A subsidiary of the Crdit Agricole group, the insurer Spirica has revealed increasing returns for euro funds and Eurocroissance-type funds for the year 2023. Spirica manages the contracts of BforBank, but also of wealth management advisors and many online brokers.
Net rebound for most of the euro funds of the life insurer Spirica, a subsidiary of the Crdit Agricole group. Like all market players, remuneration is clearly on an upward trend for the year 2023.
Thus, Spirica’s New Generation Euro Fund, the cornerstone of the vast majority of its contracts, obtains a remuneration of 3.13% in 2023, compared to 2.30 in 2022. A rate which applies to Meilleurtaux Libert Vie contracts , Linxea Spirit 2, Netlife 2 or even Arborescence Opportunities 2. Remuneration clearly above the average of what the various insurers have so far revealed.
In 2023, the average fund rate in euros should reach 2.5%, compared to 1.91% in 2022.
Life insurance rates 2023: the tops and flops of the new yields
Details of Spirica’s 2023 returns
Following developments regarding euro funds at Spirica, the list of returns is long, with many funds now closed to marketing.
- Euro New Generation Fund: 3.13% in 2023 compared to 2.30% in 2022 for contracts with web brokers such as Linxea Spirit 2, Meilleurtaux Libert Vie, Arborescence Opportunits 2 and Netlife 2; 2.83% (compared to 2% in 2022) on Version Absolue 2, Version Absolue Capi 2, Octavie 4 and Spirica Capi 2
- Euro PER New Generation Fund: 2.83%, compared to 2% in 2022
- General assets of Spirica: 1.70% (compared to 1.60% in 2022) on web broker contracts, on Netlife, Arborescence Opportunits, etc.; 1.32% 1.55% on other contracts
- Euro Long Term Allocation 1 and 2: 2%, compared to 2.10% in 2022
- Euro Selection and Euro Selection 2: 1.50%, compared to 0.61% in 2022
- EuroSelection #2.1: 1.30%, compared to -0.71% in 2022
- NoEuro Guaranteed: 1.50%, compared to 0.98% in 2022
- NoEuro Guaranteed 2: 2.30%, compared to 0.08% in 2022
All rates are net of management fees, but before social and tax deductions.