A fund in euros low, but an investment fund (SCPI) quality
Marketed since 2005, this contract of HSBC Insurance, which aconnu a few improvements over the years, remains of average quality.The funds in euros is low, with 2,18 % for 2015. Bonuses have been octroyésaux insured investing for part of the funds to be risky, for example 0.40% of more to put at least 40 % in units of account. The costs of entréedu product, a reduction of 4 % to 2.5 % last year, are now competitive. Load is not the case of management fees on the funds in euros, set to 0.90 %(on a sliding scale). On the units of account, they amounted to 0.75 %.
The basket of investment funds is significant for a bank contract available with 1, 000 euros, since it has hundreds of funds and opening windows on real estate investment trusts (REITS). A second arbitration free of charge per year would be welcome to drive this envelope more actively.
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Charges, options... : 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?
Funds in euros : 1/4
Other funds : 3/4