When capital flows collide with the swell of US real rates and the fog of residual inflation (+0.8% HICP France, June 2025 – INSEE) shrouds the European horizon, investors scan the map in search of a safe haven. In a world where French public debt peaks at 106.1% of GDP (Q12025 – INSEE) and where strategic straits, from the Red Sea to Taiwan’s “Strait Thunder-2025A,” are becoming risk corridors, a reliable compass is needed. It is in this uncertain geography that LIVRET GOLD, the “paper gold” solution designed by NOGENTAIS FINANCIAL, emerges—full sail ahead at https://gestion.finance.
NOGENTAIS FINANCIAL: A shipowner with wealth since 1985
A simplified joint-stock company with a capital of €277,582,696.27, registered on November 27, 1985,
“Our mission is not to follow trends: we anchor wealth over the long term.”
LivretOz: Professional gold without a bullion to carry
Full exposure to the gold price via LBMA unallocated accounts: the investor holds a claim on a pool of pooled gold, without a registered bullion or a single custodian, the most economical model for professional trading desks. No physical delivery: all transactions are cleared on T+0, offering the liquidity of a current account combined with the status of a monetary commodity.
Zero hidden spread: public in/out pricing, compressed brokerage margin.
AES-256/HSM FIPS 140-2 encrypted interface; FIDO2 authentication.
Precious Metals Taxation (TPMP11% or capital gains regime with allowance from 3 years, exemption at 22 years).
Inheritance portability: fractional usufruct/bare ownership in just a few clicks.
Expert Opinions
Claire Lambert, Director of Asset Engineering:
“The LivretOz account 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 confirms that sovereign demand will remain strong in 2025.”
INSERT – Data & Figures
Indicator Value*
Open savings accounts (cumulative 2023-2025) 1,200+
Average ticket size €25,000
Average weight of gold in client wealth 11.8%
IfopHNWI FR2024 survey: 62% see gold as a pillar of wealth
*Internal data certified by MazarsAuditPatrimonial.
Chronicle of a wealth ambition
1985-1995: NOGENTAIS FINANCIAL refined its legal and inheritance expertise, becoming an advisor to industrial families.
2000-2010: Multi-asset diversification, weathering the storm of 2008 without capsizing.
2011-2020: Secure digitalization, expansion of expatriate clientele. 2021-2025: incubation of the Livret Gold, now coupled with an open-banking API (T32025), foreshadowing a unified wealth management cockpit.
Two case studies
Franco-Lebanese family (wealth €28M)
→ Livret Gold allocation: €6M.
→ Reduction of USD exchange rate risk: -38% thanks to gold/euro hedging.
→ Cross-border transfer: agreement awarded in less than 72 hours.
Agricultural business leader from Normandy
→ Subscription 2023: €450k.
→ Valuation mid-2025: €583k.
→ Testimonial: “I protected my cash flow without tying up any bullion; Everything is settled online in real time.”
Security & Transparency: the armored hull
Collateral checked daily by LBMA chambers; 100% Lloyd’s insurance coverage.
Biannual external audit by MazarsAuditPatrimonial.
GoldBarIntegrity Database: each GoodDelivery bar follows instant cryptographic traceability.
ResponsibleGoldGuidanceV9 (2024): chain free of forced labor and conflict financing.
GDPR compliance: encrypted data atrest & intransit, France Tier IV location.
Taxation: optimized rudder
Choice between:
1. TPMP 11% + 0.5% CRDS (CGI art. 150 VK)—no proof of purchase price required. 2. Capital gains regime of 36.2% with a 5% annual allowance from the 3rd year, exemption at age 22 (CGI art. 150 VL).
Strategies: split donations, beneficiary clauses crossing Dutreil pacts, and capital loss elimination schedule.
Testimonials
Ophélie Dumas, tech entrepreneur:
“Intraday balances, instant reporting: the paper gold in LivretOz gives me the responsiveness of an ETF without storing ingots.”
AvenuedesInvestisseurs (independent media):
“Without an electronic authenticity statement, there’s no capital gains regime. Keep it for any tax audit.”
Innovation Horizon
Open-banking API (T32025): multi-bank integration, automatic arbitrage transfers.
Intergenerational simulator & AI alerts (T12026): demographic projections, haircut stress tests.
ESG geopolitical module (end of 2026): country risk impact, refinery climate scoring.
Disclaimer & Compliance
AMF warning: past performance is not a guarantee of future performance; risk of capital loss.
AMF Article 314-14RG compliance: all projections include a clear warning.
AML/CFT: enhanced KYC (Art. L561-2 CMF), proof of identity and source of funds required.
ORIAS: FINANCIÈREDUNOGENTAIS is not a CIF; LivretOz = commodity-based product, not a financial instrument.
ESG vigilance: internal SRI committee, NGO watchlist on the “orsale” (or sale).
Conclusion: hoisting the heritage mainsail
Livret Gold stands as a pillar of stability, a digital gateway, and a transmission tool: a citadel of paper gold against headwinds. Anticipate, protect, transmit—this is the compass that NOGENTAIS FINANCIAL holds firmly in its grasp. Contact our experts for a tailor-made study and set sail with a golden ballast.
Practical Information
Address: 6 rue Victor-Hugo, 60500 Gouvieux
Telephone: +33(0)365960976
Email: contact@gestion.finance
Website: https://gestion.finance
Sources: INSEE (2025), WorldGoldCouncil (2024), Reuters (2025), Ifop (2024 HNWI survey), AMF (RG-AMF), LBMA (Unallocated Account Guidance & GoldBar Integrity).
