The erosion continues for the euro fund in the retail range of La Banque Postale. From 0.7% net of management fees in 2020, it increases to 0.67% in 2021.
La Banque Postale is still at the back of the pack in banking life insurance. Based on the most popular products, only the yield provided for the year 2021 by Crdit Agricole (0.65% on Predissime 9 series 2) is as low as that of the Vivaccio euro fund. Accessible from 75 euros, this life insurance therefore has a report of 0.65% net of management fees in 2021, but before taxes. This is still a little below the 0.7% served for the year 2020.
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In a context of persistently low interest rates, La Banque Postale and its insurer CNP Assurances are offering attractive euro returns for its life insurance policies, thanks to the euro bonus on outstandings in order to encourage the diversification of customer savings. In order for a majority of customers to benefit from this bonus, a first level accessible from 20% of units of account held in the contracts has been set, relativizing the bank. Units of account which, unlike funds in euros, are more risky because they do not benefit from the capital guarantee.
2021 rates for the main euro funds La Banque Postale
- Vivaccio Euros: 0.65% (0.70% in 2020);
- Cashmere 2: 0.85% 1.7% according to UA share (0.95% 1.90% in 2020);
- Kashmir Heritage: 0.95% 1.9% depending on UA share (1.05% 2.10% in 2020);
- Easyvie (Easybourse): 1.10% 2.20% by UC share (compared to 1.2% 124% in 2020);
- Cashmere PER: 1% 2% according to the UA rate on the fund in euros (as in 2020).
Read also: The 2021 ranking of life insurance rates