CNP Assurances has revealed the rates paid for the year 2023 for the life insurance contracts it insures at La Banque Postale. Find out how much your savings earned you.
CNP Assurances announced this Tuesday, January 16, the returns on its support in euros for its range of La Banque Postale life insurance and retirement savings contracts. The average CNP Assurances rate rises to 2.52% in 2023, an increase of 93 cents. A performance right within the expected average (2.5% according to experts).
Vivaccio from La Banque Postale 2.20%
Vivaccio is a former Banque Postale contract which has for several years offered lower yields than the Cashmere range. A way for La Banque Postale to encourage its customers to move towards the new range of contracts. This year 2023, Vivaccio therefore offers a yield that is still slightly lower 2.20% but a clear increase compared to 2022 (1.30%).
Cashmere 2 Serie 2. La Banque Postale’s flagship contract serves a base rate of 2.30%. Depending on the share of units of account (UC) within your contract, the remuneration is increased by up to 3.80%. Between 25% and 30% UC, the rate increases to 2.76%, then 2.99% for 30% UC. For 40% of UC, the rate reaches 3.45% and finally 3.80% for investors who have invested at least 50% of their assets in these riskier and non-capital guaranteed supports. A nice increase compared to 2022: last year, the base rate of this contract reached 1.40%.
Kashmir Heritage Series 2. This more high-end contract offered in 2022 remuneration of between 1.50% and 3%. For the year 2023, the yield oscillates between 2.40% and 3.90%a slight increase compared to the entry-level Cachemire 2 contract.
Cashmere PER. It is La Banque Postale’s retirement savings plan which holds the prize for the best subsidized rate. The base rate rises, for the year 2023, 2.50% and rises to 4% if the UC share in the contract reaches or exceeds 50% of the savings placed.
All these rates are net of management fees but gross social security contributions. It will therefore be necessary to deduct 17.2% from these rates in order to obtain your real return.
Life insurance: the 2023 rate charts