Life insurance contract Red Currants LCL / Predica : wholesale charges on the supports at risk

For its third edition, this contract Red Currants has not yet found its cruising speed. Its funds in euros is too variable

The agreement with LCL, which is in its third version, opens with 15000 euros minimum. Its stock is close to 10 billion euros, in fact, a small steamer on the market. Is it the height? Our Grand Prize has awarded him a 108th place that is worth a response. It must be said that the frame technique is the worth. 3 %, fees on payments are reasonable, but what about the expense ratio, 0.95 % on the fund risky? As the costs of the arbitration, to 0.70 % in the act (not exceeding 40 euros), they do not encourage a dynamic management. Damage, to the extent that the contract provides access to 78 investment funds.

Unless the market

The largest reserve gate on the euro funds. Its rate varies according to the management fees applied, which are themselves a function of the amount outstanding. For insured persons of fees on the ceiling (1 %), the performance of 2015 has just been 1.90 %. The customers of the more fortunate have obtained the best rate to 2.30 %, not anything to rave about.

Our view

Your support is essential. Subscribe for $ 1 support Us

Charges, options... : 1/4

Read our complete file

life Insurance rates / returns contracts

Two 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 : 2/4