The Garance mutual insurance company announced this Thursday, February 8, the release of its new retirement savings plan, Garance Vivacit. Multi-support, the contract is accessible from 100 euros.
The Garance mutual insurance company is getting a makeover: new logo, new customer area, new website… And new product. The mutual in fact announced this Thursday, February 8 during a press conference the release of a brand new product to expand its range: the retirement savings plan (PER) Garance Vivacit. The entry ticket for this multi-support contract is 100 euros. The saver will then be able to choose between free payments of a minimum of 100 euros or scheduled payments. from 50 euros.
The management fees of the fund in euros equal those of the units of account (UC), 0.7%. The fees on payments amount to 1.5%. On the other hand, Garance does not charge any arbitration fees. During its press conference, Garance confirmed that the yield served on this new PER will be identical to that offered on its other contracts.
In 2023, the return on the mutual fund in euros will rise 3.5% (2.9% after deduction of social security contributions of 17.2%), up sharply after its 2.8% last year for Garance pargne life insurance and the Garance Srnit PER. Remuneration applied without drawing on its reserves which allows Garance to compete with Livret A and its average rate of 2.92% over the past year.
Life insurance: a first rate above 3%
At Garance, we believe that savings only make sense if they really speak to you: a real estate purchase project, an income supplement in retirement, a comfort economy, a travel project… Concrete things , real things! For each project, we want to offer fair savings, controlled and adapted to your objectives. No one should feel excluded from saving because of financial jargon, we believe another path is possible! explains Virginie Hauswald, the general director of Garance.
A collection objective of 300 million euros in 2024
The mutual also took advantage of this press conference to talk about its objectives in 2024. In addition to expanding its range with the PER Vivacit, Garance also announced the release in the coming months of a heritage contract and an application mobile in September. The mutual has also set itself a collection objective of 300 million euros. It currently manages 3.8 billion euros in assets under management.