Financial Statement

 Macro- and micro-economics analysis

What is the difference between macro and micro-economics?

The purpose of the macro-economy is to analyze the behavior of the economy in general; that is, decisions taken at the national, international or industry-wide level (automotive, tourism, health, etc.).

Conversely, microeconomics analyzes the individual decisions and behaviors of consumers and businesses. Its objective is to explain rationally the choices of economic agents (level of consumption ...).

What is the Wealth A7 method?

In order to build a strong and efficient asset allocation, our Wealth A7 experts analyze the current macro-economic context. They are based on many economic indicators such as a country's GDP, inflation level, unemployment rate, key interest rates, housing construction and many other factors to detect the major economic trends.
This in-depth analysis of the macro-economy helps to guide us when selecting the funds offered to our clients.

A fund allocates investors' money to various products such as stocks or corporate bonds, government bonds, real estate ... So you do not invest directly in specific companies but in funds that play the same role. intermediary role.

We choose these meticulously taking into account their composition, in particular according to:

• asset classes on which it is advisable or not to invest at present (stocks, bonds, real estate, ETFs, structured products, commodities, gold ...),
• geographical areas to favor (Europe, USA, China, emerging countries ...).

Wealth A7 works in open architecture and selects the best funds among those available on the market to form the various life insurance contracts, capitalization contract, retirement savings plan... of its customers.

We also use fundamental financial analysis based on stock-picking management in the context of financial products such as PEA (stock savings plans) because this type of instrument is subject to restrictions on assets types (equities only) and geographical areas (France and euro area). We then use a financial analysis of the company and performance indicators (financial ratios) to detect the most promising companies and the champions of tomorrow.

What is assets allocation?

Asset allocation consists in determining a distribution strategy for the different financial assets (real estate, stocks, bonds, etc.) present within a given portfolio.
Behind the notion of asset allocation lies a real reflection going beyond simple macro and micro-economic analysis. In fact, at this stage, the search for the perfect balance between the performance and the risk level of the financial investment depends on the profile and objectives of each client.

What is the Wealth A7 method?

Prior to building the asset allocation of your portfolio, we determine your investor profile among 5 possibilities, based on a set of parameters:

• Your sensitivity to risks
• Your ability to suffer losses
• Your investment horizon (the length of time you want to invest your money).

Once your risk profile is determined, we focus on building a global allocation of financial assets, in total adequacy with it. For this, we rely on the risk indicator set up by the French Financial Markets Authority, measuring the level of risk of an investment on a scale of 1 to 7 depending mainly on its volatility (7 being the most risky).

The key to a successful asset allocation is diversification. We are still looking for diversification in terms of asset classes (equities, real estate, commodities, etc.), asset management companies, geographical zones, business sectors and investment themes, in order to protect the portfolio against the risks of a reversal of the financial markets.

Taking into account behavioral finance is also an important issue in a context where a simple tweet from the President of the United States can have resounding consequences on the financial markets.

Because your financial investment must also be in line with your values, we will choose the themes that appeal to you the most and offer SRI funds, socially responsible investments (organic farming, climate, well-being at work, security, artificial intelligence, water ...).

With more than 15 years of expertise in asset allocation, we are able to maximize the profitability of a portfolio while minimizing the risk incurred through the implementation of security systems, personalized and adapted to your profile

What's a financial statement ?

This document includes an audit of your existing financial investments: are they in line with your investor profile? Your goals and projects?

Sometimes a simple adjustment of the allocation is sufficient, in other cases a complete restructuring of your financial assets is necessary (inadequacy to your tolerance for risks, mismanagement ...).

The financial balance sheet consists of an impact study in which we compare:

• The analysis of your savings before implementation of Wealth A7 recommendations
• The analysis of your savings after implementation of Wealth A7 recommendations

The focus is on customizing the proposed solutions and on the answer to your objectives (having a capital at a specific date for example).

The last step of the financial statement is to determine the support (s) on which this allocation of assets will be based: it is the legal envelope that will host your investment. This can be in the form of a life insurance contract under French or Luxembourg law, a capitalization contract, a retirement or shares savings plan, a securities account ...

Our commitment is that the selected support is 100% in accordance with your objectives (preparing for retirement, reducing your tax burden, acquiring your principal home place...).

A follow-up in time:

Since the macro-economic and geo-political context is brought to evolve more and more regularly and that your objectives as well as your investor profile are not fixed in time, the private management service includes a component of accompaniment and follow-up on the long term of your financial investments.

With this in mind, we carry out each year an adequacy report to highlight the adequacy or inadequacy of the allocation of assets in your portfolio to your investor profile (always depending on your sensitivity to risks, your ability to sustain losses and your investment horizon).

On this occasion, it may then be necessary to make arbitrations (modification of the asset allocation). This regular monitoring ensures a tailor-made management of your financial assets, in a completely personalized and updated way. 

 Benefit from a tailor-made financial balance sheet and start optimizing your savings today. 

From 30 000€, we offer you an access to our Private Management service : you benefit from an real-time overview of all your accounts (current account, bank savings, financial investments), your budget and assets.