General Fund
The General Fund by
Cardif Lux Vie
The General Fund is an investment vehicle managed by the Company with a capital guarantee gross of administration fees, for the lifetime of the investment, irrespective of market fluctuations. A profit participation may be distributed annually, depending on the performance of the Fund’s assets.
Since 2012, the General Fund has been managed in Luxembourg by Cardif Lux Vie, without a reinsurance treaty with a third-party company or with its parent company.
The Asset Management team at Cardif Lux Vie is composed of experienced managers. They have been operating in the markets for over 10 years and are backed by BNP Paribas Cardif’s support functions (Middle Office, Risk Management, IT and Reporting).
History of the General Fund’s gross returns*
*Details of past returns provide no guarantee or limitation of future returns.
Returns do not take account of the management costs for investment instruments. The rates of return do not take into account any potential profit-sharing bonus.
The General Fund is available for the products listed below:
Wealth Management
Products
- Liberty 2 Invest
- Cap Secure
Local Market
Products
- Optipension+
- Optilib
- Optisave+
- OptiLife²
France
Luxembourg
Belgique
Data as of
31/12/2024
2.68% General Fund Return
0.50% Average Guaranteed Return
2.18% Average Profit
0.77% Average Fee Rate