returns correct but the entry fees prohibitive.
Launched in 2012, distributed by many mutual funds, this contract plays with simplicity. Opening up with 150 euros, it contains only one euro funds managed by Mutexes (spin-off of the Mutualité Française). The yields are correct, without plus : 2.40% in 2015, when the market was at 2.30 % on average. Over four years, the cumulative return spring 12,06 %. The management expenses are moderate, to 0.45 %.
With such a name, one would be tempted to use this contract as a savings passbook. Especially not in : the entry fees are very punitive. Expect a 4.50 % on the scheduled payments or a one-time fee of less than 7500 euros (the rate drops to 1 % for an amount of... 150000 euros or more). Other caveats : the value of the payments does not take place until the end of the month. The funds in euros is also upgraded monthly. And no operation can be carried out online.
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Charges, options... : 1/4
Funds in euros : 2/4
Read our complete fileTwo types of life insurance are worth more than a life Insurance : how to earn more life Insurance : what to do in the face of declining rates?
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