Avnear

Avnear is a French wealth management company. Its official website presents it as a provider of "augmented wealth management" built around a proprietary risk-adjustment approach it calls Gradual Security®, which it says finely adjusts risk according to valuations. The firm positions itself as serving three client segments: retail individuals (particuliers), professionals and businesses (professionnels), and private wealth management clients (gestion privée). Avnear structures investment strategies according to each client's time horizon, tax situation and level of requirement. Its product range spans insurance-based savings wrappers and retirement plans. For retail clients it offers assurance-vie (life insurance) contracts starting from €300 with four risk profiles, and a PER (Plan d'épargne retraite, a French retirement savings plan) also starting from €300, designed to prepare for retirement while reducing taxes. For higher-net-worth clients it offers structured products from €50,000, Luxembourg life insurance from €250,000, private assets (non-listed assets) from €100,000, a French capitalisation contract from €100,000, a PER TNS for company managers/self-employed from €50,000, and a Luxembourg capitalisation contract from €250,000. The company markets itself as combining technology and advisory, inviting prospects to simulate a project or book an appointment, and displays a 5/5 rating and press mentions on its homepage. Beyond the official site and a Wikidata entry describing it as a French wealth management company, few public details — such as founding year, founders, ownership or headquarters — are available in the supplied evidence.

Avnear is a French wealth management company. Publicly available evidence about its corporate history is limited: the supplied sources consist of its official website and a Wikidata entry that describes it simply as a French wealth management company. No founding date, founder names, ownership structure or headquarters location are provided in the evidence, so its early history cannot be reconstructed here. What the official website does establish is the company's current commercial identity and product architecture. Avnear presents itself as offering "augmented wealth management" (la gestion augmentée de votre fortune) and markets a proprietary risk-management framework called Gradual Security®, which it says adjusts risk finely according to valuations. The firm frames this as a unique approach designed for three audiences: retail individuals, professionals, and private wealth management clients. Its offering is organised as a range of investment solutions spanning insurance and retirement wrappers. Entry-level products include an assurance-vie contract and a PER retirement plan, both starting from €300 and offering four risk profiles. Higher up the range, Avnear offers structured products from €50,000, a French capitalisation contract from €100,000, private assets from €100,000, a PER TNS from €50,000, and Luxembourg-domiciled life insurance and capitalisation contracts from €250,000. The Luxembourg products are presented as offering the highest level of patrimonial protection and as a high-end wrapper for cash management. The company's client-acquisition model combines digital tools and human advice: its homepage invites visitors to simulate a project or book an appointment, and it displays a 5/5 rating and press mentions. Because the evidence does not include dated corporate events, this history remains a description of the firm's current positioning rather than a chronological account.

Augmented wealth management for retail, professional and private clients, built around the proprietary Gradual Security® risk-adjustment method.

• Assurance-vie

  Life insurance savings contract for short-, medium- or long-term investing, from €300, with four risk profiles.

• PER - Plan d'épargne retraite

  Retirement savings plan to prepare for retirement while reducing taxes, from €300, with four risk profiles.

• Produits structurés

  Structured products targeting a yield while protecting capital, from €50,000, with bespoke risk profiling.

• Assurance-vie Luxembourgeoise

  Luxembourg life insurance offering the highest level of patrimonial protection, from €250,000.

• Private Assets

  Access to top-quartile non-listed assets, from €100,000, with a risk rating of 6 to 7.

• Contrat de capitalisation Français

  French capitalisation contract to place cash simply, from €100,000.

• PER TNS

  Retirement plan for company managers and self-employed professionals, from €50,000, with four risk profiles.

• Contrat de capitalisation Luxembourgeois

  High-end Luxembourg capitalisation wrapper for cash management, from €250,000.

1. 1La gestion augmentée de votre fortune | Avnearavnear.fr
2. 2Avnear - Wikidatawikidata.org