Nutkin offers an individual Retirement Savings Plan (PER) featuring performance and capital guarantees secured by a partner bank. This product provides clients with a known return at maturity, contrasting with traditional market-exposed investment vehicles. The platform emphasizes low management fees by avoiding complex equity and index market management teams.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional retirement savings plans expose individuals to market volatility, making it difficult to predict future returns and potentially jeopardizing their financial security. Many savers lack access to products that guarantee both capital preservation and a defined rate of return, leading to uncertainty about their retirement income.
Solution
Nutkin offers a retirement savings plan (Plan d'Épargne Retraite or PER) that guarantees both the invested capital and its performance at maturity. Unlike conventional PERs, Nutkin's plan uses unique investment vehicles whose returns are not tied to financial market fluctuations but are instead contractually guaranteed by a partner bank. This approach allows savers to know their exact gains at the time of investment, providing a secure and predictable path to retirement savings. Nutkin's PER offers a single, simple investment option for all contributions, eliminating the need for complex asset allocation or risk management.
Target Audience
The primary audience includes self-employed individuals, professionals, and salaried employees in France who are seeking a secure, guaranteed-return retirement savings plan with tax advantages.
Features
- Guaranteed capital and performance at maturity, underwritten by a partner bank (BNP Paribas)
- Investment returns are not subject to market volatility
- Predetermined rate of return known at the time of investment
- Single investment vehicle for all contributions
- Low annual fees (1.3% of assets)
- No commitment to periodic payments; contributions can be made at any time, starting from 1000 EUR
- Tax-deductible contributions, reducing current income tax liability