{"id":44366,"date":"2015-09-01T07:20:26","date_gmt":"2015-09-01T05:20:26","guid":{"rendered":"http:\/\/beta.next-finance.net\/note\/well-aware-of-the-new-financial-environment-french-savers-are-prepared-to-boost-their-investments-while-accepting-a-reasonable-degree-of-risk\/"},"modified":"2015-09-01T07:20:26","modified_gmt":"2015-09-01T05:20:26","slug":"well-aware-of-the-new-financial-environment-french-savers-are-prepared-to-boost-their-investments-while-accepting-a-reasonable-degree-of-risk","status":"publish","type":"post","link":"http:\/\/beta.next-finance.net\/en\/note\/well-aware-of-the-new-financial-environment-french-savers-are-prepared-to-boost-their-investments-while-accepting-a-reasonable-degree-of-risk\/","title":{"rendered":"Well aware of the new financial environment, French savers are prepared to boost their investments while accepting a reasonable degree of risk"},"content":{"rendered":"

French savers have become aware of the very low interest rate environment and its
\npossible impact on their savings in terms of performance.<\/strong><\/p>\n

Almost 80% of individual investors noted the decrease in returns on regulated savings
\nproducts and in interest rates, 64% noticed the lower return on euro-denominated life
\ninsurance products. Many expect the rate of interest on Livret A passbook savings accounts
\nto continue dropping (40%), as well as the return on euro-denominated life insurance
\nproducts (42%). On the other hand, 64% observed the rise in stock market prices in recent
\nyears.<\/p>\n

Furthermore, savers are more realistic and pragmatic regarding the return that can currently
\nbe expected on an investment. When asked from what level they consider an investment to
\nbe profitable, the majority (52%) replied between 3% and 5%. For them, very realistically,
\ntopping 3% per year is a threshold.<\/p>\n

\u201c2015 marks a real break for French savers. They have become aware of the new
\nenvironment of very low interest rates which now applies to them and of its impact in terms
\nof expected return on traditional savings products,\u201d<\/em> comments Christine Lacoste, Head of
\nnetwork development at Natixis Asset Management.<\/p>\n

This new deal means new dynamics: savers are prepared to boost their investments
\nto get a better performance in the long term.<\/strong><\/p>\n

Reflecting savers\u2019 greater maturity, the environment in 2015 is widely seen as being
\nconducive to changing investment objectives (71%), to diversify into new financial
\ninvestments adapted to the changing environment (71%) or even to invest in stock marketrelated
\ninvestments (60%). In actual fact, over the same period, a significant proportion of
\nsavers has even taken action: 41% have reviewed their goals, 38% have diversified their
\nsavings, 30% have invested in the financial markets.<\/p>\n

\u201cThe results of our 2015 survey confirm our observations on the ground: investors are
\ngradually moving back into potentially more efficient investments, notably mutual funds
\n(UCI[[ UCI: Undertakings for Collective Investment.]]\n) and diversified unit-linked accounts, for which they accept a reasonable degree of
\nrisk,\u201d<\/em> explains Christine Lacoste.<\/p>\n

French savers focus more on immediate budget savings than on reviewing their
\nsavings strategy regularly and astutely. And yet, savings strategies can generate
\ngreater potential gains over the long term. Financial advisors play a key role in
\nmaking them aware of this.<\/strong><\/p>\n

Almost 6 out of 10 savers (58%) say they have already renegotiated a telecom package,
\nmore than 55% have renegotiated their car insurance and almost 50% their mortgage, when
\nonly just over 40% reviewed their savings strategy in the first half of 2015.
\nAt the same time, like in 2014, banks\u2019 financial advisors remain the no.1 source of
\ninformation and advice for savers (cited by 69%). Financial advisors still have a key role of
\neducation and support for individual investors, particularly in understanding the market
\nenvironment and identifying investment opportunities to be seized.<\/p>\n

It should also be noted that the Internet comes top of the media consulted (17% for
\nspecialised savings and investment websites), and that its place in the sources of information
\nconsulted by savers is constantly growing.<\/p>\n

\u201cFinancial advisors remain the major players in making savers aware of the benefits of
\nchallenging and regularly revisiting their savings strategies \u2013 and this, in the same way and
\nwith the same agility that savers bring to their credits and existing contracts,\u201d<\/em> explains
\nChristine Lacoste.<\/p>\n

Retirement remains a major concern, leading to a surge of interest in more dynamic
\ninvestments, notably in the financial markets.<\/strong><\/p>\n

Like in 2014, preparing for retirement remains a priority goal for savers. The proportion of
\nsavers putting money aside for their retirement remains high in 2015, more than 66% (64%
\nin 2014).<\/p>\n

For this purpose, individual investors continue to use savings accounts or passbooks (34%),
\nas well as life insurance (26%). Individual retirement plans have lost some ground (from
\n16% in 2014 to 12% in 2015). On the other hand, financial and stock market investments
\nhave picked up (from 9% to 14%), showing they are becoming more open to more dynamic
\nstrategies.<\/p>\n

Specifically, individual investors show keen appetite for thematic equity funds, which give
\nmore context and purpose to long-term savings. When asked about their interest in equity
\nfunds in the themes of agriculture, job creation and the environment, savers express keen
\ninterest in all these themes: 42%, 43% and 55%, respectively.<\/p>\n","protected":false},"excerpt":{"rendered":"

Natixis Global Asset Management today published the results of its 2
\nnd annual survey of French individual investors with financial assets of between \u20ac75,000 and \u20ac300,000 held in banks[[Assets held at household level.]]. This survey of 1,000 clients of French banks was conducted in May 2015.<\/p>\n","protected":false},"author":20,"featured_media":44364,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1481],"tags":[1656,1655,1436,1651,1437,1724,1962,1680],"_links":{"self":[{"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/posts\/44366"}],"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=44366"}],"version-history":[{"count":0,"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/posts\/44366\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/media\/44364"}],"wp:attachment":[{"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/media?parent=44366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/categories?post=44366"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/beta.next-finance.net\/en\/wp-json\/wp\/v2\/tags?post=44366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}