Support available to life insurance holders – Meilleurtaux Placement

Placing your savings in a life insurance contract is a common practice in France. Indeed, it is one of the most popular savings products in the country due to its flexibility and favorable taxation.

Although most subscribers choose to invest their money in euro funds in order to benefit from a capital guarantee, these vehicles do not allow them to obtain attractive returns.

It is then preferable to diversify your investment and opt for a multi-support contract. Moreover, there are different investment supports to boost the performance of your contract.

More or less risky supports

The subscriber of a life insurance has the choice of investing his money in classic, dynamic and real estate funds, but also in more or less risky vehicles.

ImportantUnits of account do not offer capital guarantees, but allow higher returns to be obtained.

Among the options available is the SCPI. Displaying attractive returns, this real estate asset benefits from the advantageous taxation of its envelope: only gains are subject to taxation, and an annual tax deduction applies to capital gains from the 8th anniversary of the contract. Please note, however, that this unit of account is one of the risky supports.

Stocks and private equity to maximize your returns

It is also possible to invest in shares, and the insured person can freely choose the companies in which he invests his money.

In order to guarantee greater gains, sales and acquisition operations should be carried out at the appropriate time.

The live title is considered as a support offering more security compared to other units of account such as UCITS, SCPIs, and structured funds.

The UCITS is included in the list of investment vehicles enabling the performance of its contract to be boosted. Savings can be invested in an equity UCITS, a diversified UCITS, a bond UCITS, etc.

On the other hand, private equity, which allows you to place your savings in the capital of a company not listed on the stock exchange, also remains an investment option to explore for the insured.

In all cases, the subscriber can seek advice from an expert with a view to optimizing the returns on his investment. The distribution of capital will be done not only according to your investor profile, but also your objectives.