In a world of low interest rates, diversifying your life insurance contract is essential in order to develop it in the long term. First, because the euro fund with guaranteed capital for life insurance only reported 1.3% on average in 2020, according to the French Insurance Federation (FFA). Then because of the investment constraints imposed by insurers on media not guaranteed in units of account (UC). “It is almost no longer possible to invest 100% in euro funds”, notes Sébastien d’Ornano, president of Yomoni. Finally, because in the event of a rise in inflation, its real return would become negative.
How to choose your financial supports? “Since there is no return without taking risk, you have to determine your ability to see your savings vary over time, upwards or downwards,” said Gilles Belloir, general manager of Placement-direct. en If a saver says he is looking for a high return without accepting to lose a single penny, he will have to readjust his expectations. ” However, there is no question of completely renouncing the euro fund. “It remains relevant to obtain liquidity at all times, knowing that the most efficient contracts allow you to recover your money in your bank account in seventy-two hours,” remarks Stellane Cohen, president of Altaprofits.
A way to gradually gain exposure to the financial markets
For Gilles Belloir, it must remain confined to two uses: “Its role is to c …
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