For thirty years, a miracle investment made the heyday of savers. All you had to do was invest your savings in the euro fund of your life insurance policy to benefit from a capital guarantee, permanent liquidity and a return well above inflation. But this golden age is well and truly over, with an average rate falling from 7% in the early 1990s to less than 1.50% in 2019.
Read also: Life insurance hardly pays any more
"It's a shame to be satisfied with the euro fund, while life insurance offers an extraordinary range of opportunities," insists François Leneveu, co-founder of the broker Altaprofits. Commercial real estate, high yield bonds, new management methods… There are many alternatives. But you have to agree to no longer invest in 100% secure investments.
1. OPCI: real estate returns
"Excluding funds in euros, 30% of the collection made in life insurance by our wealth management adviser partners is directed to real estate supports"
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