Investment vehicles

  • Investment vehicles are the "bricks" that are used to build your investment portfolio. They must be selected in accordance with your financial goals, investment horizon, financial situation, knowledge and experience of financial markets and appetite for risk.
  • Investment vehicles are purchased within the framework of an investment product, which may be managed using a 'self-managed', 'profiled', 'advisory' or 'discretionary' management service.

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Our investment vehicles include:

Equities
Help companies grow while sharing in their profits Also known as "stock" or "shares", equities represent a fraction of a company's share capital and entitle their holder to various rights, including the right to receive a portion of the company's earnings (i.e. dividends), to attend shareholder meetings and to vote at these meetings. An equity may or may not be listed on an exchange. The risk in investing in an equity is mainly that its price will drop. There are two possible reasons for this: - a general decline in equity markets (so-called 'systemic risk') - a specific decline in the company's share price, due to a downturn in its business activity. The maximum risk to which equity investors are exposed is the total loss of their investment if an equity issuer goes bankrupt. Furthermore, investment in a mid-sized company, and in a small company in particular, exposes the investor to liquidity risk. Equities are the components of the major stock-market indices that are used to measure the health of financial markets and economies across the globe, such as the CAC 40 index, the Eurostoxx 50, the FTS100 and the S&P500.
Collective investment schemes (UCITS, AIF, FCP and SICAV)
View the list of Mutual Funds that Barclays France SA sells in France.

Diversify your investments to stabilise your returns.

Collective investment schemes (OEICs) are more commonly known as "mutual funds" or "investment funds". They enable you to own a portion of a portfolio of equities, bonds or other securities that is managed by a regulated asset management company.
OEICs offer a broad range of investment possibilities, in terms of both geographic region and sector, depending on their investment policy and objectives. Furthermore, since they invest in multiple investment vehicles, they naturally diversify your investment. The volatility, liquidity and general risk associated with this type of financial instrument depend on the type of assets invested in. Investors are advised to read very carefully the Key Investor Information Document ("KIID") of any fund they are considering investing in.

There are two types of collective investment schemes:
  • UCITS (undertakings for collective investment in transferable securities), which are sold throughout the European Union
  • Alternative investment funds (AIF), which are other collective investment undertakings sold in France, and consist mainly of FCP funds (also known as common funds) and SICAV funds.
From a legal perspective, OEICs consists of two distinct types of funds:
  • SICAV funds, which are open-ended and may therefore issue shares on an ongoing basis in response to investor subscriptions. Investors who select this type of investment fund become shareholders and may express their opinion on the fund's management at general shareholder meetings and even be elected to the fund's board of directors.
  • FCP funds, which are "co-ownerships" of securities that issues units as opposed to shares. An FCP fund unit-holder has none of the rights normally granted to a SICAV or other shareholder. An FCP fund is managed by a "management company", which acts on behalf of unit-holders and in their sole interest.
SCPI real estate funds
Invest in real estate without bothering about conveyancing or tenants.

SCPI funds are collective real estate investment vehicles that are used to purchase leased residential and office property assets that are managed by a regulated asset management company. An SCPI portfolio enables you to invest in multiple real estate assets, thus reducing the risk of investing directly in a single property, such as lessee default and vacancy.

Some SCPI offer the same tax advantages that are available to people who invest directly in property under government schemes to promote housing construction (such as the Pinel and Duflot Acts).

SCPI shares are long-term investments that should be purchased to provide diversification or to obtain a tax advantage. Since the investment is made exclusively in real estate it is considered to be relatively illiquid.
Documents d'informations clés des SCPI distribuées par Barclays France DIC Lafitte Pierre.pdf
DIC Primopierre.pdf
Structured products
EMTN and investment certificates sold by Barclays France SA in France

Employ the same investment strategies as professional traders

These are complex financial instruments that offer specific risk-reward combinations depending on various factors, such as the minimum investment holding time, the degree of capital protection and the nature of the underlying asset class (money market instruments, bonds or equities). They give investors an idea of the return they may expect if the market behaves a particular way.

These products are almost always negotiated directly between two parties and their specific characteristics, in terms of risk, capital protection, etc., are specified in a contractual document.

Investment vehicles and their characteristics

  Equities OEICS Structured products SCPI fund FCPI / FIP fund
Investment product* SA
PEA(1)
SA
PEA(1)
SA SA SA
Available under discretionary management - - -
Available under advisory management - - -
Potential yield High Depending on fund composition High High High
Risk level High Depending on fund composition High High High
Level of financial expertise required High High High High High
Investment sector Financial markets Financial markets Financial markets Propert SME / Unlisted
Investment horizon Long-term Long-term Specified by the product Long-term, blocked if tax advantage (2) Long-term, blocked if tax advantage (2)
Potential Tax Advantage - - -
  • *Securities account: SA /
     
  • (1) The fund must comply with the investment product's restrictions.
     
  • (2) Tax advantages are subject to a minimum holding time that is specified by law.
     
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