While the CAC 40 index has recently returned to the 6000 points it last reached more than six years ago, investing in shares nowadays places the investor - whether he likes it or not - up against a considerable risk of short-term correction.
While the CAC 40 index has recently returned to the 6000 points it last reached more than six years ago, investing in shares nowadays places the investor - whether he likes it or not - up against a considerable risk of short-term correction. That being the case, from a long-term investment perspective, it is essential to be able to invest progressively, so as to limit the effect of the inevitable hiccoughs in the securities market. Within this context, Aviva's Lisséo - Aviva Puissance 2 May 2008 offer provides a solution that is particularly geared towards investors wishing to benefit from the favourable prospects of the "equity product" in the long term, while minimising the impact of a possible short-term drop.
Lisséo - Aviva Puissance 2 May 20081
A comprehensive, competitive offer is available from 7 May to 20 July 20072.
The rate guaranteed by the Lisséo - Aviva Puissance 2 May 2008 offer1 is 4.40% APR from 7 May 2007 to 6 May 2008, which is one of the highest rates currently available on the market. Lisséo - Aviva Puissance 2 May 20081 allows subscribers to invest in equity markets while benefiting from products in the Aviva Gestion d'Actifs UCITS range.
Investors will certainly be reassured by the fact that, at the end of 2006, Aviva Gestion d'Actifs was awarded the Corbeille Long Term prize in the Mieux Vivre Votre Argent (Make Your Money Work for You) category, which rewards the best industry-wide management over five years.
Introducing major innovations in the approach to financial saving, the distinctive feature of this offer is that it gives subscribers the freedom to choose between two different investment styles.
Aviva Lisséo option: a paced investment to ride out market fluctuations!
Innovative and particularly adapted to the current market context, the Aviva Lisséo option is a solution that allows subscribers to progressively invest in the equity market, with a management team that is regularly acknowledged by the financial press.
The Aviva Lisséo option allows savers who wonder about the evolution of markets after a bullish phase to easily benefit from the advantages of a gradual, steady entry into those financial markets.
Capital is immediately invested in the product with 4.40%3 APR guaranteed from 7 May 2007 to 6 May 2008. Then, until 1 May 2008, free automatic monthly switching makes it possible to regularly invest savings in unit-linked products eligible for the operation.
With this offer, Aviva Vie remains faithful to its convictions and recommends unit-linked products for life insurance portfolios, with a strong customer guidance policy.
Therefore, Aviva Lisséo is suitable for all investors who, while accepting the degree of risk inherent in equity investment, wish to invest in a structured way so as to smooth out the constant fluctuations in the markets.
The Aviva Puissance 2 option, meanwhile, protects part of the investors' capital while immediately investing the remainder in equity markets, supported by the high quality management provided by Aviva Gestion d'Actifs. A maximum of 40% of the capital is immediately invested in the product with 4.40%3 APR guaranteed from 7 May 2007 to 6 May 2008. The remaining capital - at least 60% - is invested in the range of Aviva Gestion d'Actifs products eligible in the offer.
It is important to note that Aviva was one of the precursors in the use of customer information. Since 1 May 2007, it is compulsory to ascertain customer needs and expectations for every life insurance policy taken out. At Aviva, this process has been an integral part of its "good advice" strategy since 2004, and is deployed throughout its sales network.
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Press contacts:
Aviva Vie
David Chenu
Telephone: +33 (0)1 7662 6792
E-mail: david_chenu@aviva.fr
HDL Communication
Valérie Dudoit
Telephone: +33 (0)1 5865 0118
E-mail: vdudoit@hdlcom.com
Notes to editors:
To support is sales network and accompany the Lisséo - Aviva Puissance 2 May 2008 offer1, Aviva Vie has launched a new press campaign. The picture from the press advertisement is enclosed with this release.
1 Offer reserved for new payments made between 7 May 2007 and 20 July 2007, only for life insurance policies offering this deal and subject to the specific terms and conditions of this offer.
2 Aviva reserves the right to end the subscription period before 20 July 2007.
3 Excluding social security and tax deductions. Rate applicable to the net amounts invested within the framework of the "Lisséo - Aviva Puissance 2 May 2008" offer. The APR of 4.40% is guaranteed from 7 May 2007 to 6 May 2008, pro rata over the period of investment in this product.
For the Aviva Lisséo option, on 6 May 2008, all the remaining savings invested in the guaranteed product following the last scheduled monthly switch will be automatically switched, free of charge, according to the distribution recorded for the scheduled monthly switch carried out on the same day.
For the Aviva Puissance 2 option, on 6 May 2008, the remaining savings invested in the guaranteed product will be automatically switched, free of charge, according to the distribution initially chosen between the UCITS products available for the operation.
About Aviva:
Aviva is Europe's leading provider of life insurance and long-term savings products with strong positions in other markets around the world. Based on gross premiums at 31 December 2005, Aviva is the world's fifth-largest insurance group. Aviva's principal business activities are: life insurance and long-term savings, fund management and general insurance. At 31 December 2006, Aviva had turnover of €61.9 billion, with €543 billion of assets under management.
With more than 150 years' experience in France, Aviva is one of the top 10 players in the insurance market. Aviva France operates with a balanced multi-distribution model, which has proved hugely successful: 875 general agents, 1,800 branch staff, 400 life insurance advisers, 1,000+ brokers, and its partners (Union Financière de France and Médéric).
Aviva France also has major partners such as AFER, the largest savings association in France, and the Crédit du Nord Group.
Specialising in unit-linked products, Aviva is recognised for the excellent performance of its long-term funds and solid commitment to its customers through its Good Advice approach. Aviva employs more than 3,200 staff. At 31 December 2006, Aviva France recorded consolidated sales of €6.4 billion, a consolidated operating profit of €689 million (based on the embedded value - EEV/IFRS standards) and managed assets worth €72.9 billion.
Press releases are available on the / and http://www.aviva.fr/ websites.