For all investors, professional or individual, international finance, shares, property, the products available in all their complexity, and taxation are all important but the manner in which each one of us can evaluate and choose the OPCVM (funds) or the account units which are offered by the banks or by the life insurance companies is of crucial importance.

 

The SICAV market, FCP and other products more generally referred to as OPCVM offer numerous opportunities of investment even for small sums. It is also an excellent instrument for spreading of risk, allowing the individual to ‘not put all his or her eggs in the same basket’. Finally, it’s a tool of diversification of risk since the OPCVM allows the targeted investment of geographical zones and of different sectors of activity.

 

Unfortunately, these advantages have a downside; an OPCVM is an assembly of securities chosen by the fund manager who only publishes an idea of the composition of the fund’s results three months after the event. To anticipate how the OPCVM will behave, it is important to analyse, as much as possible, the relationship between the way  the fund behaved compared with its rivals in the past and to obtain an ideas of the quality of the  company in which the fund manager is working.

 

The comparison with competitors is as complex as the number of OPCVM available is significant, (around 50000 OPCVM in Europe, 15000 of which are available in France, and as the strategies adopted for each fund generate performances which are not always transparent or very clear.

 

We supply the investor and  the advisor with:

  • The tools of classification which allow the identification of the OPCVM and the determination of those which suit them the best in accordance with their objectives and their profile.
  • The rankings which allow the identification of the funds which regularly out perform their rivals.
  • Rating which synthesises the over performance, but equally, the regularity of the over performance.
  • A range of advice empowering the investor to make the best choice.

 

 

 

If you have been persuaded to devote a little time to this subject, at FUNDCLASS we hope that we have supplied you with enough concrete elements  to encourage you to contact us…

 

Thank you  for reading,

 

 

 

 

 

 

                                                                                                    B Zutterling

  Managing Director