Savers can rub their hands together. The euro fund of their life insurance policy is back on track. The first rate announcements for 2023 are around 3% for a large number of players: Garance at 3.50%, La France mutualiste at 3.70%, MACSF and Generali at 3.10%, GMF Vie at 2.80%, Milleis Vie at 2.75%...
In 2020 and 2021, this flagship savings investment, which is guaranteed with a lump sum, yielded a meagre 1%. Those days now seem to be over. "Remuneration is going to be remarkable this year," says Antoine Delon, president of broker Linxea. Insurers are making efforts to remain attractive in a rapidly changing interest rate environment. And that's good news for savers."
Read alsoLife Insurance: Finally a Rate Hike for Savers
Yield increases were of the order of 0.8% year-on-year. Last year, the euro fund returned an average of 1.9% (before social security contributions of 17.2%). For 2023, average yields are expected to fluctuate between 2.5% and 2.7%, according to Good Value for Money's forecasts...
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