Will maintaining the rate of the booklet A 3% on August 1 have an impact on the rates paid in 2023 on the euro life insurance funds? While specialists had previously estimated that the average return on life insurance would reach 2.5%, Bruno Le Maire’s announcement made them revise their forecasts downwards.
After the announcement of the status quo for the Livret A rate on July 13, the Good Value for Money site decided to revise its forecasts for the average rate of life insurance funds in euros. Its founder, Cyrille Chartier-Kastler, estimated in June an average rate for the euro fund of 2.50% in 2023. In a tweet, Good Value For Money refines its predictions and is now leaning towards a average yield 2.40%.
Top funds expected 3% or more
Questioned by Moneyvox, the director of the Cercle de l’pargne, Philippe Crevel, estimated that we will approach the 2.5% to 2.8% yield. The best contracts could even offer a 3% performance according to Gildas Robert, Senior partner Actuarial & Financial Services at Optimind.
Life insurance: why the rate of euro funds should reach up to 3% in 2023
THE rate maintained at 3% for the next 18 month will he push insurers to dip less into their reserves, provisions for profit sharing (PPB)? The answer will only come in a few months, but it remains to be hoped for all savers that the gap between life insurance and the Livret A savings account continues to narrow. A fixed rate of 3% (for the moment) for the preferred investment of the French could gradually push savers to turn again to medium and long-term savings.
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