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Insurance contract, life Savings Evolution of E-Heritage / Spirica : a contract which differs

Accessible, the life insurance contract'epargne Evolution of E-Patrimoineune offers a wide range of investments. In 2015 and then in 2016, the contract Saving

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Insurance contract, life Savings Evolution of E-Heritage / Spirica : a contract which differs

Accessible, the life insurance contract'epargne Evolution of E-Patrimoineune offers a wide range of investments.

In 2015 and then in 2016, the contract Savings as the Evolution of E-Heritage, managed by Spirica, has received a grade "good" during our Grand Prize of a life insurance policy. Available with 500 euros (200 euros for students), it shows off a invoice discount : 0 % fees on payments and trade-offs, of 0.50 % on the outstanding loans managed for the risk fund and 0.70 % on the fund in euros. Its range of investments is extensive, with 245 support - trackerless -, and 76 asset management companies. Any delegated management, however, is not proposed.

restricted Access to funds in euros

Launched in 2008, this contract has remained in the shadows with a thousand holders only. A shame, because it also allows you to invest on three euro funds managed by Spirica. In 2015, they have respectively given 2,55 %, 2,81 % and 3,51 % for the fund's Euro Allocation Long-Term. Attention, this last is capped at € 100,000 per contract and up to 60% of the payments. Bad news, the insurer will deny as of September 1, the payments to 100% on the other two funds in euros, the share of funds in risky to be a minimum of 25%.

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