Interview with Alice Rouyer, Head of Sales at AG2R LA MONDIALE Wealth Management — Paris Wealth Day 2025
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Paris Wealth Day 2025 highlighted the importance of a stable legal and financial framework in the face of the challenges of cross-border wealth management and the integration of alternative asset classes. Alice Rouyer, from the Sales Department at AG2R LA MONDIALE Épargne patrimoniale, explains the uniqueness of the Luxembourg model, which is establishing itself as a pillar of resilience and flexibility in Europe.
A stable legal framework and a robust financial ecosystem
The Luxembourg framework is recognized for its political and economic stability, at the heart of a mature financial industry conducive to wealth management, capable of meeting clients’ specific needs.
The Unparalleled Protection of the Security Triangle
This structure ensures enhanced protection for investors, particularly through the Security Triangle and the Super Privilege mechanism. The latter ensures that clients are senior creditors, guaranteeing them priority repayment in the event of the insurer’s default. This is a fundamental guarantee of security for the invested capital.
Flexibility and Private Equity: The Advantage of Mobility
Cross-border flexibility is another major pillar. Luxembourg regulations ensure the continuity of life insurance policies for clients who are relocating or living abroad. In terms of assets, the regulations allow for the inclusion of an extremely diverse range of investments, managed within Specialized Insurance Funds (FAS). This is the case with Private Equity, a complex asset class that is eligible and accessible to sophisticated clients.
AG2R LA MONDIALE Europartner offers access to these funds, leveraging comprehensive expertise to list and integrate these unlisted assets through an investment vehicle. The focus is on rigorous management, while emphasizing the need for French residents to comply with the 50% limit on unlisted assets in the insurance contract. Luxembourg thus offers an environment where security, adaptability to clients’ complex needs, and access to high-performing asset classes combine to create a sustainable wealth management strategy.
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