A basic concept in finance is the time value of money. If you earn $1,000 today, that $1,000 will not be worth $1,000 tomorrow.
Inflation and money are cardinal concepts in understanding financial investment.
Inflation is a general rise in prices, reflected in the consumer price index calculated each year in every country and other statistical institutes in other countries.
Whatever the investment (life insurance, bank account, stocks, bonfd private equity, etc.), our status as a Financial Investment Advisor (ORIAS reg. no. 101280329) requires us to carry out an investor profile questionnaire.
All financial assets carry a regulatory risk rating
A cardinal principle in finance is that the more return you want, the more risk you have to take.
There is no such thing as a high return without risk.
If prices rise by 5%, the computer you paid €1,000 for yesterday is worth €1,005 today. The reasoning is similar for savings.
We offer several levels of support depending on the amount of savings to be invested:
It protects your savings and your purchasing power.
Thanks to the security triangle, the funds are placed in a custodian bank separate from the insurer, and the funds are 100% guaranteed by the insurer's own funds (over-collateralisation), compared with $100,000 in your country. Contracts are audited by the Commissariat aux Assurances, an independent body of the Luxembourg government, every 3 months.
Given the massive fall in the euro (down 20% against the dollar since the start of the year), it is possible to convert your policy into dollars, Swiss francs or pounds sterling.
Finally, the Dedicated Internal Funds allow you to create a tailor-made contract for yourself with
private equity, property funds, shares and bonds from all over the world (USA, Europe and Asia).
With The OneLife Company, I offer my investors (companies and individuals) Luxembourg contracts that enable them to protect and grow their savings in an ideal way.
Above $500,000: wealth management. Access to private banking products: club deals, business angel, private equity, customised structured products. In different countries (Switzerland, Singapore, Hong Kong, Dubaï, etc.) and currencies (CHF, USD, EUR, JPY, CNY). With higher or lower entry fees depending on the product.
Given the worrying state of French public finances and the dangers that are likely to arise, we systematically place all our customers' savings over €100,000 abroad, unless the investor chooses otherwise.
Switzerland is the world's leading financial centre
outside the European Union, and a worldwide reference for investment.
• Switzerland is an extremely developed country (with the world's highest HDI, low inflation and high per capita wealth) and a stable one,
giving you
total freedom to invest.
• With Swissquote, Switzerland's leading online bank, you can invest in all the world's investment vehicles
(ETFs, private equity, equities, bonds, crypto-currencies, etc).
More than 100,000 investment funds, investments in commodities (gold, silver, oil, wheat, etc.), derivatives and customised structured products.
With a highly favourable tax system and the best choice of financial products in the world, Switzerland is, alongside Luxembourg, an excellent country for boosting and securing your savings.
Diversification is not about holding many funds. Owning fifteen European equity funds diversifies nothing — they fall together. Genuine diversification means spreading capital across asset classes that respond differently to the same events. That decorrelation is what protects a portfolio during a market shock.
Constellation Patrimoine builds allocations across equities and currencies, bonds and fixed deposits, gold and precious metals, real estate and, for suitable profiles, a measured exposure to digital assets. Each class plays a defined role: performance driver, shock absorber, inflation hedge or income source. The allocation is never the starting point — it follows from an objective and a time horizon agreed with you.
Beyond standard wrappers, we provide access to European contracts offering a legal framework and flexibility well above a domestic policy — particularly relevant for internationally mobile clients.
Luxembourg applies a protection mechanism unique in Europe, the security triangle: policyholders' assets are held by a custodian bank independent of the insurer, supervised by the Commissariat aux Assurances, and legally segregated from the insurer's balance sheet. In addition, the super-privilege ranks the policyholder as a first-priority creditor should the insurer fail — ahead of the State and employees, with no compensation ceiling.
The Luxembourg contract also allows multi-currency holdings (euro, US dollar, Swiss franc, sterling) and access to dedicated internal funds, enabling genuinely bespoke portfolio management rather than selection from a closed list. Finally, Luxembourg applies tax neutrality: taxation follows the policyholder's country of residence. For anyone likely to relocate, this avoids having to surrender the policy when moving — a decisive advantage for international wealth.
Where a life insurance policy imposes a contractual framework, a Swiss bank account offers complete investment freedom. Three features set it apart.
No taxation at account level. Unlike an insurance wrapper, a bank account generates no taxation of its own: there is no wrapper-level tax and no minimum holding period required to obtain favourable treatment. You are simply taxed according to your country of residence, where the account must be declared.
Exceptional investment flexibility. The investable universe is global and unrestricted: ETFs, direct securities, bonds, private equity, tailor-made structured products, club deals and commodities — in Swiss francs, US dollars, euros, sterling or yen. You trade freely, without the closed fund lists typical of insurance contracts.
The excellence of Swiss private banking. The leading financial centre outside the European Union, Switzerland combines legal and monetary stability, banking strength and a standard of service that remains the global benchmark in wealth management. It also diversifies jurisdictional risk, complementing a Luxembourg contract.
| Criterion | French policy | Luxembourg policy | Swiss bank account |
|---|---|---|---|
| Entry level | Low | €250,000 | €300,000 |
| Investment universe | Closed fund list | Dedicated internal funds | Global, unrestricted |
| Multi-currency | Rare | Yes | Yes (CHF, USD, EUR, GBP, JPY) |
| Wrapper-level taxation | French regime | Tax neutrality | None at account level |
| Specific protection | Capped guarantee | Security triangle + super-privilege | Swiss banking strength |
| Relevance if you relocate | Limited | Strong | Strong |
Constellation Patrimoine operates on an open-architecture basis and accesses major international asset managers directly — including Pictet, Goldman Sachs, Fidelity, Franklin Templeton and Arkéa — alongside banks, insurers, brokers and private equity funds.
The key word is "directly". Every additional intermediary between you and the asset manager adds a layer of fees that mechanically reduces net performance, year after year. Direct access means fewer fees and a genuinely independent selection: we have no in-house products to place and no imposed sales targets. Fees are disclosed at the first meeting.
This is what separates Constellation Patrimoine from a product distributor. Portfolio management is led by Mevlana Yildirim and the firm's team, supported by a dedicated financial research capability tracking economic and geopolitical developments.
In practice this means three commitments. Speed of execution: under a discretionary mandate we can rebalance an entire portfolio in under twenty-four hours when market conditions require it. Full transparency: performance is available in real time in your client area. Structured monitoring: a review is held every quarter, since some investment and optimisation strategies only deliver over time. Our aim is active, monitored and explained management, targeting solid and consistent long-term results.
| Profile | Recommended horizon | Volatility | Dominant asset classes |
|---|---|---|---|
| Cautious | 2 to 4 years | Low | Bonds, fixed deposits, euro funds |
| Balanced | 5 to 8 years | Moderate | Equities, bonds, real estate, gold |
| Dynamic | 8 years and beyond | High | Equities, currencies, alternatives |
Constellation Patrimoine is based in Paris, at 11 Avenue de Friedland, and our international office — Mevlana Investments LLC — is based in Dubai. We also maintain a presence in Singapore and work with strategic partners in Luxembourg, Switzerland and the United States.
This structure allows us to support internationally mobile clients on both sides: expatriates living in France, non-residents holding French assets, and Gulf-based investors seeking European exposure. Advisory activity in France is carried out by Constellation Patrimoine, registered with ORIAS under no. 101280329.
Written by Mevlana Yildirim, founder of Constellation Patrimoine, Financial Investment Advisor (CIF), registered with ORIAS under no. 101280329. Offices at 11 Avenue de Friedland, 75008 Paris, and an international office in Dubai (Mevlana Investments LLC). First consultation free of charge. General information only — this does not constitute personalised advice.
For portfolio management we work from €50,000. Certain premium wrappers have their own entry level: €250,000 for Luxembourg life insurance and €300,000 for a Swiss bank account. General wealth advisory and real estate support have no minimum.
It is a life insurance contract issued by a Luxembourg company, offering enhanced policyholder protection through the security triangle and the super-privilege, multi-currency management and access to dedicated internal funds. It suits portfolios from €250,000, and is especially relevant for internationally mobile clients since taxation follows the country of residence.
Yes — that is one of its main advantages. Luxembourg applies tax neutrality, meaning the tax treatment follows your country of residence rather than the country of issue. You generally do not need to surrender the policy when relocating, unlike a domestic contract, which often has to be closed with adverse tax consequences.
Under an advisory arrangement we recommend trades and you decide whether to execute them. Under a discretionary mandate you delegate portfolio management within a framework agreed with you — profile, horizon, constraints — allowing us to act in under twenty-four hours when markets require it. In both cases you remain the owner of the assets and set the framework.
Yes. Constellation Patrimoine advises English-speaking residents of France, expatriates and non-residents holding French or European assets. Our Paris office is complemented by an international office in Dubai, Mevlana Investments LLC, and by strategic partners in Luxembourg, Switzerland and the United States.
They are set out in full at the first meeting, before any commitment. Because we operate on an open-architecture basis and access asset managers directly, we avoid the additional fee layer introduced by extra intermediaries. Fee transparency is one of the firm's three founding principles.
Take advantage of an initial exploratory interview to assess your financial needs and find out how we can help you.
01Let's work together to establish the terms of our partnership, proposing personalised solutions tailored to your financial situation.
02Dive into exciting investment opportunities and grow your money to achieve your financial goals with confidence and success.
03