Announcements of remuneration rates for funds in euros punctuate the month of January each year. Sometimes, some anticipate the movement before Christmas, like Milleis Vie. Others increase their discretion by only revealing their returns in the middle of February when all eyes are turned away. What we know.
Suspense. The 2023 rates for life insurance funds in euros will increase. All indicators are green for the ascent. But how much? Where? Milleis Vie, a small player in this market, was, like last year, the first to draw. This will be 2.75%, net of management fees and before any taxes, as required by the established formula, on the euro fund of this private bank’s life insurance.
Life insurance: 2.75%, here is the first rate for the 2023 season
The increase is notable (2.15% in 2022) at Milleis Vie and it sets the tone for a 2023 rate season expected to see a very clear increase. Because, let us remember, the Livret A has been bringing in 3% net of any tax for several months and its yield will remain frozen at this 3% throughout 2024. The average yield is expected this year around 2.50%, in a clear rebound compared to 2% last year (then corrected by the ACPR 1.91%) but observers are already anticipating very high rates of 4.5% and others at the back of the pack.
These are the average rates of return on funds in euros calculated each year by the ACPR.
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The 2023 rate announcement calendar
- Like every year, the main announcements will be made in the crowd of the rate from the Afer savers association, which often gives the LA of the market. Here are already two dates to remember: THURSDAYJanuary 11
- : Corum. TuesdayJanuary 16
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And after? For online life insurance, you generally have to wait until the second half of January. As for traditional banks, Socit Générale often communicates early in January and the other brands follow in January or early February.