the return on funds in euros contract by contract and the ranking of the best contracts – Mingzi
Life insurance rates 2020: the latest rate of return announcements
Aviva
Aviva sets the 2020 rate of return on its main life insurance contracts (Aviva Epargne Plurielle and Norwich Libre Choix 2) at 1.00%.
Norwich Libre option 2 earns 1.41% and International Selection 3 pays a rate of 1.05%.
The PER Aviva Retraite Plurielle Madelin and Aviva Retraite Plurielle Individuelle contracts are remunerated at 1.25%.
BNP Paribas
BNP Paribas bank announces a 2020 rate of 1.00% to 1.20% for its Multiplacement and Multiplication 2 contracts. The BNP Paribas Avenir Retraite PER is remunerated at 1.00%.
Boursorama
The Boursorama online bank pays a 2020 rate of 1.43% on the Exclusive euro fund and 0.90% on the Eurossima fund of its Boursorama Vie contract.
Matmut
While waiting for the launch of its new life insurance range, Matmut has given the rates of return on its contracts closed to marketing. Matmut Vie Epargne therefore pays a 2020 rate of 1.35% and Matmut Vie Générations a rate of 1.10%.
Savings bank
The Savings Bank remunerates its contracts in the Millevie range (Initial, Essential) at the rate of 0.80% for 2020. The only top-of-the-range Millevie Infinie contract is slightly better remunerated with 1.15%.
Pro construction
Mutual Pro BTP announces a 2020 rate of 1.16% for the euro fund of its Epargne Confiance range, bringing the average annual return on its contracts over the last 8 years to 2.30%.
Generali
The 2020 rates of return on Generali Vie’s euro funds are falling, in line with a context of structurally low interest rates that the health crisis has only accentuated. In this environment, Generali indicates in its press release that it is reassured « in its very prudent management policy in order to protect over the long term. the interests of its policyholders ”.
Thus, the General Assets Generali Vie (AGGV) yielded only 0.80% in 2020 (against 1.00% in 2019). Eurossima and Netissima serve a 2020 rate of 0.90% and 1.40% respectively. These funds in euros are present on the contracts of banks and online brokers such as Power Selection at Assurancevie.com.
The Innovalia real estate fund in euros is remunerated 1.70%, the Elixence fund 1.30% and the G. Firma fund 1.05%.
Aviva
AssuranceVie.com, online broker, uses on its Evolution Life contract, insured by Aviva, a 2020 rate of 1.41 to 2.82%. To access this fund in euros, you must pay a minimum of € 30,000 and 30% in units of account.
Societe Generale
The 2020 rates of return on certain Société Générale contracts have fallen, bringing them well below the 1% mark: Erable Essentiel and Sequoia offer compensation of between 0.75% and 1.20%. The rate distributed on the Ebène contract is 1.15% and 1.20% on the Ebène Private Banking contract.
The postal bank
The 2020 rates served by La Banque Postale may fall, depending on the contract, to 0.70%, like the Vivaccio contract. The high-end Cachemire 2 contract is a little better off with a rate that can vary from 0.95% to 1.90%, as well as Cachemire Patrimoine for which the rate varies from 1.05% to 2.10%.
Direct placement
The Darjeeling contract of the Placement-direct online broker, insured by Swiss Life, serves a 2020 rate of between 1.10% to 2.70%, depending on the portion invested in unit account.
Hello Bank
BNP Paribas’ online bank pays its Hello Life Insurance contract at 1.00%.
AG2R La Mondiale
On its Mondial Vivepargne 2 and Vivepargne 2 contracts, the mutual company pays a rate of 1.00% and a rate that can vary from 1.05% to 1.77% for Terre de Vie. The average remuneration for La Mondiale’s contracts for 2020 thus amounts to 1.55%.
“The context of negative long-term interest rates throughout the year automatically leads to a drop in the return on La Mondiale’s general assets and further requires long-term management of its solvency. By reducing the 2020 average return on its contracts by only 0.18%, La Mondiale is still offering its policyholders attractive compensation. The additional bonuses make it possible to support those who wish to diversify their investments by investing in more volatile and risky markets, in particular via funds managed within the Group which have outperformed funds in euros on an annualized average over 5 years. In addition, the stock of provisions for participation in La Mondiale’s surpluses, ie 4% of outstandings in euros, constitutes protection for returns in the years to come. »Comments André Renaudin, the Managing Director.
Mutual Amplifier
The mutual company pays a 2020 rate of 1.70% on its Multisupport Ampli Grain 9 contract, insured by the MiFID.
Spirica
Spirica’s New Generation fund in euros, present in particular on the life insurance contracts of online brokers, yields 1.65% in 2020 on Linxea Spirit 2 and Mes-placements Liberté 2 contracts. This fund in euros only guarantees capital. » up to 98% and is only accessible on condition of paying at least 75% in units of account.
Madder
The mutual Garance, which served last year the highest rate of return on the market for a classic euro fund (3%), announced a 2020 rate of 2.75%, once again one of the highest rates. high. This performance is explained by low management fees (0.50%), and also by the absence of reserves (the entire performance is thus returned to the member).
LCL
LCL has served a 2020 rate that may vary from 1.05% to 1.85% depending on the portion invested in units of account on its LCL Vie contract.
The private management contract, Acuity Evolution, is a little better remunerated with a rate between 1.20% and 2.00%.
On the PER LCL, the rate served is 1.70%.
Agricultural credit
Crédit Agricole’s consumer contract, Predissime 9 Series 2, yields only 0.65% in 2020 (after 0.85% in 2019), i.e. the equivalent of the remuneration of the Livret A once social security contributions have been deducted. The high-end contract, Floriane 2, is a little better served, with a rate that can vary from 1.05% to 1.85% depending on the portion invested in units of account.
The bank has clearly focused on its PER which sees its remuneration increase by 0.10 point compared to last year, to 1.70%.
BNP Paribas Cardif
BNP Paribas has served a 2020 rate that can vary from 1.00% to 1.20% on its Multiplacement 1 and 2 and Multiplacement Privilege contracts (against a range of 1.00% to 1.40% in 2019).
On the CGP side, the Cardif Multiplus, Cardif Essentiel and Cardif Elite contracts bring in 1.20% in 2020 (compared to 1.37% in 2019).
Swiss Life
In a sustainable context of low interest rates, Swiss Life has decided to maintain its rate of return policy with regard to its clients and announces, for its life insurance contracts in the Strategic range, a 2020 rate of return, net management fees of between 0.80% and 2.70% depending on the portion invested in units of account and the status of the client. Private Banking clients benefit from an increased rate of 0.2 point and could claim the rate of 2.70%, provided they invest more than 60% of savings in units of account.
“In a sustainable environment of low interest rates and the context of an unprecedented health and economic crisis, it is a question of seizing investment opportunities offering real long-term profitability. This is why we are maintaining our interest rate policy with regard to our savers to encourage them to invest more in units of account, with a bonus revised upwards. »Declared Éric Le Baron, Managing Director of SwissLife Assurance et Patrimoine and Director of Distribution.
The conservative
The 2020 rate paid on Helios Patrimoine and Retirement Savings contracts is 1.85% on average. It can vary from 1% to 2.5% depending on the unit-linked portion and the amount invested. To obtain the maximum rate, an outstanding amount of more than 150,000 € was needed and more than 70% of units of account.
« The financial management of the Custodian and the strategy pursued for nearly 15 years in terms of diversification into unit-linked accounts make it possible to benefit from participation rates in the net profits served on funds in euros which are attractive with regard to the life insurance market. . In 2020, this strategy and the constant confidence of our Members have made it possible to continue the growth dynamic that Le Conservateur has known for almost 20 years. »Indicates Gilles Ulrich, Chairman of the Management Board.
SMA
The Batiretraite Multicompte and Batiretraite 2 contracts of the SMA mutual fund yield 1.10% in 2020.
Future
Suravenir has announced the 2020 rate of return for its euro funds.
Regarding contracts marketed by the Crédit Mutuel Arkéa and Arkéa Banque Privée networks:
- NaviG’Options: 1.20% (Arbitration mandate) / 0.50% (Free management)
- NaviG’Patefeuille: 1.30% (Arbitration mandate) / 1.00% (Free management)
- Excelcius Vie: 1.45% (Arbitration mandate) / 1.15% (Free management and + 0.30%, i.e. 1.45%, if the outstanding amount of the contract is at least 50% invested in UA)
Regarding contracts marketed by wealth management advisers (PMC):
- Vie Plus assets: 1.75% (Arbitration mandate) / 1.00% (Free management and + 0.50% i.e. 1.50% if the contract is at least 50% invested in UA)
Regarding contracts marketed on the Internet:
- Fund in euros Suravenir Opportunités: 2.00%
- Fund in euros Suravenir Yield: 1.60% (Arbitrage mandate) / 1.30% (Free management)
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These funds are available in particular on life insurance and / or capitalization contracts marketed by Altaprofits (Digital Vie), assurancevie.com (Power Avenir), CPS (Mon Projet Retraite Vie), Cyrus Conseil (moncapital Vie), Epargnissimo (Croissance Avenir), Fortuneo (Fortuneo Vie), Grisbee (Grisbee Vie), Hedios Patrimoine (Hedios Life), LINXEA (LINXEA Avenir), mes-placements.fr (Mes Placements Avenir), MeilleurPlacement (M Retraite Vie), Oney Bank (Assurance-Vie Oney), Patrimea (Ethic Vie), Prefon (Préfon-Vie Responsible), WeSave (WeSave Patrimoine – available: Suravenir R Return only), Yomoni (Yomoni Vie).
Regarding the SéréniPierre contract marketed by Primonial:
- Fund in euros Security Pierre Euro: 2.50%
- Funds in euros Security Flex Euro: 1.40%
- Fund in euros of general assets: 1.00%
“In the current context and taking into account an interest rate environment still falling this year and probably lastingly negative, we have chosen, once again this year, to significantly increase our profit-sharing provision. This storage is a guarantee of safe and lasting future returns for all of our policyholders. The performances served on our funds in euros are down compared to the previous year, but we continue to offer well-positioned returns in our various market sectors ”indicates Bernard Le Bras, Chairman of the Management Board, in his press release.
Allianz
The new Allianz Vie Fidélité contract, accessible from € 30,000 and for which the earnings from the fund in euros are only available after 5 years, yields for its first year of marketing between 2.58% and 2.78 % (depending on fees).
The Yearling Vie and Multi Epargne Vie contracts, now closed for sale, return on average 1.35% and 1.04% respectively.
AXA
AXA serves a rate of return of 1.20% to 1.60% depending on the portion invested in units of account. To benefit from a bonus, you need a minimum investment of 40% in units of account. For clients who have invested within the framework of managed management, the fund in euros is remunerated 1.60%.
The Eurocroissance fund, for which the capital is only guaranteed after 8 years, returns 2.60%.
The fund in euros of AXA Thema contracts, distributed by the CGP, yields only 1% and is only accessible from 60% of units of account.
Agipi
The fund in euros of the Cler contract, insured by AXA, is remunerated at 1.30% in 2020 (against …
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