The Cru 2021 of the returns of these investments conceal some good surprises. Here are the contracts that offer the best performances and others.
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Life insurance cash shock! Despite negative interest rates, which penalize the fund in euros, and the health crisis, which had prompted investors to favor long-term savings booklets in 2020, the envelope is good. The year 2021 was rather carrier.
First, life insurance seems to have found the favors of the French. The first eleven months of the year, the net collection increased to 21 billion euros, while it was negative in 2020. Another reason for satisfaction for the profession: the insured persons have favored the units of account, These unsecured media for investing in the stock market, real estate or investments more exotic … While these supports represent only 25% of the outstanding life insurance, they attracted 38% of the payments in 2021. a sacred Bond ahead!
Winning combination
On the other hand, withdrawals were predominantly on the fund in euros. Less money between and more that comes out: it is the winning combination for insurers who avoid investing in new bonds, poorly paid at the moment. To this panorama, we must add carrier equity markets, which have contributed positively, although in a limited way, to the performance of the guaranteed assets, the general assets of a fund in euros including a more or less important part of Investments sensitive to the evolution of scholarships.
Result, the first 2021 yield rate announcements show a good performance. The mutual insurance of the French health corps (MACSF), the first to take itself to the exercise, surprised everyone by revealing a remuneration of its general asset at 2.10%, compared with 1.55% in 2020 . The MACSF explains its performance by a good diversification of its investments, especially in unlisted companies, which represent 8% of the portfolio.
Other size announcement: The group spoke of a stability of this level of rate over time. “We are confident about our ability to maintain this performance over the next five years,” said Stéphane Dessir, General Manager of the MACSF Group. Our reservations could help us in case of adverse markets. “These amount to about two years of performance. Another actor also increases its rates, even if the figure is less flamboyant: it is the Mutual Smavie BTP, which serves 1.50%, compared to 1.10% in 2020.
Less surprises in other managers, but the trend remains quite positive while the specialized Good Value for Money anticipated, in the summer of 2021, a decrease of 18 cents of the average rate served on the funds in euros, either An average rate of 0.90% for individual retirement contracts. Thus, the French Savings and Retirement Association, a market reference with its 753,000 members, announced a rate of 1.70%, identical to that of 2020. Two other well-known saver associations make slightly better, Despite slightly decreased yields: ASAC-FAPE (1.80%, down 0.05 points) and gapara (1.80%, down 0.10 point).
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