Equities and bonds portfolio
Equilibre
A turnkey equities and bonds portfolio combining performance and income.
The balance of equities and bonds
Equities and bonds Equilibre
The Equilibre portfolio combines equities and bonds to benefit from the complementarity of both asset classes. Its goal is to maximize your exposure to all French and international financial markets, without compromise. In practice, we invest in selective equity and bond funds, adapting our allocation to maintain a balanced weighting between risk and return. A medium-term investment, our portfolio combines the performance and risk of equities with the more defensive character of bonds, along with its management by Investisseur Privé AM. You delegate, we manage for you!
We manage the Equilibre equities and bonds portfolio using our own quantitative analysis tools. These integrate a database of around twenty indicators and our proprietary analysis algorithm. Created by Investisseur Privé AM, they allow us to evaluate the performance and solidity of eligible equity and bond funds. Thanks to them, our portfolio maximizes a balanced allocation and regular rebalancing.
Nathanaël Abitbol
Wealth advisor
An attractive equities and bonds portfolio, under managed mandate
With Investisseur Privé, you benefit from transparent and reduced fees, without compromising on the value of our management.
- 0% Entry fees
- 0% Deposit fees
- 0% Arbitration fees
- 0% Exit fees
- 0.4% Managed portfolio fees
Equilibre equities and bonds portfolio in figures
Equilibre combines medium-term investment, returns and controlled risk.
Investment horizon
Recommended investment duration
5 years
Expected annual return
4.45%
Risk scale
1
2
3
4
5
6
7
3 key indicators
We analyze each fund in our portfolio and define its investment horizon, expected return and associated risk. You can thus judge whether it meets your requirements.
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Equilibre equities and bonds portfolio allocation
Invested in equities and bonds, the Equilibre portfolio benefits from their appreciation and income.
60%
Equities
40%
Bonds
EQUITIES AND BONDS
Equilibre
Eligible for 5 tax wrappers: Life insurance, Luxembourg life insurance, Securities account, Capitalization contract, PER.
*Past performances do not prejudge future performances.
Equities and bonds with the right tax wrapper
The Equilibre portfolio is eligible for 5 tax wrappers. You select the tax wrapper, and our experts manage the portfolio.
Life insurance
Grow your investments while benefiting from reduced taxation and optimized wealth transfer.
Luxembourg life insurance
Develop your wealth through Luxembourg's secure regulatory framework.
Securities account
Diversify your investments while enjoying the flexibility of a securities account.
Capitalization contract
Boost your capital through a wrapper combining optimized taxation and estate transfer.
PER
Reduce your taxes today while building capital or an annuity for retirement.
Life insurance
Grow your investments while benefiting from reduced taxation and optimized wealth transfer.
Luxembourg life insurance
Develop your wealth through Luxembourg's secure regulatory framework.
Securities account
Diversify your investments while enjoying the flexibility of a securities account.
Capitalization contract
Boost your capital through a wrapper combining optimized taxation and estate transfer.
PER
Reduce your taxes today while building capital or an annuity for retirement.
Investing in equities and bonds
with Equilibre
With Equilibre, benefit from equity performance and bond resilience without managing a portfolio!
01
Initial deposit
€4,000
02
Ad hoc contributions
€500
03
Scheduled contributions
€50 per month
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Equities and bonds under managed mandate
You combine:
- Equity performance.
- Bond resilience.
- Portfolio balance to limit risk.
- Equilibre's eligibility for 5 tax wrappers.
- Managed portfolios by our experts and ongoing monitoring.
Receive the
opportunity flash
Markets, investments and taxation are constantly evolving. Don't miss any investment opportunity with "Le flash opportunite"!
Other equities and bonds portfolios than Equilibre
We manage other equity and bond portfolios, based on your tax wrappers, risk profile and return objectives.
Audace
A portfolio composed of 100% equity funds to benefit from stock market performance, combined with sector and geographic diversification.
Sortino
A portfolio integrating the best equity funds and the most consistent over time, with selection driven by the highest Sortino ratio.
Thématique
A diversified equity portfolio invested in future sectors and promising themes, to benefit from major economic and societal trends.
Audace
A portfolio composed of 100% equity funds to benefit from stock market performance, combined with sector and geographic diversification.
Sortino
A portfolio integrating the best equity funds and the most consistent over time, with selection driven by the highest Sortino ratio.
Thématique
A diversified equity portfolio invested in future sectors and promising themes, to benefit from major economic and societal trends.
Understanding equities and bonds
Educational content to help you learn before investing in equities and bonds: articles, white papers, newsletters, videos and webinars.
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Frequently asked questions about equities and bonds
Want to invest in equities and bonds or already hold them? Here are the answers to the questions you're asking.
The differences between equities and bonds, which are both listed assets, are as follows: Equities: Nature: share of a company's capital. Remuneration: dividends which are not guaranteed. Objective: capital appreciation or growth and volatility. Risk level: high. Priority in case of default: last. Investment horizon: long term. Bonds: A bond is debt from an issuer. Remuneration: coupons or interest. Objective: distributed income and stability. Risk level: more limited. Priority in case of default: creditors first. Investment horizon: short to medium term. In summary for an investor: Equities combine high risk, high volatility but significant potential gains. Bonds combine lower risk, greater stability but generally lower returns.
An equities and bonds portfolio combines: Equities, for their performance: capital appreciation, dividend distribution and bonus shares, the latter two not being guaranteed. Bonds, for their stability and the income they generate. It is also a portfolio that tends to balance the risk-return trade-off, the two underlying assets being complementary. The Equilibre portfolio, managed by Investisseur Privé, addresses this risk allocation strategy point by point. It is invested in equity and bond funds optimizing performance and risk monitoring indicators, and is continuously rebalanced. Speak with one of our advisors.
Because combining equities and bonds allows you to diversify a portfolio and benefit from two assets that behave differently. When equity markets fall, bonds can hold firm while guaranteeing income via distributed coupons. We often speak of the offensive character of equities and the defensive character of bonds. Ultimately, by combining these two assets, we achieve a certain balance between equity performance on one side, and bond security and stability on the other. The two complement each other within the Equilibre portfolio managed by Investisseur Privé AM.
The allocation between equities and bonds depends on several parameters: Investment horizon: short, medium or long term. Risk tolerance. Growth objectives (through equities: capital appreciation) and income objectives (through bonds: coupons). Within the Investisseur Privé Equilibre portfolio, the allocation between equities and bonds is: Equities: 60%. Bonds: 40%. It includes an equity overweight to benefit from the bullish trend of financial markets and a safety cushion through the resilience of bonds.
There is no single right answer. The choice of wrapper must match your investment objectives, your financial and tax situation, your projects, etc. The Equilibre portfolio composed of equities and bonds and managed by Investisseur Privé is eligible for 5 tax wrappers: Life insurance: taxation, inheritance and returns. Luxembourg life insurance: security, taxation and performance. Securities account (CTO): freedom and investment diversity. Capitalization contract: usufruct splitting and donation. Retirement savings plan (PER): tax deduction and long-term growth. Book an appointment with one of our advisors!
No, bonds are not a risk-free asset. While they are valued for their defensive character or resilience during market downturns, they carry: Interest rate risk: if interest rates rise, bond values fall mechanically. Credit risk: issuer default and inability to repay capital. Market risk: prices can fluctuate before maturity. Liquidity risk: difficulty selling them quickly without a discount. Inflation risk: inflation can reduce the purchasing power of coupons and often leads to rate increases that lower bond values. Ultimately, bonds offer more stability than equities but are not without risk, particularly during periods of rising rates and economic tension.
Managed portfolio management delegates the selection of equities and bonds, as well as rebalancing between the two assets (allocation revision based on market trends, interest rates, etc.). You don't have to do anything, while benefiting from potential capital appreciation of the equities and bonds portfolio, potential dividend distributions (equities) and coupons (bond interest), aligned with your objectives and risk profile. Discover our management team!