Yomoni takes stock of its year 2023 and the performance of its life insurance by risk profile. Between 2022 and 2023, fintech was able to significantly increase its returns to positive levels. For the year 2023, they oscillate between 1.7% and 19% depending on the risk-taking of its investors.
Yomoni sent MoneyVox its performances for the year 2023 for Yomoni Vie, its life insurance contract in management under mandate invested in index funds (ETFs and trackers). Fintech therefore shows performance positive on all its mandates and a certain increase compared to 2022 for all those who have chosen a share of risks.
For the contract with the least exposure to unit of account (UC), i.e. 20%, compared to 80% invested in the Euro Suravenir fund, the return returns to positive and reached 4.6% in 2023 (compared to -4.3% in 2022).
Performances for the year 2023
- P1: 1.7% in 2023 (1.72% per year over five years)
- P2: 4.6% (2% per year over five years)
- P3: 5.6% (2.55% per year over five years)
- P4: 7.6% (2.9% per year over five years)
- P5: 9.7% (3.2% per year over five years)
- P6: 11.7% (3.5% per year over five years)
- P7: 13.2% (4.7% per year over five years)
- P8: 14.6% (6% per year over five years)
- P9: 16% (7.2% per year over five years)
- P10: 22.8% (9.6% per year over five years)
Yomoni catches up with his year 2022
A great year 2023 which catches up with last year’s performances. Indeed, from P1 to P10, the yield rose between 2.10% and -18%. As a reminder, the P1 profile, the least risky, is no longer accessible for subscription since September 2020.
The initial payment of Yomoni Vie is 1000 euros. The contract is then funded by one-off or scheduled payments of at least 50 euros. As for prices, the management fees are 0.60% on the fund in euros and the UC. Yomoni does not charge any remittance or arbitration fees. Annual fees are 1.60% maximum.
Last October, Yomoni launched its insurance retirement savings plan, called PER Retraite+. Unlike the banking PER, it has a fund in euros. The New Generation fund, insured by Spirica, a subsidiary of Crdit Agricole, offered a return of 2.30% in 2022. It is made up of two distinct pilot management mandates: the first 100% ETFs and the second, a multi-asset mandate (with real estate and non-listed assets).
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