The "Smart Pac", the smart savings plan, is a simple variant of the classic Pac: it indeed provides for additional contributions to be made in certain market downturn situations, usually a multiple of the monthly installment of the base plan. The main function of this variant is to take advantage of temporary dips without taking on overly speculative positions, and significantly lower the average cost of one's investment. It is possible to download the documentation related to the Smart Pac in the DOCUMENTS section available on the website.