Alps-Maritimes (10)
01.08.2011
Advertorial: Why RFP is unique among independent financial advisers
RFP, Riviera Financial Planning sarl, is an Independent Financial Advisory (IFA) company established in 2003 in Sophia
Antipolis, near Antibes, fully registered in France and dedicated to private clients from Northern Europe who already have or are considering buying an estate in the south-east of France or Monaco.
Read more … Stand out from the crowd
01.07.2011
RFP has a solution to legislation that could adversely affect a property loan scheme
Among the many tax reforms currently under preparation in France, one of them, which is likely to be enforced as soon as September 2011, will have very important consequences:
Article 16 of the draft budget law for 2011, specifies that so far as the ‘solidarity tax on wealth’ is concerned (ISF - Impôt de Solidarité sur la Fortune), the authorities will not accept any more that a shareholder loan to an SCI (SPV designed to hold French real estate) is deducted from the value of the property for the computation of the ISF due by the shareholder.Read more … New rules for wealth tax
01.06.2011
What to do in the light of rising interest rates in Europe
In April, the European Central Bank (ECB) raised its rates by 0.25 per cent. Is this move the beginning of a new monetary policy?
Historically, short-term rates move according to long-term trends. In March 2010, the 3-month Euribor, the reference index for the variable rate loans in euros, hit a record low at 0.58 percent. Since, rates are going up again (the index is now at 1.37 percent).
Currently, the European Central Bank is concerned by rising inflation. Its monetary policy has been very loose over the last two years and if commodity prices remain high or rise, it should continue to raise rates.
What could we do if rates continue to go up?Read more … Short options for the long term
01.05.2011
Local FIA can help you exploit Luxembourg’s policy benefits
Luxembourg is one of the most active financial centres in Europe. With nearly 150 banks, 40,000 people working in the finance sector, net assets of 2.2 trillion euros under management, the country is now a leader in asset management.
The state’s central location in Europe between France, Belgium and Germany, its legal and fiscal specificities, its membership of the European Union and being in the Eurozone make it very attractive for onshore private structures.Read more … Aim high to optimise your assets
01.04.2011
What are the consequences for the Japanese financial market
Japan experienced the biggest earthquake in its history. The industrial region of Sendai which represents about eight per cent of Japanese GDP, is the worst affected. Many factories will remain closed for weeks. The potential cloud from the nuclear accident could be a threat to the big cities on the south coast and could paralyse the country. In the short term, food and energy could become scarce and the whole country may suffer frequent power cuts.Read more … Tsunami & finance
01.03.2011
Advertorial - This month: The pros and cons of an SCPI when investing in property
An SCPI (société civile de placement immobilier) is a French entity holding real estate, similar to an SCI but open to the public. The difference with an SCI is similar to the one between a listed and privately held company. An SCPI can be compared to a listed company, as in fact the subscriber becomes a co-owner of a real estate portfolio that can consist of offices, warehouses, shops or even houses or flats. Read more … Good for the long term
01.02.2011
Advertorial - This month: Combining securities has advantages but you need advice
A structured product is usually a combination of two securities, which is introduced to the investor as a single product. A typical one is a combination between a zerocoupon bond and call options on a group of shares. For example, combining a zero coupon bond for 85 per cent of the capital over five years and 15 per cent on an option provides a guaranty on the invested principal after five years.Read more … Structured products
01.01.2011
Advertorial - This month: An expert looks ahead cautiously at the prospects for 2011 on the stock markets
Yves Derrien, Director of Riviera Financial Planning, answers three of the most frequently asked questions he receives from clients arising from his articles in The Riviera Times on investments for the future. As another year begins, should we be investing in the stock markets just yet?Read more … What about 2011?
01.12.2010
Advertorial - This month: RFP looks back at useful topics covered and still available online
Since RFP started their articles in The Riviera Times, we have written about a variety of subjects, aimed at explaining why RFP can be considered to be very different from other independent financial advisors (IFAs) and all other types of advisors, lawyers and bankers.Read more … Standing out from the crowd
01.11.2010
Advertorial - This month: There are many advantages to this type of investment, particularly in France
When someone wishes to invest on the financial markets, he usually does it through his bank. In France, under specific conditions, this investment can also be done through a French insurance policy with an insurance company. These policies can be invested in a very broad range of mutual funds (stocks, bonds, commodities or real estate).Read more … Why life insurance?
