has managed management kept its promises?

Formerly the prerogative of wealth management, the managed management of life insurance is becoming widespread and democratizing at high speed. Several dozen contracts, including products open to the general public, now offer it from a few hundred euros and allow savers to diversify their savings without thinking about it. It is in fact a management company which is responsible for distributing savings between the vehicles of the contract, according to a chosen level of risk, then which organizes arbitrations to modify this distribution when it deems it necessary.

Policyholders simply have to choose a risk profile corresponding to their expectations, their time horizon and their situation, then let themselves be carried away. While guaranteed euro funds, which continue to capture more than 60% of the savings invested in this envelope, still see their returns decrease to 1.2% in 2020 on average, according to the Prudential Control and Resolution Authority. , savers are now turning more heavily to so-called “unit-linked” media, in direct contact with the financial markets.

The French Insurance Federation thus notes a record of more than fourteen years for payments directed to these risky vehicles, which account for 37% of the collection in April, after 34% for the year 2020. If it is impossible to determine the contribution of managed management to this success, a number of professionals believe that it is no stranger to it. “It takes on a significant scale and becomes an essential offer”, says Sébastien d’Ornano, president of Yomoni, an internet wealth advisor.

Varied choices

Its flagship asset: “It offers a simplicity of diversification which facilitates the passage to the act, whereas many individuals and advisers do not feel sufficiently equipped to make these choices of diversification themselves, because of the risks incurred”, observes Stellane Cohen, president of Altaprofits, one of the brokers offering these mechanisms for about fifteen years. And above all, it offers a very varied choice and rather convincing performances: “The financial results prove that leaving the management to a professional makes sense, because he is better able to operate a real diversification, to maintain the level of risk expected at the start, and to direct savings towards the most suitable supports. better placed to take advantage of market developments ”, adds Mr. d’Ornano.

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