1.28%, precisely: this is the average return on life insurance funds in euros according to the banking and insurance policeman, the ACPR. An average rate compared with an average of 1.83% in 2018 and 1.46% in 2019. And this reference authority does not foresee the beginnings of a potential rebound …
From the top of the 2.91% average return in 2012, the fall is dizzying for euro funds! The average revaluation rate published on July 26 by the Prudential Control and Resolution Authority (ACPR), the sector policeman, is the one valid for the entire profession. TO 1,28%, the average rate for funds in euros is thus slightly lower than announced by the Federation of Insurers (1.3%) a few months ago.
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Perspectives still so gloomy
Should we hope for a little better? Rebound? A slowdown? The ACPR’s analysis does not encourage optimism, pointing to a downward trend that could continue. The banking policeman explains that the gross return on the assets of funds in euros (excluding insurers’ fees and other elements linked to the determination of the rate) is also falling: it stands at 2.6% in 2020, after falling below the bar. 3% 4 years ago.
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Insurers therefore still have a slight margin, but it narrows year after year, and the ACPR anticipates a drop of 0.15 point in the gross return on the total assets of funds in euros, each year, when the next 10 years … The authority thus points out the future difficulties of insurers levying low costs, or boosting the performance of their fund without having a significant financial margin. In short: the outlook was already bad for euro fund rates, and they remain so.
Life insurance: what rate for euro funds in 2021?
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