Good value-for-money analysis of the general conditions of La Médicale PERennité Individual PER for liberal medical and paramedical professionals

  • Analysis of the general status of contracts
  • Good value for money

La Médicale PERennity (La Médicale / Spirica)

Good value for money analysis of general terms

Released as of May 18, 2022

reference items

  • believer:
  • Type of Contract :
    • Individual retirement savings plan (PERIn)
  • Type of Contract:
    • Group with individual subscription
  • Entity subscribed to the collective contract:
    • Association Retraite Falguière
  • A copy of the general terms analyzed:
  • Contract Status:
    • Open for new subscriptions

Costs

  • Assembly fee:
    • €10 subscription fee when subscribing
  • Payment Entry Fee:
    • 2.50% max fee on payments
  • Fund annual management fee in euros:
    • New Generation Euro Fund: 2.00% of it:
      • 0.70% administrative, administrative and commercial fee
      • 1.30% is used to enhance asset allocation
    • Annual management fee on the internal fund:
      • Long Term Allocation Growth Fund (ALT):
        • 1.00% annual administration fee
          + 10% financial performance fee if positive
      • Annual management fee for account units:
        • 1.00% is deducted quarterly by reducing the number of account units
      • Annual fee additional In managed administration:
        • 0.60% is deducted quarterly by reducing the number of account units
          Regardless of which profile the saver has chosen

Mortality schedule guarantee

  • There is no guaranteed mortality schedule

Minimum Payment Amounts

  • Minimum payment amount on opening without setting up free scheduled payments:
    • 500 EUR at a minimum:
      • Free administration: 25 euros per support
      • In managed management across the horizon: 500 euros per profile
      • In managed administration: 500 euros per profile
  • Minimum payout on opening with free scheduled payments execution:
    • 50 euro at a minimum:
      • Free administration: 25 euros per support
      • In managed management across the horizon: €100 per profile
      • In managed administration: 500 euros per profile
  • Minimum transfer amount received:
    • 50 euro Minimum €25 per broker
  • Minimum Free Deposit Amount:
    • 500 EUR at a minimum:
      • Free administration: 25 euros per support
      • In managed management across the horizon: 500 euros per profile
      • In Managed Management: From 500€ per profile reduced to 250€ on an already invested profile
  • Minimum free scheduled payments:
    • Monthly Frequency:
      • In free management: 50€, minimum 25€ per broker
      • In managed management across the horizon: €100 per profile
      • In Managed Management: €200 per profile has already been invested
    • Quarterly periodical:
      • On free management: 150 €, minimum 25 € per broker
      • In managed management across the horizon: €100 per profile
      • In Managed Management: €200 per profile has already been invested
    • Semi-annual frequency: (No progress)
    • Annual Frequency: (No progress)
  • Possibility of annual linkage for free scheduled payments:

Euro Fund with 98% Capital Guarantee “New Generation Euro Fund”

  • Fund name:
    • The new generation of the PER Euro Fund
  • History of prices paid (net of fees and total social security contributions):
    • 2021: 1.65%
    • 2020: 1.65%
    • 2019: 1.65%
    • 2018: 2.20%
    • 2017: 2.30%
  • Possible investment restrictions:
    • Payment ceiling: 2,000,000 euros

The internal fund “Allocation Growth Long-Term (ALT)”

  • Operating principle:
    • Issuing a new broker every year for 8 years,
      Which means that each generation of the fund will have its own performance
      At maturity of 8 years
  • Guaranteed minimum amount at maturity
    • 80% of the first payment net of fees
  • commitment period:
    • December 31 from 8y public
  • Financial performance of the fund (after deducting fees and total social security contributions):
    • 2021: +4.88%
    • 2020: +1.96%
  • Possible investment restrictions:

Suggested financial management methods

  • Free management
    • Free investment:
      • In the partially secured euro fund (Euro PER New Generation Fund), provided that the repayment ceiling is adhered to,
      • Into the Internal Long-Term Allocation Growth (ALT) FundKnowing that every year from 1Verse January 2021 generation of launch fund with maturity of 8 years.
    • Access to a pool of 120 CPUs available in the free management
  • Possible activation of the following financial management options:
    • progressive investment
      • A minimum amount due stipulated in the contract of €5,000
      • A minimum monthly amount to be arbitrated is €150
      • Freedom to choose the units of account to invest in and the percentage distributionprovided that the amount invested is not less than 50 euros per broker
      • Arbitration from the “New Generation PER Euro Fund”
      • Achieving a monthly arbitration for the aforementioned amount during a whole number of months, according to the participant’s choice
      • There are no arbitration fees
    • Capital Gains Insurance
      • A minimum amount due stipulated in the contract of €5,000
      • Different setting is possible on each account unit
      • Choose a capital gain level of 5%
      • Arbitration against the Guarantee Fund
      • Monitoring carried out daily
      • Requirement of a minimum amount required for arbitration of 150 EUR
      • The auto-arbitration invoices thus executed up to 0.30% of the amounts transferred up to a maximum of €250
    • Determining relative capital losses (“ stop loss relatively”)
      • A minimum amount due stipulated in the contract of €5,000
      • Different setting is possible on each account unit
      • Choose a capital loss level of 5%
      • Arbitration against the Guarantee Fund
      • Monitoring carried out daily
      • Requirement of a minimum amount required for arbitration of 150 EUR
      • The auto-arbitration invoices thus executed up to 0.30% of the amounts transferred up to a maximum of €250
  • Horizon-driven management
    • Choice by the saver of one of the three management profiles shown:
      • Wise personal retirement horizon
      • Horizon Balanced Profile
      • Dynamic Profile Retirement Horizon
  • Paid Management
    • Member selection for one or more managed administration profiles provided:
      • Profile AAA – RA Piano
      • AAA Profile – RA Mezzo
      • Profile AAA – RA Forte
  • Possible accumulation methods of the proposed management methods
    • The possibility of a saver to combine several methods of management
    • Possibility for the provider to change the management mode at any time

A set of account units offered in the free administration

  • Classic units of account:
    • 120 units of account from 54 management companies
  • The property supports:
    • 8 OPCIs
    • 8 SCI / SC / SCP
    • 12 REITs
  • Trackers:
  • Live titles:
  • Private Equity Funds (not listed):
    • 1 FCPR (Adrian Multiple Strategies)

Investment restrictions on real estate support

  • Maximum investment per real estate broker:
    • SCPI :
      • investment Up to 50% per transaction
      • 3% fines If the investment is withdrawn during the first 3 years after the first investment
    • SCI / SC / SCP:
      • Is it possible to invest? Up to 100% per process
    • OPCI :
      • Is it possible to invest? Up to 100% per process
  • Maximum investment per contract related to real estate support:
    • Investment ceiling of one million euros on all SCPI projects per decade
    • Up to 100% of the allotment can be invested in real estate within the same contract, in A maximum of 2 million euros for all types of real estate support combined

arbitration

  • Free management
    • Minimum arbitration amount 150 EUR
    • Free online arbitration is conducted in the customer’s area
  • Horizon-driven management
  • Horizon-driven management
    • No additional invoices for arbitrations
  • The trade-offs between management methods
    • Billing up to 0.60% of the transferred amounts from 2y The arbitration procedure during the calendar year

Death Land Guarantee

  • A guarantee that can be accessed regardless of the chosen financial management method
  • Maximum amount of insurable loss:
  • Age limit for taking out the warranty:
  • Maximum warranty coverage age:
    • 75y Birthday of the believer
  • Annual warranty cost:
    • Billing from 0.17% to 4.08% depending on the capital at risk and the age of the insured

Other Possible Optional Warranties

pension expenses

  • 0.50% pension arrears fee
    A maximum of 1% of the monthly Social Security ceiling in arrears

Pension options offered

  • simple life stipend
  • Lifetime pension with guarantees
    • Reducing the maximum number of years of life expectancy by 5 years
  • joint pension life
    • between 50% and 150% in increments of 10%
  • Lifetime joint pension with pension guarantees
    • between 50% and 100% in increments of 10%
  • graduated life pension
    • Possibility to implement for 1 or 2 payment periods
    • The maximum possible term for each of the first two terms of 10 years each

To learn more about Good Value for Money analysis, click on the following link: https://www.goodvalueformoney.eu/produit/selection-sel0000467-la-medicale-perennite-selection-2022

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