Until now, the Spirica New Generation euro fund was only accessible on condition of investing at least 25% of your savings in units of account. This is no longer the case. Since this summer, savers can invest 100% of their savings in this fund.
The Nouvelle Génération euro fund, insured by Spirica, a subsidiary of Crdit Agricole, is now accessible 100% for any new payment, as confirmed by Crdit Agricole Assurances MoneyVox following changes in payment conditions on the sites of Spirica’s partner brokers. Until now, any payment on the contract had to include a minimum investment of 25% on media in units of account (UC).
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Up to 5 million euros in savings
Since July and in the limit of 5 million euros, savers can therefore secure their assets in this fund partially guaranteed in capital. Unlike traditional euro funds on which the capital is 100% guaranteed, the New Generation fund only offers a 98% guarantee.
In order to generate more yield, Spirica has chosen to diversify by 30% on real estate investments, shares or private equity. The remaining 70% is invested in bonds. As a reminder, this fund in euro funds showed in 2022 a performance of 2.30%.
The New Generation fund is notably accessible in the Linxea Spirit 2, Libert Vie contracts from Meilleurtaux placement, ASAC No Vie and NetLife 2 from Touslesplacements.com.
An insurer specializing in property contracts, Spirica claims at the end of 2022 an annual turnover exceeding 2.1 million euros (+43.9% compared to 2021), 150,000 contracts under management and more than 10.5 billion euros in outstandings. .
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