Bespoke investment solutions for insurers
With knowledge gained from over 25 years of experience, Amundi has the expertise to develop investment solutions tailored to insurers’ specific accounting, financial and regulatory requirements. We’re proud to work with over 100 external insurance clients located in 14 countries1.
New accounting standard
More complex implementation and more volatile results. Find out how the application of IFRS 9 starting in 2018 will complicate the processing of some financial instruments and may increase the volatility of profit and loss.
A Constant Proportion Portfolio Insurance combining Eurozone equity strategy and SCR optimization, with a formal protection.
Given the complex environment they are facing –strengthened regulatory environment, decreasing interest rate environment, increasing consideration given to economic risk, Insurers are looking for new opportunities. Innovative ones that may answer a call: how will they face their day to day prerogatives to their clients (attractive return) while complying with both their financial and regulatory issues. Indeed, they need to search for yield but at lower costs.
Regarding the appealing return and risk premium of Eurozone equities, Amundi has designed a new solution, genuine in the market, which combines cautious equity investment process - seeking risk/return optimization - and bank guarantee of 80% of capital protection on a yearly rolling basis.
This in-house solution offers:
- Dividends and equity return benefits
- Dynamic risk management strategy mitigating markets drawdown effects and SCR equity
- Amundi’s formal guarantee to the protection (Amundi is A+ rated by Fitch Ratings2)
By combining financial market and regulatory efficiency, Amundi AM’s equity solution is an effective way to optimize insurers’ equity allocation and capital charge:
- Increase the expected return of the asset allocation with the same level of Market SCR
- Reduce the Market SCR with the same expected return
Our solution does not offer any performance or full capital guarantee.
An integrated platform to support your business
More than 30% of our total assets are managed for insurance companies. We work closely with organisations to put in place solutions that are compliant with regulatory and economic changes. Drawing on 25 years of experience and business insight we’ve developed an integrated platform to support the specific requirements of our insurance companies1.
The uncertain market conditions and an increasingly difficult business environment have raised the bar for asset managers. Insurers search for investment performance whilst observing complex accounting and regulatory requirements. Amundi is committed to providing you with innovative solutions that meet these expectations.
- An international reputation as experts in fixed income investment
- Satellite management solutions using equities, alternative investments, absolute return, real estate and credit
- A centralised and integrated investment platform that includes investment research, dedicated ALM/LDI, look-through reporting and consolidation of exposures and risks
- An in-house tool to calculate Market SCR
ALM: Asset and Liability Management
LDI: Liabilities Driven Investments
SCR : Solvency Capital Requirement
Our insurance solutions imply a risk of capital loss and do not offer any guarantee of performance or capital security.
An integrated and centralized investment platform
Information given for illustrative purposes only, may be changed without prior notice.
Amundi at your service
Tailored service and customised product development
01 | Our research department at your service
Analysing new sectors, reviewing regulatory changes, assessing risk management: our in-house research teams provide constant analysis and feedback about issues of interest and importance to the insurance industry. You can also commission specific research on request.
Take a look at our latest publications on Solvency II at our dedicated research website.
02 | Customised investment solutions
Our investment solutions, including ALM/LDI, are designed around the accounting and liability constraints of insurance companies. They aim to meet risk-adjusted return objectives and are built using a core satellite approach within a strong risk-monitoring framework.
ALM: Asset and Liability Management
LDI: Liability Driven Investment
03 | Tailored risk management and reporting tools
In the heart of Europe, we are particularly well-versed in the requirements and implications of Solvency II. With an independent risk management department, risk monitoring, performance measurement, front office reports, consolidation of exposures and risks: we provide tailor-made services to help our insurance clients comply with regulatory requirements.
Insurance, part of our DNA
Insurance clients in 14 countries1
of our total assets are managed for insurance companies1
of experience serving our Insurers clients1
Our related investment strategies
Operational solutions serving your needs in treasury and short-term investment within the frame of mastered risks
A wide range of funds covering all main geographical areas, themes and capitalisation levels
A wide range of strategies giving you access to all types of issuers
Our response to the challenges of Solvency II
Discover Solvency II issues and associated Amundi's services
1 - Source: Amundi, as of June 30, 2020.
2. Source: Amundi & Fitch Ratings, as of June 2016.
This information is exclusively intended for “Professional” investors within the meaning of the MiFID Directive 2004/39/EC of 21 April 2004, and articles 314-4 and following of the General Regulations of the AMF. It is not intended for the general public or for non-professional individual investors within the meaning of all local regulations, or for “US Persons”, as defined in the Securities and Exchange Commission’s “Regulation S” under the 1933 U.S. Securities Act.
This non-contractual information does not under any circumstances constitute an offer to buy, a solicitation to sell, or advice to invest in financial instruments of Amundi or one of its affiliates (“Amundi”).
Investing involves risks. The performance of the strategies is not guaranteed. In addition, past performance is not in any way a guarantee or a reliable indicator of current or future performance. Investors may lose all or part of the capital originally invested.
Potential investors are encouraged to consult a professional adviser in order to determine whether such an investment is suitable for their profile and must not base their investment decisions solely on the information contained in this document.
Amundi assumes no liability, either direct or indirect, resulting from the use of any of the information contained in this document, and shall not under any circumstances be held liable for any decisions taken on the basis of this information. This information may not be copied, reproduced, modified, translated or distributed, without the prior written approval of Amundi, for any third person or entity in any country or jurisdiction which would subject Amundi or any of its products to any registration requirements within these jurisdictions or where this might be considered unlawful.
This information is provided to you based on sources that Amundi considers to be reliable, and it may be modified without prior warning.