ninvestors were very interested in one or several investment solutions offered.<\/quote><\/p>\n
\nquestions demonstrated a real interest and desire to invest in them: 55% opted for formula or
\nprotection funds, nearly 30% for flexible funds and over 40% for low volatility stocks. Finally,
\n57% of savers would be interested in long-term growth, an important criterion when making
\ninvestment decisions with 1\/5 even setting it as a priority.<\/p>\nFor savers, their bank\u2019s financial advisor is at the center of support and information
\nservices in terms of generating savings.<\/quote><\/p>\n
\ninformation services of primary importance. Client education and information services are
\ncritical: Before making an investment, \u201cknowing and understanding in what their investment
\nhas been made, in concrete terms\u201d follows just behind capital protection for 50% of
\nparticipants.<\/p>\n
\nto play vis-\u00e0-vis individual clients in creating profitable, long-term savings solutions. In order
\nto respond to needs of investors looking above all for capital protection, we have launched
\nseveral innovative product offerings, combining market access and capital protection. For
\nthose keen to reinvest on equity markets, we have opted for themed and\/or SRI funds,
\nthereby restoring meaning to their investment.\u201d<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"
\nsurvey of French individual investors with financial assets of between \u20ac75,000 and
\n\u20ac300,000 held in banks. This survey of 984 clients of French banks was conducted
\nin July 2014.<\/p>\n","protected":false},"author":20,"featured_media":36480,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1481],"tags":[1656,1651,1437,1724,1962,1677,1680],"_links":{"self":[{"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/posts\/36482"}],"collection":[{"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/comments?post=36482"}],"version-history":[{"count":0,"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/posts\/36482\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/media\/36480"}],"wp:attachment":[{"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/media?parent=36482"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/categories?post=36482"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/tags?post=36482"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}