Subsidiaries of the Crdit Agricole group, the online bank BforBank and the life insurer Spirica have revealed stable returns, slightly decreasing or even rebounding for euro funds and eurocroissance-type funds. Spirica manages contracts for BforBank but also for wealth management advisers and numerous online brokers.
With a partial guarantee, in the future, the Euro New Generation Fund will be able to offer a better return than the historical funds, affirmed at the time of the launch of this new star euro fund, in August 2020, Daniel Collignon, CEO of Spirica.
As the 2020 return relates to an incomplete year, it was of little relevance to judge the effectiveness of this new fund. Verdict 2021, first full year for this New Generation Euro Fund from Spirica, the new cornerstone of the vast majority of its contracts: the 2021 rate is strictly identical to that delivered in 2020.
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The rate paid on this new fund is thus stable at 1.65%, i.e. a return higher than the average, on web life insurance contracts: from MeilleurTaux Libert Vie Linxea Spirit 2 via Netlife 2. On older generations of web contracts, Spirica’s general assets are no longer accessible but the yield is still stable at 1.30%.
As for BforBank Vie, a share contract in the Spirica galaxy, where the oldest Dolca Vie fund remains accessible, the yield served is 1.35% in 2021 as in 2020.
The 2021 rates of the main life insurance contracts
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Details of Spirica’s 2021 returns
Following the various developments concerning funds in euros at Spirica, the list of returns is long, with many funds now closed for sale.
- New Generation Euro Fund (stable return compared to 2020): 1.65% on BforBank Vie, web broker contracts, Arborescence Opportunits 2 and Netlife 2; 1.35% on Absolute Version 2, Absolute Version Capi 2, Octavie 4 and Spirica Capi 2
- New Generation PER Euro Fund: 1.35%
- Dolca Life (only on BforBank Vie): 1.35%, as in 2020
- Spirica’s general assets: 1.30%, as in 2020, on web broker contracts, on Netlife, Arborescence Opportunites, etc., 0.92% 1.15% on other contracts
- Euro Allocation Long Terme 1 and 2: 1.90%, compared to 2% in 2020
- Euro Selection: 1.34%, compared to 0.32% in 2020
- Euro Selection 2: 1.40%, compared to 0.32% in 2020
- EuroSlection #2.1: 1%, compared to -0.92% in 2020
- NoEuro Guaranteed: 1.58%, compared to 0.39% in 2020
- NoEuro Guaranteed 2: 2.28%, compared to -1% in 2020
- Growth Allocation Long Term (Eurocroissance-type funds): 4.88%
All rates are net of management fees but after social and tax deductions.