In an economic context marked by record French public debt of 114% of GDP and growing geopolitical uncertainties, FINANCIERE DU NOGENTAIS is revolutionizing access to gold with its Livret OZ account, a paper gold investment solution combining simplicity, security, and performance.
A pioneering company with 39 years of expertise
Founded in 1986, FINANCIERE DU NOGENTAIS draws on nearly four decades of experience in asset management. Based in Gouvieux (Oise), this simplified joint-stock company with a share capital of €277,582,696.27 demonstrates remarkable financial strength. Under the chairmanship of Jean-Michel Soufflet, the company has developed unique expertise in innovative investment solutions, positioning the Livret OZ account as a modern response to the wealth protection needs of French savers.
Gold in 2025: An Exceptional Market Environment
The gold market is experiencing unprecedented momentum in 2025. Gold prices have crossed the historic threshold of $3,498 per ounce, recording a spectacular increase of 29.7% over one year. This performance is due to a convergence of favorable factors: international trade tensions, the ECB’s accommodative monetary policy (rates at 2.0% after eight consecutive cuts), and, above all, record purchases by global central banks, which acquired 1,045 tonnes of gold in 2024.
Analyst forecasts remain unanimously optimistic. Goldman Sachs anticipates a price of $3,700 per ounce by the end of 2025, while JPMorgan predicts a rise towards $4,000 by mid-2026. Longer term, some experts project levels of $5,000 to $7,000 around 2030, supported by growing institutional demand and persistent supply constraints.
The OZ Savings Account: The simplicity of a savings account, the performance of gold
The OZ Savings Account represents a major innovation in the world of gold investment. Unlike complex ETFs or difficult-to-access certificates, this product offers the ease of use of a traditional savings account while being backed by the real price of gold. This approach perfectly meets the expectations of the 55 million French people familiar with the Livret A savings account, allowing them to access the protection offered by gold without the technical complexity.
The decisive advantages of paper gold
Choosing paper gold offers considerable benefits over physical gold. No storage fees (savings of €100 to €500 per year), no risk of theft, immediate liquidity allowing transactions in just a few clicks, and above all, perfect divisibility allowing investments from a few dozen euros. The OZ Booklet also eliminates the 2 to 8% purchase premium generally applied to physical gold, thus optimizing returns from the outset.
Optimized taxation to maximize your gains
One of the major advantages of the OZ Booklet is its advantageous tax treatment. While physical gold is subject to a tax rate of 11.5% or 36.2% on capital gains, paper gold benefits from the securities tax regime with a 30% PFU. Better still, when included in a life insurance policy, the tax rate can be reduced to just 7.5% after 8 years of ownership, with annual allowances of €4,600 for a single person and €9,200 for a couple.
A product suitable for all investor profiles
The OZ Booklet is aimed at a wide range of savers. For cautious investors seeking to diversify their assets, it represents an ideal alternative to regulated savings accounts, whose returns struggle to cover inflation. Active savers will appreciate the total flexibility of deposits and withdrawals, allowing them to adjust their exposure according to market developments. As for sophisticated investors, they will see it as an effective hedging tool against systemic risks, in a context where 95% of central banks anticipate a continued increase in global gold reserves.
Effective protection in an uncertain economic environment
Faced with French public debt reaching €3,345.8 billion and interest charges of €67 billion projected for 2025, the search for safe havens is becoming crucial. Gold has historically demonstrated its ability to preserve purchasing power in times of instability. The Livret OZ allows you to benefit from this protection without the constraints of physical gold, offering a modern solution adapted to contemporary economic challenges.
Support from a recognized expert
FINANCIERE DU NOGENTAIS provides its clients with a team of dedicated experts, available at +33 3 65 96 09 76 or by email at contact@gestion.finance. This proximity guarantees personalized support in managing your OZ savings account, with advice tailored to your financial situation and investment objectives.
Exceptional growth prospects
The fundamentals of the gold market have never been stronger. Record demand from ETFs ($38 billion in inflows in the first half of 2025), combined with sustained purchases by central banks (244 tonnes in Q1 2025), create a particularly favorable environment. The National Bank of Poland, the world’s largest buyer with 90 tonnes in 2024, perfectly sums up the appeal of gold: “Gold will retain its value even if someone cuts off the power to the global financial system.”
Conclusion: The ideal time to invest in paper gold
The OZ savings account from FINANCIERE DU NOGENTAIS represents a unique opportunity to combine the security of gold with the simplicity of a savings account. In a context where analysts predict a continued rise in the yellow metal towards $4,000 per ounce, this innovative product offers all the advantages of paper gold: perfect liquidity, reduced fees, optimized taxation, and maximum security.
With 39 years of expertise and share capital of over €277 million, FINANCIERE DU NOGENTAIS supports you in this wealth protection strategy. The OZ savings account embodies the convergence of tradition and innovation, offering French savers democratized access to the ultimate safe haven.
To open your OZ savings account and benefit from the expertise of FINANCIERE DU NOGENTAIS:
Website: https://gestion.finance
Phone: +33 3 65 96 09 76
Email: contact@gestion.finance
Address: 6 rue Victor Hugo, 60500 Gouvieux
Discover the OZ savings account
Don’t wait any longer to protect and grow your savings with the OZ savings account, the paper gold investment solution that combines performance, simplicity, and security.
