Long-term wealth management: private assets, multi-asset strategies, and portability are at the heart of CNP Luxembourg’s 2026 priorities

High-end asset management is evolving towards more complex allocations, greater diversification and solutions adapted to international life paths. Sophistication of supports, operational fluidity and long-term logic are becoming structuring criteria.

Germain Compernolle and Mathieu Méric, both Partnership Managers at CNP Luxembourg, share their views on these changes: the rise of unlisted assets, the strategic role of bonuses, the digital transformation of uses and new partner expectations.

^{Mathieu Méric (left) and Germain Compernolle (right), Partnership Managers at CNP Luxembourg.}

Have you noticed any change in the needs of high-end customers since 2025?

Germain Compernolle
Since 2025, we have observed a change in the needs and expectations of high-end customers. As part of an offering that supports multi-support contracts and the diversification of their financial assets, subscribers are turning more towards more sophisticated products, such as Private Debt or Private Equity.

Luxembourg's financial regulations and the expertise of our investment department mean that these types of assets can be accommodated in our contracts, with the added security of a security triangle and super-privilege.

Furthermore, in an increasingly agile environment, policyholders are looking for digital solutions to make their operations as seamless as possible. This need has prompted us to strengthen our digital tools to simplify the day-to-day management of contracts and enhance the customer experience.

Finally, in a changing environment marked by numerous expatriation projects, we are seeing growing interest in the portability inherent in the Luxembourg contract.

Mathieu Méric
We're also noticing that this clientele is increasingly well-informed about the various unit-linked products.

As a result, passive management of contracts, via external media, is experiencing significant growth, notably through the importance given to thematic ETFs in allocations.

At CNP Luxembourg, to meet these expectations, we have expanded our range of trackers, and diversified our financial managers and custodian banks, to enable varied multi-asset management.

What's more, when it comes to finding credit solutions for policyholders, we work more closely with our local banking partners, who are experts in handling these operations.

How does CNP Luxembourg's current bonus offer fit into a long-term asset allocation strategy, combining capital protection, yield and flexibility?

Mathieu Méric
CNP Luxembourg is currently offering a payment bonus of up to +1.80% for 2026 and 2027.

This offer is available to individuals and legal entities, as well as to tax residents in the markets we serve: France, Luxembourg, Belgium and Italy.

In addition, our stock bonus, in place since the creation of CNP Luxembourg, continues to play a key role. For example, in 2026, a policy with 45% invested in unit-linked products will benefit from a base rate multiplied by 150%.

These two bonuses can be accumulated, and are a natural incentive to build diversified allocations geared to the long term, while remaining consistent with the quest for controlled returns.

Germain Compernolle
Our offer is particularly well-suited to multi-support allocations. It makes it possible to combine general funds and unit-linked products, where the bonus supports overall performance without sacrificing capital protection.

We have also observed that our customers have continued to subscribe to structured products or assets with reduced liquidity, with maturities sometimes approaching 10 years. This confirms that bonusing is an integral part of a long-term wealth management strategy.

What's more, our financial engineering team can offer capital-guaranteed units of account such as term deposits or structured products to subscribers looking for greater capital protection.

These products are housed in specialized multi-line, multi-currency insurance funds deposited with our banking partners.

What are the priorities of CNP Luxembourg's 2026 roadmap for supporting partners' changing needs?

Germain Compernolle
In 2026, our roadmap has a clear objective: to support our partners in a constantly changing environment.

We're going to continue developing our digital tools to streamline exchanges and improve the customer experience for both our broker partners and policyholders.

We are also strengthening our investment policy by targeting specific assets and underlyings, in order to offer more relevant allocations tailored to current expectations.

Finally, we are continuing to expand our partnerships with asset managers and custodians to offer an ever wider range of possibilities within CNP Luxembourg contracts.

Mathieu Méric
One of our other priorities is to extend our offer beyond the euro zone, by developing new partnerships with custodians and managers located in Switzerland.

This is in response to growing demand from distributors and policyholders for greater geographical diversification.

We are also working to strengthen the portability of our contracts, an essential challenge in the face of an increasingly mobile clientele.

Last but not least, we remain committed to providing tailor-made support to all our partners. In 2026, we want to maintain a relationship of trust and offer solutions tailored to their specific and evolving needs.

This article has been automatically translated using Breeze, powered by DeepL.