The units of account of life insurance contracts offer poor performance. According to the firm Facts & Figures, the average return on these supports was negative in 2022, amounting to -12.7%.
Euro funds for life insurance contracts saw their yield increase in 2022, from 1.30% in 2021 1.90% on average. And these funds, guaranteed in capital, could well offer an average performance of 2.5%. Some funds created in 2023 could even reach 4.5%. We will have to wait until January 2024 to find out if these forecasts turn out to be accurate.
Life insurance: up to 4.5% return expected for euro funds in 2023
Which units of account should you turn to?
While waiting for the verdict and for boost performance a little more of their contracts, savers have the possibility of investing in units of account (UC). These assets are potentially more profitable but expose savers to capital losses.
Well, more profitable, not so sure. Indeed, in 2022, units of account showed lower returns than euro funds. Facts & Figures rated their average performance (net of fees) – 12.7%. For its part, France Assureurs stated in August that the average yield stood at −11.2% (compared to +9.9% in 2021).
But it remains possible to save in the long term with a good level of performance, explained Cyrille Chartier-Kastler, founder of the Facts & Figures firm. Capital. He recommends investing in three asset classes. THE bonds, shares of American companies and those of large international capitalizationsallowing the inclusion of large European and Asian companies.
For Cyrille Chartier-Kastler, this last asset class is the one that performs best in the long term. The saver who wants to diversify his savings must take risk and invest in stocks.
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