Takeoff confirmed for returns on euro life insurance funds. After the Garance Epargne (3.50%), Placement-direct Euro+ (4.10%) or those of Milleis Vie (2.75%), Macif announced, this Tuesday, January 9, a very clear increase in remuneration for its guaranteed capital support last year. Thus, for 2023, the return on the Euro fund reaches 2.70%* for its flagship contract, Multi Vie. Either 1.10 points more than in 2022financial year for which the interest rate was limited to 1.60%.
The surge in yield benefits the mutual’s general public life insurance as well as its Macif PER retirement savings plan (2.70%) and its “heritage” life insurance contract, Jeewan Patrimoine. On the latter, the remuneration paid is at least 2.80% (1.80% in 2022). Depending on the share of units of account (CU) subscribed, the performance offered rises to 3% for a minimum of 20% of UA, or even 3.40% with a proportion of at least 40% of units of account. A maximum yield up 1.20 points compared to 2022.
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To boost its returns in 2023, Macif, like all market players, was able to count on the rise in bond rates last year. Movement she supported “by returning part of the reserves that we have built up”, explains Odile Ezerzer, director of Macif Finance Epargne in a press release. The mutual has thus drawn from its provisions for profit sharing (PPB) to boost the rate of guaranteed capital support. A mobilization of reserves which many insurers should use to present the best possible return to savers for the year 2023.
READ ALSO Life insurance: our comparison of 2023 rates for all euro funds, contract by contract
*Return net of management fees, but before social security contributions (17.2%) and possible taxes.
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2024-01-09 18:50:18
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