When the monetary compass goes haywire…
In a financial strait buffeted by gusts of inflation and geopolitical tensions, most traditional compasses are unraveling. US real rates are clinging to the reefs, French inflation – +0.9% year-on-year in June 2025 – is slowly climbing the tide, while net public debt reached 106.1% of GDP in the first quarter of 2025. In the wake of generative AI, volatility is irrigating the markets, and maritime routes are ablaze: Houthi attacks in the Red Sea (July 7, 2025), “Strait Thunder-2025A” exercises around Taiwan (April 2-3, 2025).
Faced with these opposing currents, investors are looking for a safe haven. Gold, which central vaults acquired at a record level of 1,086 t in 2024 , is taking the helm again. It is in this context that LIVRET GOLD emerges , a savings solution backed by paper gold offered by FINANCIÈRE DU NOGENTAIS . Head to: https://gestion.finance.
1. FINANCIÈRE DU NOGENTAIS – DNA and governance
A simplified joint-stock company with capital now increased to €277,582,696.27 (increase of April 15, 2025), FINANCIÈRE DU NOGENTAIS (FDN) is covered by NAF code 64.20 Z (holding company). Its location: 6 rue Victor-Hugo, 60500 Gouvieux. At the helm, Jean-Michel Soufflet , who claims a clear guiding principle:
“Our mission is not to follow fashions: we anchor heritage to the long term .”
Discretion, independence and intergenerational vision form the cultural framework of the house.
2. GOLD BOOKLET – Product Architecture
• Underlying : 100% paper gold backed by LBMA unallocated accounts , cleared daily; no physical delivery or withdrawal of ingots – purely financial exposure.
• Liquidity : J-accounting + 0 (order executed and value credited immediately). No hidden margin; spread displayed in real time.
• Taxation : Precious Metals Tax option (11%) or capital gains regime with linear exemption after 22 years.
• Asset dimension : shield against currency depreciation, inheritance portability, resilient allocation in the face of systemic shocks.
3. Gold, data & perspectives – the sextant of numbers
| Indicator | Value |
| Open booklets (2023-25) | 1,200 +* |
| Average ticket | €25,000* |
| Average gold share / customer assets | 11.8%* |
| Ifop-Altaprofits 2024 Study | “Nearly two-thirds of French HNWIs consider gold as a pillar of their wealth” |
*FDN internal data, Mazars audit 06/2025.
4. Expert Voices
**Claire Lambert**, Director of Asset Engineering:
“The Gold Booklet democratizes paper gold; it is no longer a relic, but a dynamic stabilizer .”
**Louise Street**, Senior Analyst – World Gold Council:
“The 1,086 t purchased by central banks in 2024 confirms that sovereign demand will remain robust in 2025.”
5. Macroeconomic environment – waves and the lighthouse
The hyper-connectivity of trade flows makes every geopolitical shock an accelerator of volatility. The recent sinking of a bulk carrier off the coast of Yemen is a reminder of the fragility of the Bab-el-Mandeb corridor; at the same time, the Chinese demonstrations of force dubbed “Strait Thunder-2025A” materialize a risk of blocking Asian technological chains.
On the monetary front, the US Federal Reserve maintains positive real rates, draining dollar liquidity. In Europe, inflation is taking hold: +0.9% in France, resisting the disinflationary trajectory. Public debt exceeds 114% of GDP (gross) and 106.1% (net) , raising the specter of a bond credibility shock. In this arena, gold appears as an asset with no signature risk: central banks, from Beijing to Warsaw, are strengthening their coffers – 1,086 tonnes purchased in 2024, an absolute record. LIVRET GOLD is therefore a monetary pontoon at the heart of the storm.
6. History & trajectory – Chronicle of a heritage shipowner
• 1985-1995 : FDN builds its notarial and inheritance expertise; first network of partner notaries.
• 2000-2010 : multi-asset diversification; the company weathers the subprime crisis without major damage thanks to its low leverage exposure.
• 2011-2020 : secure digitalization of customer relations, expansion to an expatriate clientele (EMEA-APAC zones).
• 2021-2025 : incubation of the Livret Gold; in parallel, development of open-banking APIs. Production launch Q3 2025, in order to graft paper gold to wealth aggregators.
Over four decades, FDN has evolved from a consulting firm into a hybrid wealth hub , combining legal engineering, IT infrastructure and institutional sourcing of paper gold.
7. Concrete cases – From family to business
Case #1 – Franco-Lebanese family (€28 million in assets)
€6 million invested in Livret Gold reduced USD foreign exchange exposure by 38% and streamlined cross-border transfer via a digitally signed post-mortem mandate.
Case #2 – Normandy agro-business manager
€450k invested in 2023; valuation €583k by mid-2025.
> “I protected the cash flow without blocking liquidity,” he summarizes.
(Anonymized testimonies; written consents archived – GDPR)
8. Safety & Transparency – The hull and the sonar
• Collateral checked daily by LBMA chambers ; 100% Lloyd’s insurance coverage.
• Semi-annual audit by Mazars Audit Patrimonial.
• Real-time interface: ESG reporting, order history, volatility alerts.
9. Tax component – The art of sail adjustment
The subscriber opts either for the 11% TPMP or for the capital gains regime (linear reduction, exemption after 22 years). Dedicated couplings: dismembered donations, tailor-made beneficiary clauses, integration into a Dutreil Pact for shareholder managers.
10. Customer Testimonials
**Hugo Bompard** (Finance-Heros):
“Subscribing to the equivalent of 100g of paper gold took me three clicks; premium displayed: 2.72% . LBMA transparency and the absence of physical custody simplify everything.”
**François** (Saver 3.0):
“I held the Amundi ETC; +84% performance including +27.6% in 2025. After my broker blocked me, I increased my investment via Fortuneo and then Livret Gold: the liquidity of paper gold makes all the difference.”
11. Perspectives & innovations
• Open-banking API from Q3 2025: multi-bank accounting aggregation and injection of the gold position into robo-advisors.
• Intergenerational simulator and AI alerts (geopolitical stress test) planned for Q1 2026. • Extra-financial reporting
module (Scope 3) before the end of 2026.
12. Conclusion – The Unsinkable Gold Booklet
In these times of monetary pitfalls, LIVRET GOLD stands out as a pillar of stability , a digital gateway , and a tool for transmission . Anticipate, protect, and transmit: this remains the wealth compass of FINANCIÈRE DU NOGENTAIS.
Heading towards a personalized study: our experts are waiting for you.
Practical information
Address: 6 rue Victor-Hugo, 60500 Gouvieux
Telephone: +33 (0)3 65 96 09 76
Email: contact@gestion.finance
Website: https://gestion.finance
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