Don’t wait until 2024 to take advantage of the exceptional operation offered by Carac, it will be too late! Until December 31, 2023, the savings mutual is offering up to 500 euros for any new membership to its Carac Epargne Patrimoine life insurance contract and its PER.
Perhaps you have already wondered how to earn 500 euros easily? Read the following carefully, because the answer may lie in this article. Last September, Carac launched a special operation for its new customers. Until December 31, 2023it offers up to 500 euros for any first membership to its Carac Epargne Patrimoine life insurance contract and its retirement savings plan (PER).
Concretely, for a first Carac pargène Patrimoine membership, Carac pays its customers up to 500 euros in the form of a contribution. Receive:
- 50 euros in the event of an initial payment of less than or equal to 15,000 euros;
- 150 euros for any initial payment between 15,000 euros and 30,000 euros;
- 300 euros if the initial payment is between 30,000 euros and 50,000 euros;
- 500 euros by making an initial payment of more than 50,000 euros.
Join Carac pargne Patrimoine
Regarding the bonus granted in the form of multi-brand gift vouchers, for any first membership of the Carac Individual PER, the amount granted is determined as follows:
- 50 euros for any initial payment less than or equal to 1500 euros;
- 150 euros in the event of an initial payment of between 1500 euros and 3000 euros;
- 300 euros by making an initial payment of between 3000 euros and 5000 euros;
- 500 euros if the initial payment is greater than 5000 euros.
Join the Carac individual PER
Subscription to these contracts is done directly online with the help of an advisor. After a telephone exchange, the member signs his contract electronically. Whether it is a matching contribution or sending multi-brand gift vouchers by registered mail, they will be carried out within a period of approximately two months after expiry of the waiver period, i.e. 30 days after signing the contract. As a reminder, the offer is reserved exclusively for new customers and is granted subject to sending the complete membership file to the Carac headquarters. before January 15, 2024.
Carac Epargne Patrimoine in brief
To help you choose between the two, here is a summary of the characteristics of the two contracts. Carac Epargne Patrimoine is an individual multi-support life insurance contract, available in two management modes: free management or profile management. The saver can place his savings in the funds in euros Security (2.50% in 2022) and on 24 supports in units of account, including 13 SRI-labelled funds. The savings mutual does not impose no fees on all payments carried out on the contract, and charges management fees of 0.90%. A solidarity option also allows the saver to make donations to a partner association, via a 1% commission deducted from payments.
Accessible with a first payment of 500 euros, one-off payments made subsequently must respect the same amount. The investor can also set up scheduled transfers, of at least 50 euros for a monthly frequency (150 euros per quarter, 300 per semester and 600 per year). Concerning partial redemptions, they cannot be less than 150 euros, and the balance must be maintained at 1000 euros on the contract.
Carac Epargne Patrimoine in details
The PER Carac in brief
As for the Carac Individual PER, it is available with the choice of free management or horizon profile. It also provides access to funds in euros Securitybut the unit-of-account supports are on the other hand reduced compared to Carac Epargne Patrimoine since there are 13 of them. There are no fees on payments, and the management fees are identical to those charged for insurance life, or 0.90% (for the euro fund and unit-linked funds).
Usually, the PER is accessible from 1000 euros initial payment. One-off transfers are possible for a minimum of 1000 euros, as are scheduled transfers, from 100 euros per month (or 300 euros per quarter, 600 euros per semester or 1200 euros per year). However, until December 31, 2023, the Carac PER is exceptionally accessible from 500 euros (in free or pilot management), subsequent free payments are also reduced to a minimum of 500 euros and scheduled transfers are possible from 50 euros per month (or 150 euros per quarter, 300 euros per semester or 600 euros per year).
The PER Carac in details