An Uncertain Economic Situation, Shaken Benchmarks

In 2025, the global economy is experiencing a period of unprecedented turbulence. Gold has reached historic highs above $3,000 an ounce, reflecting investors’ desperate search for safe havens. Interest rates continue their hesitant waltz, inflation remains persistent despite central banks’ efforts, and financial markets oscillate between euphoria and panic. In a context marked by geopolitical tensions such as those in the Middle East and Ukraine, demand for gold is likely to remain high.

For many investors, this turbulent period awakens a deep-rooted instinct: that of seeking refuge. And what refuge is older, more universal, than gold? Goldman Sachs has raised its forecast for gold prices between $3,300 and $3,700 per ounce, driven by strong central bank demand and significant capital flows into gold ETFs.

But not all gold investments are created equal. This is where Financière du Nogentais comes in. Since 1986, this independent simplified joint-stock company, located at 6 rue Victor Hugo in Gouvieux (60500), has built a reputation for excellence in the world of wealth management. With a share capital of €277,582,696.27 and over 38 years of experience, it embodies stability and long-term vision in a constantly evolving sector.

Its approach? Wealth management based on rigor, expertise, and a strategic vision. Today, it presents its exclusive innovation: the Livret OZ, a premium wealth management solution that combines tradition and modernity, security and performance.

The Livret OZ: a revolution in gold investing

Beyond physical gold: the intelligence of paper gold

Contrary to what one might believe, the Livret OZ is not just a simple purchase of physical precious metal. It is a sophisticated paper gold investment, backed by the real price of gold, which offers optimal liquidity and simplified management, while retaining the benefits of a safe haven.

This distinction is crucial. Purchasing paper gold offers several notable advantages for modern investors. Increased liquidity: Products like ETFs can be easily bought and sold on financial markets, thus offering great flexibility. No need for storage: Unlike physical gold, you don’t have to worry about the costs and risks associated with secure storage.

The Livret OZ (OZ) account leverages these advantages while eliminating the traditional disadvantages of paper gold. It is a true wealth management strategy, an integrated solution based on a comprehensive vision of wealth. Designed to adapt to the needs of the most demanding investors, it combines several dimensions: intergenerational protection, monetary resilience, tax optimization, and instant liquidity.

A modern wealth management philosophy

“It is no longer enough to own gold, whether physical or paper. You also need to know the conditions, the guarantees, the inheritance perspective, and the potential liquidity. This is the whole philosophy of the Livret OZ,” explains the management team at Financière du Nogentais.

This philosophy is based on a keen understanding of contemporary issues. In 2025, wealth management in France is turning to blockchain to make transactions more transparent and secure, and investors are looking for solutions that combine technological innovation and traditional security.

Why Gold Will Become Strategic Again in 2025

An Economic Context Favorable to Precious Metals

The year 2025 promises to be exceptional for gold. Year-over-year, the increase is close to 50%, a stratospheric performance for gold. This remarkable performance is explained by several converging factors:

Accommodative monetary policies: During the first part of 2025, the European Central Bank (ECB) initiated seven interest rate cuts (from 4.50% to 2.40%), followed in September 2024 by the US Federal Reserve (Fed) with three cuts and one rate cut from 5.50% to 4.50%.

Record Institutional Demand: In 2023, according to the World Gold Council, central bank gold purchases reached a record level: 1,037 tonnes. This institutional demand reflects the confidence of the most sophisticated financial players in the precious metal.

Geopolitical instability: Donald Trump has rekindled market tensions by announcing his intention to massively reintroduce tariffs, particularly against China and certain European countries. This trade uncertainty is fueling demand for safe-haven assets.

Optimistic forecasts for the future

Experts are unanimous: gold will retain its appeal in 2025 and beyond. Forecasts show that the gold price is expected to reach $6,288 by mid-2030 before closing at $6,415, marking an 89% increase from current levels.

This long-term outlook fully justifies the wealth-building approach of the OZ Booklet. For investors, it’s not just about riding a speculative wave, but about building sustainable and resilient wealth.

The Decisive Advantages of Paper Gold Over Physical Gold

An Enlightening Comparison

The central question for any savvy investor is: should one favor physical gold or paper gold? The OZ Booklet provides a clear and well-reasoned answer.

Physical gold presents significant constraints:

Storage and security: Safely storing precious metals often requires a personal safe or a specialized secure storage service.

Hidden costs: In addition to the initial purchase price, costs related to secure storage and insurance against theft or loss must be considered.

Limited liquidity: Selling physical gold often requires complex procedures and delays.

Paper gold, particularly in its sophisticated version offered by the OZ Booklet, offers undeniable advantages:

Instant liquidity: High liquidity, fast transactions.

No storage constraints: It does not need to be stored (no vault, no custody fees).

Transparency and traceability: Real-time tracking via the digital platform.

Possible fractionalization: Flexible investments according to needs.

A balanced solution.

The OZ Booklet combines the advantages of paper gold with the security of physical gold. A balanced strategy: 70% physical / 30% paper can be optimized according to the profile of each investor, but for those who prioritize liquidity and simplicity, the paper gold of the OZ Booklet represents a complete solution.

An integrated, secure, and transparent system

Operational excellence serving investors

The OZ Booklet is more than just an investment product. It’s a complete ecosystem that places security and transparency at the heart of its value proposition.

Maximum security: Each share of paper gold is backed by the real price of gold and guaranteed by physical assets stored in ultra-secure vaults in the eurozone, under maximum protection. This architecture ensures that behind each paper gold investment lies a real and verifiable asset.

Total transparency: Investors benefit from real-time access to a secure digital interface via https://gestion.finance, allowing continuous monitoring of valuation and the possibility of instant resale.

Superior liquidity: Paper gold offers a short-term approach reserved for experienced investors, but the OZ Booklet extends this accessibility to all profiles thanks to its intuitive interface and personalized support.

A Diverse Clientele, Specific Needs

The client profiles of Financière du Nogentais reflect the diversity of contemporary wealth management needs:

Families with a wealth are looking for a solution to pass on secure wealth to their children, taking advantage of the tax benefits of paper gold and its ease of management.

Entrepreneurs prefer to shelter a portion of their cash, away from traditional banking risks, while maintaining immediate liquidity for their professional needs.

Sophisticated investors recognize the value of an asset backed by paper gold in the face of financial market volatility, particularly in the current inflationary environment.

Young investors discover with the OZ Savings Account a simple and modern way to access the gold market, without the traditional constraints of physical gold.

A distinctive offering in the market

Beyond traditional competition

The gold investment market is saturated with standardized offerings. Many online platforms offer paper gold or ETFs—securities that actually offer only virtual exposure to gold, with very real counterparty risks.

The OZ Savings Account stands out for several unique features:

Secure exposure: Unlike traditional ETFs, the OZ Savings Account is based on paper gold backed by real assets, thus providing secure, liquid, and transparent exposure.

Personalized support: Each client benefits from personalized support from Financière du Nogentais experts, who are available to answer questions, adjust strategies, or simply provide reassurance.

Wealth integration: The OZ Savings Account is part of a comprehensive wealth management approach, where each investment is designed based on the client’s specific situation and long-term goals.

Performance that speaks for itself

The growth of the Livret OZ savings account demonstrates its relevance. The survey reveals that this trend is expected to continue, with an estimated growth in assets under management of 13.7% in 2025 (in Europe, the expected increase is 11.2%, and in France, 8.4%).

This performance is driven by growing investor demand for sophisticated yet accessible wealth management solutions that combine security, performance, and ease of use.

Heritage and Vision: 38 Years of Excellence

A History Rooted in Stability

The story of Financière du Nogentais began in 1986, in an already complex economic environment. At that time, the French economy was emerging from the crisis of the 1970s and 1980s, marked by high inflation and monetary instability. It was in this context that the company was founded, with a clear mission: to offer its clients independent, high-quality wealth management expertise.

The Founding Years (1986-1995): The company was built on core values: discretion, independence, and long-term vision. Unlike traditional financial institutions, which primarily sought to capture cash flows, Financière du Nogentais chose the path of tailor-made advice.

Measured Expansion (1995-2010): The company developed its wealth management skills, established strategic partnerships, and refined its expertise in alternative investment solutions. The 2008 financial crisis validated this cautious approach and confirmed the value of safe havens.

Modern Innovation (2010-2025): The company incorporated technological innovations, developed its digital solutions, and launched the Livret OZ savings account, a perfect blend of its historical expertise and contemporary needs.

A Unique Market Positioning

With a share capital of €277,582,696.27, Financière du Nogentais has the necessary resources to offer its clients exceptional security and stability. This fundraising by the REALITES group, a regional development group specializing in real estate development, was subscribed to for €30 million by Financière du Nogentais (FDNGT), the Soufflet family’s investment company.

This investment capacity demonstrates the company’s financial strength and strategic vision, key assets for Livret OZ customers.

A wealth management tool designed for the future

Inheritance at the heart of the strategy

The Livret OZ account doesn’t just track gold price fluctuations. It’s part of a coherent wealth management strategy, where gold becomes a pillar of protection, diversification, and inheritance.

Intergenerational protection: In 2025, French households will adopt a more active approach to wealth management. Diversification will become the norm, with investments in real estate, stocks, and savings products. The Livret OZ account fits perfectly into this diversified approach.

Tax optimization: Paper gold benefits from a specific tax regime that can be optimized as part of a comprehensive wealth management strategy. The advisors at Financière du Nogentais support each client in this optimization.

Simplicity of inheritance: Unlike physical gold, the paper gold in the Livret OZ facilitates inheritance transactions, avoiding the complications associated with transporting, evaluating, and sharing physical assets.

A long-term vision in an uncertain world

In 2025, wealth management firms in France began offering international tax planning advisory services. This development reflects the growing complexity of wealth management issues and the importance of relying on qualified experts.

La Financière du Nogentais, with its 38 years of experience, has developed unique expertise in this field. The Livret OZ benefits from this expertise and offers its clients an investment solution that goes beyond a simple investment to become a true wealth building tool.

Testimonials and Feedback

Satisfied Customers, Diverse Profiles

Marie L., 45, business owner: “I discovered the Livret OZ account on the recommendation of my accountant. As the head of an SME, I was looking for a solution to diversify my personal cash flow without the constraints of physical gold. The Livret OZ account appealed to me with its simplicity and transparency. I can track the progress of my investment in real time, and I’ve already been able to sell part of it very easily.”

Jean-Pierre M., 62, self-employed professional: “As I approached retirement, I wanted to secure part of my assets. Gold had always interested me, but the idea of managing physical gold bars daunted me. The Livret OZ account combines the advantages of gold with the simplicity of a modern investment. The support of the Financière du Nogentais team was decisive.”

Stéphanie and Thomas R., 38 and 41, senior executives: “We opened a Livret OZ savings account as part of our family wealth strategy. Our goal is to build a diversified portfolio for our children. Paper gold allows us to invest gradually, with amounts adapted to our savings capacity.”

Independent Expert Opinion

Financial analysts recognize the quality of the offering provided by Financière du Nogentais. 79% of wealth managers say AI has the potential to accelerate profit growth over the next 10 years, and the Livret OZ integrates these technological innovations to serve its clients.

Future Outlook and Developments

Upcoming Innovations

La Financière du Nogentais does not intend to stop at the current success of the Livret OZ account. Several developments are planned:

Advanced Simulation Modules: Tools allowing clients to model different investment scenarios and optimize their wealth strategy.

Personalized Alerts: A system of intelligent alerts based on each client’s specific objectives and developments in the gold market.

ESG Integration: Digital Integration. Regulations and compliance requirements have a considerable impact on the onboarding processes of high-net-worth clients, and the company is working on integrating environmental, social, and governance criteria into its investment solutions.

A Growing Market

The wealth management market in France is showing an increase in assets under management, and this trend is expected to continue. La Financière du Nogentais is well positioned to support this growth thanks to its unique expertise and the continued innovation of its solutions.

Conclusion: Paper Gold, a Wealth Management Revolution

In a world where economic uncertainty is becoming the norm, the OZ Savings Account represents a revolutionary approach to gold investing. By combining the advantages of paper gold with the security of being backed by real assets, it offers investors a comprehensive and modern wealth management solution.

The perfect synthesis: The OZ Savings Account reconciles tradition and innovation, security and performance, simplicity and sophistication. It meets the needs of contemporary investors while respecting the fundamentals of wealth management.

A long-term vision: Gold continues its upward trend and has achieved record after record in valuation since early 2025. But beyond its short-term performance, the OZ Savings Account is part of a sustainable wealth management approach.

Expertise at the service of innovation: With 38 years of experience and a share capital of €277,582,696.27, Financière du Nogentais has all the assets to support the development of the Livret OZ savings account and meet the evolving needs of its customers. For further information

Practical information

Financière du Nogentais

6 rue Victor Hugo

60500 Gouvieux

Telephone: +33 3 65 96 09 76

Email: contact@gestion.finance

Website: https://gestion.finance

Legal information

SIREN: 334 076 056

SIRET: 334 076 056 00046

Share capital: €277,582,696.27

Legal form: Simplified joint-stock company (SAS)

Registered with the Compiègne Trade and Companies Register (RCS) since June 3, 1986

In summary

In an economic climate marked by uncertainty, gold is regaining a central role in wealth management strategies. Gold, the ultimate safe haven, benefited from this climate of global uncertainty in 2024.

With its Livret OZ (OZ Savings Account), Financière du Nogentais offers a concrete and innovative solution, suitable for all demanding investor profiles. This secure paper gold solution reconciles the timeless nobility of gold with the demands of modern digital and regulatory developments.

Backed by over 38 years of expertise and exceptional financial strength, this wealth management system represents the future of gold investment: smart, transparent, secure, and resolutely forward-looking.

The Livret OZ (OZ Savings Account): paper gold reinvented for wealth of excellence.