In these times of galloping inflation, fees, which eat away at the performance of savings products, are a hot topic.
This is particularly true in life insurance where the punctures of all kinds - management, arbitration, retrocessions - cost 2 to 3% return per year to savers.
On June 1, the costs of life insurance contracts and retirement savings plans will be comparable with each other, in a few clicks.
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But in the meantime, there are already ways to limit this cost within your contract: subscribe to ETFs, funds that replicate the performance of stock market indices (CAC 40, DAX, MSCI World, etc.).
They can be taken out via any bank or broker (they are purchased like a share) or via life insurance contracts or specialist PERs (Yomoni, Nalo, WeSave, Ismo, etc.).
On these media, management fees are reduced to the bare minimum, around 0.25% per year, compared to the 1.5 to 2% levied on traditional funds...
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