With an outstanding amount of 1,884 billion euros at the end of March, life insurance contracts weigh heavily in France. To maintain the attractiveness of this savings investment, insurers have changed their offer over the years by considerably increasing the choice of accessible media, even if it means disconcerting some savers with this proposal which has become plethoric. However, diversifying your contract by taking a dose of risk is not that complex. This allows us to hope for better performance in the long term, if we respect a few rules.
Define your project
Before rushing to your client area or your advisor’s office, take the time to think about your needs. “You must first define your objectives, your risk appetite and your investment horizon, says Hadrien Ledit, heritage engineer at Prométhée Conseil, in Bordeaux. Depending on these elements, we will look for the most suitable investment categories. »
Indeed, the ideal distribution of your savings will be based on two key elements: your project and your investor profile. The first is relatively simple to define: are you saving to prepare for your retirement, to finance a specific project or simply to put money aside? The answer will notably allow you to know your investment horizon. Assessing its risk profile is more difficult. Fortunately, all life insurance distributors are required to interview you – in person or through an online questionnaire – to find out.
The euro fund is your ally
The fund in euros is the only guaranteed and cash support for your contract. These unequaled characteristics make it the indisputable basis of allocation (diversification of investments). It stabilizes your savings in the event of a market shock and ensures that you have capital available when needed.
The icing on the cake: his remuneration regains color. “Insurers are increasingly using bonuses to improve the rate paid on the funds in euros for customers who have diversified their contract on account units”, underlines Hadrien Said. The gain can be substantial, sometimes reaching a rate of 3%.
Despite this, the fund in euros does not cover current inflation. “With a contract invested 100% in funds in euros, you are certain to lose money over the next three years, once inflation is deducted. says Sylvain Coriat, director of personal insurance at Allianz France. The only solution to protect your capital is to adopt an allocation comprising units of account. »
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