PRIVANEXT has developed an algorithm that studies each asset in its portfolios. The study aims to determine the trend characteristics of an asset.

Based on the specific characteristics of an asset, two calculated triggers are created for buying or selling periods.

Objectives:

• - Buy at the beginning of a growth phase
• - Sell at the end of a growth phase

PRIVANEXT has provided two complementary products to meet the needs for assistance and autonomy. PRIVANEXT portfolios have their own financial assets that meet PRIVANEXT's selection criteria.

Therefore, clients cannot freely choose their assets.

Only assets distributed by the world's largest asset managers are considered by PRIVANEXT.

PRIVANEXT only features securities account or PEA brokers on its site that have a guarantee (€100,000) in case of broker failure.

Clients are free to keep their historical broker. In this case, the client must address their broker independently.

PRIVANEXT provides performance reporting based on the sending of its buy and sell notifications at the closing price of the next business day.

PRIVANEXT is also working to provide reports and tutorials to assist its clients in their tax process.

To date, Privanext has no partnerships, ensuring that it is exclusively focused on the interests of its savers.

Privanext adopts a passive investment strategy, aiming to replicate the performance of a market index such as the MSCI World or the S&P 500. ETFs (index funds) are selected based on their 5-year performance, low costs, and by leveraging the public portfolios of major wealth managers available on platforms like Portfolio Visualizer.

Privanext is funded solely by its clients' subscriptions. It does not receive any kickbacks related to their investments, as clients retain full freedom to choose their own securities account provider.

A client can open multiple accounts, but each account must be associated with a distinct email address. Each account is designed to track a unique portfolio.

Privanext does not yet have a dedicated app. However, the platform is optimized for smartphone viewing in an adapted format.

Coming soon

ETFs are attractive investment instruments due to their diversification and low fees, but they come with inherent risks, such as market, liquidity, tracking errors, and currency fluctuations.

Market Risk: Since ETFs track the performance of a market index or sector, their value fluctuates based on economic conditions and the performance of the underlying assets.

Liquidity Risk: Although ETFs are generally liquid, some may have low trading volumes, especially if they are little-known or specialized. This can make it difficult to buy or sell shares at a satisfactory price.

Tracking Risk: Tracking risk refers to the gap between the performance of the ETF and the index it seeks to replicate. While ETFs are designed to track an index, errors can occur due to management, fees, or other factors.

Currency Risk:If the ETF invests in assets denominated in currencies other than the investor's currency (e.g., a dollar-denominated ETF for a Euro investor), fluctuations in exchange rates can impact returns.

ETF (Exchange-Traded Fund)

An ETF, or exchange-traded fund, is a financial instrument that pools a portfolio of assets (stocks, bonds, commodities, etc.) and aims to replicate the performance of a market index, such as the S&P 500 or the CAC 40. ETFs are listed on stock exchanges and can be bought or sold like stocks throughout the day.

ETC (Exchange-Traded Commodity)

An ETC, or exchange-traded commodity, is an instrument that allows investment in one or more commodities (gold, silver, oil, etc.). Unlike an ETF, an ETC does not hold a diversified basket of assets, but often focuses on a single commodity or a specific group.

PRIVANEXT has designed 6 portfolios with different objectives:

The 25K PEA portfolio is designed for investors wishing to invest an initial capital of €25,000. The ETFs included in this portfolio are all eligible for the Plan d'Épargne en Actions (PEA). This scheme is for French tax residents, allowing them to benefit from tax exemptions on gains and dividends for a period of 5 years.

The 100K PEA portfolio is designed for investors wishing to invest an initial capital of €100,000. The ETFs included in this portfolio are all eligible for the Plan d'Épargne en Actions (PEA). This scheme is for French tax residents, allowing them to benefit from tax exemptions on gains and dividends for a period of 5 years.

The Sharia portfolio is designed for investors wishing to invest an initial capital of $25,000 and is compliant with Sharia law ("Sharia-compliant"). It primarily targets Muslim investors who want to align their investments (ETFs and ETCs) with the principles of Islamic finance.

The SMARTBETA portfolio is designed for investors wishing to invest an initial capital of €100,000/$. The ETFs included in this portfolio are not eligible for the Plan d'Épargne en Actions. The SmartBeta portfolio uses strategies based on specific factors (such as valuation, volatility, company size, profitability, etc.) to select the stocks that make up the index.

The Defensive portfolio is designed for investors wishing to invest an initial capital of €50,000. The ETFs included in this portfolio are not eligible for the Plan d'Épargne en Actions. The Defensive portfolio uses defensive strategies to limit its volatility. The ETFs and ETCs mainly have bonds and gold as underlying assets.

The 50K CHF portfolio is designed for investors wishing to invest an initial capital of CHF 50,000. This portfolio allows investment in large global capitalizations, Swiss companies, real estate markets, and gold. It is primarily aimed at holders of savings in Swiss francs who wish to maintain exposure to this currency.

Currently, investment is possible in three currencies: the euro (€), the US dollar ($), and the Swiss franc (CHF).

The 25K PEA, 100K PEA, and SECURITAIRE portfolios are designed for investments in euros.

The Sharia portfolio allows investment in dollar-denominated products.

The 50K CHF portfolio is dedicated to investments in Swiss francs.

The SMARTBETA portfolio combines investments in both euros and dollars.

Privanext subscription for alerts amounts to 0.48% of the initial capital to be invested. The larger the portfolio grows, the lower these fees will proportionally become. Brokerage commissions are charged by the broker (the account provider) for executing buy or sell orders on financial markets. Currency exchange fees are charged when purchasing a security in a currency different from the one held in the account. These fees are charged by the broker. Custody or administration fees (depending on brokers) are charged to maintain your ETFs in the account. Many online platforms do not charge these fees.

It is possible to subscribe to multiple portfolios. Depending on the investment start date, it may be possible to open the same portfolio multiple times. Furthermore, it is entirely possible to subscribe to different portfolios, as each one serves distinct and complementary goals.

Privanext does not provide any tax documents as it does not have access to clients' securities accounts. It is the responsibility of the securities account provider to issue the necessary tax documents. However, Privanext has designed specific portfolios (25K PEA and 100K PEA) for French tax residents. It also provides summary sheets for certain European tax residents, with the aim of enriching these documents over time.

Privanext clients only pay for the platform subscription and/or portfolio alert services. They retain full freedom in choosing their banking institution and securities account provider, thus making their investments with the institution of their trust.

A link to request the cancellation of the Privanext.com subscription is available at the bottom of the website.

Investments alerted by Privanext can be bought or sold in a regular securities account, a tax-advantaged securities account (such as a PEA – Plan d'Épargne en Actions), or a life insurance policy through unit-linked accounts. Brokers (securities account providers) and insurance companies offer their clients a variety of investment supports. Privanext conducts an annual comparison of the best securities accounts, PEA (Plan d'Épargne en Actions), Retirement Savings Plans, and Life Insurance policies, based on several criteria: low transaction costs, availability of ETFs, quality of customer service, and platform usability.

On the day of subscribing to their portfolio alert service, Privanext clients will receive an email reminding them that they need to have the necessary initial capital available in their brokerage account to proceed with the investment. When a market opportunity arises, an alert will be sent on the night from Friday to Saturday. Each alert will include the name of the product to buy or sell, the number of shares to acquire, and the financial product's identification number (ISIN), to be entered on the brokerage platform to find the product. Privanext recommends that clients place an order to buy or sell in anticipation of the market closing on the following business day, typically Monday, unless it's a holiday.

1. Open a brokerage account

The Privanext subscriber must be a client of a platform for buying and selling financial securities (brokerage platform / bank / insurance company).

2. Deposit funds into your account

Amount of initial capital to invest

3. Access your account and the trading platform

Log into your brokerage account with your username and password.

4. Search for the security to buy

Use the search bar on the platform to find the security you want to buy. You can do this by using its name or ISIN (International Securities Identification Number).

5. Select the security

Click on the security to view its details.

6. Choose the order type

Market Order: You buy the security at the current market price, ensuring the purchase will be executed immediately, but at a price that may fluctuate slightly.

7. Determine the quantity

Enter the number of shares (or units) you wish to buy or sell (enter the number of units specified in the Privanext alert). Ensure you have sufficient funds in your account to cover the total purchase cost, including brokerage fees.

8. Verify the order

Once you have verified all the information, click "Place Order" or "Buy" / "Sell" to finalize your transaction. You will generally receive a confirmation of the order execution.

PRIVANEXT has developed an algorithm capable of analyzing each asset in its portfolios. This algorithm aims to identify the characteristic trends of each asset. Based on these characteristics, two triggers are calculated to determine the optimal periods for buying and selling. The goal is to invest at the beginning of a growth phase and sell the asset at the end of the same phase.

ETFs are selected based on six main criteria: 1. Underlying asset: The ETF must meet a specific need, whether it’s stocks, bonds, a particular sector, or even an ETC based on commodities like gold. 2. Availability: The asset must be widely accessible through a brokerage account, an Equity Savings Plan (PEA), or a life insurance policy. 3. Performance: The ETF should show strong performance, whether in the current year, the past three years, or the last five years. 4. Holding costs: The associated fees must be competitive and within the market norm, rarely exceeding 1% per year. 5. Liquidity: The ETF must have significant liquidity. Privanext favors ETFs with a capitalization of over 100 million euros. 6. Currency: The currency of the ETF can also be an important factor, offering the possibility to invest in a currency that suits the investor's preferences (€, $, CHF, etc.).

Taxation can play a significant role, as it varies from country to country. In some countries, such as France, it is possible to invest in financial products without being taxed on capital gains and dividends, as long as the funds are placed in a specific account, such as an Equity Savings Plan (PEA), and held there for several years. Other countries do not tax capital gains on securities but impose high taxes on dividends. In such cases, it is often preferable to opt for financial products where the dividends are capitalized within the product rather than distributed. This way, the gains, including accumulated dividends, can be recovered upon sale without incurring additional tax. We encourage you to inform us of any change in your tax residence. This will allow us to adjust your portfolio to optimize it based on the specifics of your new tax environment.

Protecting your personal data is a priority. Here is how we ensure their security and confidentiality:

Secure Cloud Infrastructure:

All your data is stored exclusively on Microsoft Azure cloud servers, a platform recognized for its high level of security and compliance with international standards (ISO 27001, GDPR, etc.).
No physical or local storage is performed in our premises.

Data Security:

Data is encrypted at every stage: during transfer (via HTTPS/TLS) and when stored in the cloud.
Microsoft Azure guarantees advanced protection against unauthorized access, DDoS attacks, and vulnerabilities.

Confidentiality and Control:

Data is accessible only to authorized persons, and its processing is strictly limited to the purposes for which you have given your consent.
Microsoft Azure offers access and permission management tools to enhance security.

Regulatory Compliance:

Our infrastructure complies with current regulations, including the GDPR (General Data Protection Regulation) and local requirements such as the Data Protection Act (DPA) in Switzerland.
You have the right to access your data, modify it, or request its deletion at any time by contacting us at support.

No Physical Retention:

No data is physically stored in our premises or on local equipment. Everything is hosted and secured in the Microsoft Azure cloud, ensuring optimal availability and security.