The Limited Times

Now you can see non-English news...

How to diversify your lower risk life insurance

2020-02-18T16:26:55.446Z


OUR ADVICE - Investments that are both guaranteed and effective no longer exist. But multiple possibilities exist to diversify your contract, without taking excessive risk. Le Figaro offers six solutions.


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"

This article is for subscribers only. You still have 91% to discover.

Subscribe: € 1 for 2 months

cancellable at any time

Enter your email

Already subscribed? Login

Source: lefigaro

All life articles on 2020-02-18

You may like

Trends 24h

Life/Entertain 2024-03-28T17:17:20.523Z

Latest

© Communities 2019 - Privacy

The information on this site is from external sources that are not under our control.
The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.