This summer, spend time in the markets, but away from the stock indexes

This summer, spend time in the markets, but away from the stock indexes
You may not have missed it, the CAC 40 is approaching its historic peak (September 4, 2000 at 6,944.77 points in session). It is located in mid-June 2021 at more than 6,600 points. The rebound since the Covid 19 crisis has been driven by massive injections of liquidity by governments into the global economy but also thanks to the vaccination campaigns which are accelerating.

How to protect your savings to go on vacation with peace of mind?
To support you in your projects and in the valuation of your savings, La Banque Postale suggests that you optimize the management of your PEA:
Sécuralys Bourse: securing unrealized capital gains:
"If I had known", "" I should have done an arbitrage "..., how many of you have ever thought about this when you saw your capital appreciation melt away as a result of a fall in the price of a fund. The performance of UCIs (Collective investment fund) can evolve positively or negatively. Thanks to Sécuralys Bourse, the securing of unrealized capital gains is done automatically according to the criteria you have chosen.
Simple operation and at your hand:
You determine the UCI (s) eligible for the service for which you wish to benefit from the securing of unrealized capital gains in your PEA
You determine the percentage of capital gains (between 5% and 40%) that will trigger the security
 Twice a month (the 2nd and 11th working day of the month), Sécuralys Bourse compares the prices of the selected UCIs for you. If the percentage of capital gains is reached, the realized gain is automatically transferred to your Cash Account. (1)
(1) 2 criteria are taken into account when determining: the fixed threshold must be exceeded and the gain must be greater than € 10, without these two conditions, the securing of unrealized capital gains cannot apply.

 
Good to know: operating rules:

- Given the valuation of UCIs at an unknown price and the settlement / delivery times, a trading day elapses between the date of calculation of gains and the date of execution of the order.

- The amount of the "security" is calculated on day D on the known net asset value of the day, transmitted by the valuer, while the upward order is executed on the net asset value of D + 1. As these two net asset values ​​are generally different, the amount of the “security” will be different from the gains actually recorded.

A concrete example (The figures used in this example are only indicative and informative, the aim being to describe the mechanism of the product. They do not in any way prejudge future results.)

You are investing € 100 in a UCI with an estimated net asset value of 100. You have set a capital gains security threshold at 15%
 
Case n ° 1: Finding on the second working day: The threshold has not been reached
The net asset value is higher than its initial level but not yet the set threshold (15%), so there is no security of capital gains on this date.
Case n ° 2: Observation on the 11th working day: Securalys Bourse operation
In J: The value is 115 €, the threshold of 15% has been reached. An amount of € 15 is therefore “secure” on the PEA cash account.

On D + 1: The value of the OPC is € 117. The € 15 redemption order is executed (2), the remaining capital is € 102. The secured amount (€ 15) is lower than the real capital gains (€ 17)
(2) No charge other than the contribution linked to the Securalys service
 Good to know
The annual subscription is € 22 (3), regardless of the number of UCIs selected.
(3) (Tariff in force on 01/01/2021)
You can find more information on the product page by clicking on this link
More than 25 UCIs are eligible for Securalys Bourse.
Find the UCIs eligible for the Securalys Bourse service in the UCI Selector on the Banque Postale website.

This service is also available on most La Banque Postale life insurance contracts.

And for those who wish to build up a stock market portfolio at their own pace and without thinking about it, discover or rediscover: Régulys Bourse, a free scheduled subscription service that allows you to regularly invest the amount of your choice in La Banque Postale UCIs .

Do you want to subscribe to the Securalys Bourse service? Make an appointment with your advisor.