This guide explains how to retrieve financial data for user investment accounts: current valuations, historical performance, and benchmark data for invest profile categories.
Key Concepts
Valuation Freshness
Financial values are computed daily from data reported by insurers. The date field on current values may not always be today's date. This can happen for two reasons:
- Missing insurer data: the insurer has not yet reported the latest valuation (delays of 1-2 days are common).
- Inconsistent data: the reported valuation was flagged as unreliable (e.g. abnormal performance variation). In this case, the API falls back to the last reliable valuation.
The API always returns the most recent reliable data available. History routes also exclude unreliable data points, so there may be gaps in the financialValues array.
Investment Compartments
A user investment account can hold products in different compartments. Compartments represent separate fiscal envelopes within the same contract.
defaultis the only compartment for life insurance contracts (assurance vie).c1,c1-bis,c2,c3are specific to retirement savings plans (PER).
A PER contract can hold the same product in multiple compartments, resulting in separate valuations for each.
Relative Performance
In history routes, performance and gain values are relative to the first data point of the returned series, not absolute. This allows you to measure cumulative return over the requested period, regardless of when the investment started. However, amount, investedAmount and repurchasedAmount are absolute values at each date.
Current Values
Use List Product Current Values to display the latest account snapshot, or Get Product Current Value for a single product in a given compartment. Both routes return the most recent reliable valuation (see Valuation Freshness).
Financial History
Use Get Account Financial History to build a performance chart aggregating all products in the account, or Get Product Financial History for a single product, with an additional investmentCompartment field on each entry.
Both routes accept optional periodStart and periodEnd parameters (YYYY-MM-DD format). If omitted, the period defaults from the contract subscription date to today.
The granularity field in the response is daily. The API returns one data point per day within the requested period.
Invest Profile Category Performance
Get Invest Profile Category Performance History provides benchmark performance data for an invest profile category, independent of any user account.
An invest profile category (e.g. "Intrépide") represents a risk level that persists over time. The actual fund composition behind it — the invest profile — may change as portfolios are rebalanced. For example, "Intrépide" may have had 3 successive invest profiles over the years. This route stitches together the performance of each successive invest profile to produce a continuous performance curve for the category.
It is a public endpoint (no authentication required) with a 1-hour cache. Use it to display reference performance curves for invest profile categories.