Zurich, Switzerland, Europe & Middle East
Zurich, Switzerland, Europe & Middle East
Zurich, Switzerland, Europe & Middle East
D’un côté, la SPV conclut un contrat avec une compagnie d’assurance ou de réassurance afin de percevoir une prime pour assumer un risque donné. De l’autre, la SVP émet des titres qui sont achetés par des investisseurs, qui à leur tour perçoivent de la SVP la prime du risque d’assurance. Les investisseurs perçoivent également un rendement du marché monétaire étant donné que la transaction est entièrement garantie et que cette garantie est investie dans des actifs à court et très court termes.
En ajoutant des ILS à leur portefeuille, les investisseurs peuvent bénéficier d’une prime de risque diversifiée susceptible de produire des rendements intéressants non corrélés au cycle économique.
Un ILS est un titre dont le capital est à risque. Si un sinistre en assurance important survient, la SPV émettrice risque alors de ne pas pouvoir rembourser le capital initial afin de remplir à la place l’obligation de l’assureur ou du réassureur à l’égard de l’assuré.
Les ILS couvrent essentiellement les risques non-vie et, dans une moindre mesure, les risques vie. Dans le domaine de l’assurance non-vie, les principaux risques sont les catastrophes naturelles telles que les ouragans, les tremblements de terre ou les tempêtes hivernales. Certains risques liés au secteur maritime, à l’aviation, à la couverture hypothécaire et au terrorisme sont également transférés aux marchés de capitaux. La valeur intrinsèque, la mortalité extrême et les risques liés à la santé sont couverts dans la branche vie du marché des ILS.
Avantages de l’investissement dans les ILS :
Afin d’en favoriser la lisibilité, le texte renonce à l'utilisation simultanée des formes linguistiques masculin, féminin et divers (m/f/d). Tous les termes personnels s'appliquent également à tous les sexes.
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AVIS DE SORTIE
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Company information and regulatorY STATUS
This Website is owned and operated by Schroder Investment Management (Switzerland) AG ("SIMSAG"). The registered office of SIMSAG is at Central 2, CH-8001 Zurich, Switzerland.
SIMSAG is authorised as fund management company according to the Federal Act on Financial Institutions of 15 June 2018 (“FinIA”) by the Swiss Financial Market Supervisory Authority FINMA, Laupenstrasse 27, CH-3003 Bern, Switzerland, (“FINMA”) and regulated by the latter.
SIMSAG is an ultimately wholly owned subsidiary of Schroders plc, London. Schroders plc is listed on the London Stock Exchange and is a constituent of the FTSE 100 Index.
SIMSAG administers various contractual funds under Swiss law, acts as Swiss representative and distributor for many Schroder Funds under foreign law, provides asset management services for Swiss and foreign collective investment schemes and investment foundations as well as individual portfolio management and advisory services to other professional and institutional clients.
SIMSAG in particular is the fund management company of the Swiss domiciled Schroder Funds. The relevant fund documents (e.g. prospectus with integrated fund contract (or as the case may be, the fund contract with annex), the key information documents as well as the annual and semi-annual reports) of the Swiss domiciled Schroder Funds are available free of charge from SIMSAG.
Furthermore, SIMSAG is the Swiss representative for the foreign Schroder Funds which have been approved by the FINMA for offer to non-qualified investors in Switzerland (“Approved Schroder Funds”) and for the foreign Schroder Funds which have not been approved for offer in Switzerland by FINMA but which may be offered to exclusively Qualified Investors in Switzerland (“Schroder Funds for Qualified Investors”). Paying agent of the Approved Schroder Funds and of the Schroder Funds for Qualified Investors is Schroder & Co Bank AG, Central 2, CH-8001 Zurich, Switzerland. The relevant fund documents (as the case may be: prospectus, offering memorandum, articles, the key information documents as well as the annual and semi-annual reports) of the Approved Schroder Funds and the Schroder Funds for Qualified Investors are available free of charge from SIMSAG. The relevant fund documents for the Schroder Funds for Qualified Investors will only be made available to Qualified Investors.
As a fund management company, SIMSAG is, among others, subject to the rules under FinSA, CISA and FinIA.
Our FIDLEG Client Information Document in particular explains how we apply the regulatory requirements under FinSA and its implementing ordinance.
SIMSAG is affiliated to the following ombudsman:
Finanzombudsstelle Schweiz (FINOS), Talstrasse 20, CH-8001 Zurich, Switzerland.
Our FIDLEG Client Information Document sets out detailed information about the possibility to initiate a mediation procedure.
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SIMSAG does not represent that any Schroder fund or financial instruments mentioned on this Website are suitable for any investor. Therefore, you should not rely on the content of this Website when making any investment or other decisions. It is your responsibility to evaluate the merits and risks associated with the use of any materials on this Website before making any investment decisions based on such materials. Investment or other decisions should be made solely on the basis of the relevant fund documents (prospectus/offering memorandum, fund contract/articles, key information documents, financial reports) of the respective fund.
It is important that you read the relevant fund and product documents before you invest in financial instruments to ensure that you understand the investment policy, expenses, specific risks involved and other important matters, to determine whether it is a suitable product for you.
We recommend that you contact an independent financial advisor, tax consultant or other qualified expert in order to determine whether an investment in a particular fund corresponds to your specific requirements and preferred level of risk.
Investment Risk / Performance
The provision of financial services and investments in financial instruments involve opportunities but also bear risks. It is important that you understand these risks before using a financial service or investing in a financial instrument. The most significant risks are explained in the brochure RISKS INVOLVED IN TRADING FINANCIAL INSTRUMENTS of the Swiss Bankers Association (SBA) as well as in the relevant documents of the respective financial instrument.
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Intellectual Property Rights
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Applicable Law and Jurisdiction
Publication date: 1 January 2022