In the short term, guaranteed euro life insurance funds are expected to deliver, on average, only a meager 1% return.
If they remain essential to invest safely, they are no longer sufficient to hope to get rich, since they barely cover inflation.
The solution?
Diversify by accepting a dose of risk.
It remains to be seen how ...
1 - Can my advisor help me?
Having a competent interlocutor in front of you, attentive and, above all, whose remuneration is independent of the investments it promotes is obviously the ideal solution.
Unfortunately, we rarely meet them.
This is due to the method of remuneration of these advisers.
Except when they bill their fees, they are remunerated (them or their employer) through payment charges (up to 5%) and discrete commissions paid by the insurer of the contract and the fund management companies in where savings are invested.
They thus receive, each year, from 0.20 to 1.50
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