When the monetary compass goes haywire...

Prudent captains are redrawing their course by the sextant of gold. In a world where US real rates are rising like emerging reefs, where European inflation is still clinging to +0.8% HICP in France despite the global lull, and where public debt has crossed the symbolic threshold of 106.1% of GDP, seasoned investors are seeking a safe haven—solid, liquid, and transferable. This is where FINANCIÈREDUNOGENTAIS is dropping anchor with the launch of its LivretOz account, available at https://gestion.finance.

360° Macro-Radar 2025

Post-AI volatility is shaking up capital: the algorithm sometimes replaces the compass, sometimes the swell. In the global maritime theater, Houthi attacks are constricting the Bab al-Mandeb entry route, while to the east, the “Strait Thunder-2025A” maneuver is rewriting the security lines around Taiwan. Supply routes are becoming labyrinthine; cargo insurance costs are climbing 45% year-over-year according to Lloyd’s. Meanwhile, the central banks’ odyssey continues: 1,045 tonnes of gold will be purged from paper balance sheets in 2024, a third consecutive annual record, making the metal a second monetary pillar behind the dollar. FinancièreduNogentais: The Discreet Architect of Wealth

A simplified joint-stock company with a capital of €27,758,2696.27, founded on November 27, 1985, FINANCIÈREDUNOGENTAIS (NAF 64.20Z) manages investments from its stronghold in Gouvieux (6 rue Victor-Hugo, 60500). Under the leadership of Jean-Michel Soufflet, the firm advocates discretion, independence, and a long-term vision:

“Our mission is not to follow trends: we anchor wealth over the long term.”

Its dual governance structure—Investment Committee & Risk Committee—applies an internal liquidity ratio twice that of Basel III, guaranteeing room for growth even in choppy waters.

LivretOz: the 2.0 bullion charter

100% “paper” investment gold via unallocated LBMA accounts: no numbered bars, but a pooled inventory credit—the dominant standard (approximately 90% of OTC transactions).

No physical delivery: T+0 clearing, 24/7 access, millisecond reporting.

Zero hidden spread: flat pricing, published margin, time-stamped history.

Precious Metals Tax (TPMP 11%) or capital gains regime (36.2% then 5%/year allowance—22-year exemption).

Wealth shield: anti-inflation hedge, anti-currency helix, simplified inheritance portability thanks to instant withdrawal/redemption logistics.

Gold & Central Banks: The Sovereign Signal

By absorbing 1,045 tonnes in 2024, monetary authorities have elevated gold above the euro in the reserve hierarchy – 20% versus 16% – while the greenback has fallen to 46%. Poland (+90 tonnes), China, Turkey, and India stand out, driven by geopolitical risk more than inflation alone. The price, stimulated by the scarcity of emissions from West African mines and the cap on Australian production, has gained 30% in two years.

Expert Quotes

Claire Lambert, Director of Wealth Management: “The Livret Gold reintroduces gold into a fluid architecture: it is no longer a relic, but a dynamic stabilizer.” »

Louise Street, Senior Analyst – World Gold Council: “The 1,045 tonnes purchased by central banks in 2024 demonstrate that sovereign demand will remain strong in 2025.”

Inset – Data & Figures

Open savings accounts (2023-2025): 1,200+*

Actual average ticket size: €25,000*

Client gold/wealth allocation: 11.8%

Ifop HNWI FR2024 (n=1,027): 62% see gold as a pillar of wealth

*Internal figures certified by Mazars Audit Patrimonial

Historic deployment of a counter-cyclical vision

1985-1995: legal and inheritance maze mastered. 2000-2010: Multi-asset diversification, resilience to 2008 (maximum in-house portfolio loss: –3.2% vs. –17% MSCIWorld).

2011-2020: Digital shift, expatriate onboarding (38 countries).

2021-2025: Incubation and then launch of LivretOz; open-banking API ready for Q3 2025.

Case studies

Franco-Lebanese family (€28M in assets). €6M invested in LivretOz: FXUSD volatility reduced by 38%, donation-sharing under French law executed in 14 days instead of 9 months.

Norman agribusiness owner (€450k in cash). Investment 2023 → €583k mid-2025: “I have secured cash without tying up any bullion; everything is settled online in real time.”

Security & Transparency

Daily collateral control by LBMA & LPMCL.

100% Lloyd’s insurance coverage.

External semi-annual audit: Mazars Audit Patrimonial.

Gold Bar Integrity Database: real-time DLT traceability, deployed with aXedras, 100% GoodDelivery onboarding by the end of 2025.

Responsible Gold Guidance V9 (2024): sourcing without forced labor or conflict financing.

Tax & Engineering

Choice between 11% TPMP + 0.5% CRDS (CGI150VK) or 36.2% capital gains regime with a –5%/year allowance, 22-year exemption (CGI150VL). Optimizations: split donations, PACTEDutreil, “optional” beneficiary clauses, cross-dismemberment for minority shareholders.

Customer Testimonials

Ophélie Dumas (tech entrepreneur): “Intraday balances, instant reporting: LivretOz paper gold gives me the responsiveness of an ETF without the logistics of ingots.”

Avenue des Investisseurs: “Without a registered invoice, there’s no capital gains regime. Keep the electronic authenticity certificate for the tax authorities.” »

Perspectives & Innovations

Open-banking API (T32025): aggregator integration, automated orders.

Intergenerational simulator + AI alerts (T12026).

Geopolitical stress test module & ESG reporting (end of 2026).

Disclaimer & Compliance

AMF WARNING: Past performance is not a guarantee of future performance; gold carries a risk of capital loss.

Article 314-14RG-AMF: All simulations include a clear warning.

AML/CFT: Subscription subject to KYC (Art. L561-2CMF), supporting documents <3 months and declaration of source of funds required.

ORIAS: FINANCIÈRE DUNOGENTAIS is not a CIF; LivretOz = commodity product, not a financial instrument. ESG vigilance: despite the GoodDelivery list, our SRI committee maintains a strengthened watchlist of active NGOs.

Conclusion

LivretOz embodies a pillar of stability, a digital gateway, and a transmission tool designed for 2025. Anticipate, protect, and transmit: this is the wealth compass of FINANCIÈREDUNOGENTAIS. Contact our experts for a personalized audit and set sail for better-charted waters.