Life insurance: finally a rate hike for savers


Insurers who had tightened access to funds in euros in recent months, because of rates that are too unprofitable, are reopening the floodgates. supattra suparit/kamiphotos – stock.adobe.com

DECRYPTION – For the first time in twenty years, the yields of funds in euros are going up.

Savers who fear for their stockings may blow. The fund in euros for life insurance, with guaranteed capital, will yield significantly more this year. A first after years of falling yields, followed by a timid rise last year.

On Thursday, the main association of savers and usual market spur, Afer, announced a rate of 2.01% for 2022, net of management fees, but excluding social security contributions (17.2%). This remuneration was 1.70% in 2021. “This rate will allow us to be among the best as always”, assured Gérard Beckerman, its president. So far it’s pretty average.

Competition of booklet A

In recent days, several insurers and mutuals (Macsf, Maaf, GMF, Swiss Life, etc.) have announced rates often above 2.10% and for some up to 2.80% (the mutual Garance or La Banque mail, for example). The public bank, however, reserves this attractive remuneration for savers with 40% units of account (UA). The entire…

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