The text identifies several traditional financial instruments, including life insurance contracts, term deposits, balance sheet products (such as Livret A and LDDS) and substitute instruments. These instruments are essential for understanding the differences with atypical investments.

The Fonds de Garantie des Assurances de Personnes provides coverage of up to EUR 70,000 per insured person per insurer. This information is crucial for understanding the protection available to savers in the event of insurer default.

The Livret d'Epargne Populaire has offered a rate of 2.7% since that date. This information is important for understanding the tax advantages and rates offered by regulated savings products.

Unit-linked contracts allow investment in UCITS, equities or bonds with a risk of capital loss. Unlike euro-denominated contracts, they do not guarantee the invested capital.

Substitute instruments such as diamonds offer no capital guarantee and do not benefit from any deposit guarantee scheme. They also present limited liquidity and opaque valuation.

This question distinguishes traditional financial instruments (with guarantees) from substitute instruments (without guarantees). Life insurance contracts are traditional, while diamond investments are substitute instruments.

The savings fund centralises a significant portion of funds collected through products such as the Livret A and the LDDS to finance social housing and SMEs. This illustrates the social and economic impact of these savings products.

Balance sheet products refer to regulated savings products whose terms are set by public authorities and whose funds remain on the banking institution's balance sheet. Examples include the Livret A and the LDDS.