February 2025 Product Update

🥇 Finary Life: A historic launch

Life insurance is the go-to investment solution, with €2 trillion in assets and 18 million policyholders in France. Our new Finary Life policy, insured by Generali, combines simplicity, performance, and low fees. The launch was a massive success—it’s one of the best starts in Generali’s history in terms of contracts opened. A huge thank you to all of you.

With Finary Life, you get:

• A tailor-made investment strategy co-designed with BlackRock, the world leader in asset management
• A diversified allocation across geographies, sectors, and asset classes
• A fonds en euros delivering a maximum yield of 4.6% net¹ in 2025²

To celebrate this launch, our profiled management fee is just 0.95% per year, all-inclusive. This covers the policy fees, unit-linked (UC) fees, and euro fund fees. Unlike other providers, we communicate all-in fees—no hidden costs, no surprises. Concretely, if you choose the Adventurer profile, here are the fees you will pay:

• iShares ETF fees: 0.25%
• Generali management fees: 0.5%
• Finary fees: 0.2%

Initially planned until March 15th, we’ve decided to extend this offer until April 1st. After that, fees will be:

• 0.99% for Finary Plus/Pro members
• 1.19% for Finary Lite members
• 1.29% for others

Prefer to manage your life insurance yourself?‍

Good news—we’re already working on a self-directed option. You’ll soon be able to choose from 100+ ETFs, active funds, SCPI, private equity, and euro funds. You’ll also have the flexibility to switch from profiled management to self-directed management anytime. And, of course, we’re keeping fees ultra-low, in true Finary fashion. More details coming soon.

📊 Wealth Tracking: A smarter, faster experience

Many of you discovered Finary through our wealth tracking feature. We firmly believe that you can’t improve what you don’t track, which is why we’ve been working tirelessly since 2020 to automate and optimize wealth tracking.

Recently, our team took on a major challenge: improving the two core pillars of this experience—synchronization and data accuracy.

We’ve added Trade Republic integration via Powens. Reconnect your account, and you’ll now see your checking account alongside your securities account on Finary. (PEA accounts aren’t available yet, but Powens is already working on it.)

Another new feature : Due to DSP2 regulations, banks require re-authentication every 180 days. You’ll now receive advance notifications in the app and on the web so your data stays fresh. 

On top of that, we’ve squashed over 50 issues based on community feedback, including:

• Missing transaction history
• Accounts not updating properly
• “Ghost” accounts that couldn’t be deleted
• Never-ending synchronizations
• Etc.

On the crypto side, we’ve also enhanced support for staking on Solana and the option to hide dust balances.

Data-wise, we’ve rebuilt a large part of our data infrastructure to bring you fresher data, more accuracy, and even more relevant insights.

This is just the beginning. Over the next few months, we’re doubling our team size to move even faster. Plus, we’re working on highly requested tracking features, set to launch soon.

Want a sneak peek? Check out our public roadmap to see what’s coming next.

☝️ Join the adventure!

The Finary team keeps growing! We are currently hiring for multiple positions, including:

• Fullstack Engineer
• Software Engineer
• Revenue Operations Manager
• Videographer
• Wealth Advisor
• Senior Product Manager
• Customer Care Specialist
• And more

Feel free to apply or forward the job descriptions to your friends!

Finally, don't forget to unlock the full power of Finary with Finary Plus.

No more time lost every week on spreadsheets. No more complex calculations and headaches to understand the hidden fees behind your investments. Get everything Finary has to offer for a flat fee.

Thanks for reading this newsletter. Follow me on X and Instagram for exclusive content & a sneak peek of upcoming features.

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¹Excluding social security contributions and taxes. Net 1.6% boost on the profit-sharing rate for payments made between January 28 and June 30, 2025, on the Netissima fund for the years 2025 and 2026. Requires a unit-linked investment (UC) rate of at least 50%. Contributions must not come from a redemption of a Generali contract or from a PACTE transfer.

Past performance is not indicative of future results and is not constant over time

‍²Excluding social security contributions and taxes.

The e-vie life insurance contract is an individual life insurance policy, denominated in euros and/or unit-linked investments, insured by Generali Vie, a company governed by the Insurance Code.

Finary SAS, a member of the National Chamber of Wealth Management Advisors, has a share capital of €1,625,000 and is registered with the Paris Trade and Companies Register under number 892 357 724. Its headquarters are located at 58 rue de Monceau, 75380 Paris 8. Finary SAS operates as a Financial Investment Advisor (CIF) and Insurance Broker, registered with Orias under number 21001279, and is a member of the National Chamber of Wealth Management Advisors, an association accredited by the French Financial Markets Authority (AMF), with financial guarantees provided by Assurances Mutuelles MMA IARD.

iShares and BlackRock are registered trademarks of BlackRock Finance, Inc. and its subsidiaries (“BlackRock”) and are used under license. BlackRock makes no representations or warranties regarding the suitability of investing in a product or using a service offered by Finary. BlackRock has no obligations or liabilities regarding the operation, marketing, trading, or sale of any product or service offered by Finary.

Investing may carry risks, particularly of capital loss (more or less significant depending on the nature of the investment) and no guarantee of performance, but may offer the prospect of higher returns in return for these risks.