Life insurance : the contract Sérénipierre remains at the top... but at what price !

This year, the fund's Security Stone Euro contract Sérénipierre dominates the market with a rate of 3.60 %. It is carried by its investments in real estate.

The fund's Security Stone Euro of the life insurance contract Sérénipierre is still leading the market this year. From the top of its 3.60% of yield, the euro funds provided by Suravenir, a subsidiary of Crédit Mutuel Arkéa, and marketed by Primonial, enough to reassure investors worried about the lower attractiveness of the euro funds. While the average yield of the market should not exceed 1,80 / 1,90 % in 2016, the product culminates with a rate of 3.60 %.

check out the returns 2016 to more than 300 life insurance contracts

However, the star of euro funds of the life insurance acknowledges this year with a loss of 0.40 points compared to 2015 (he was then reported 4 % net of management fees). But according to Bernard The Arm, chairman of the board of Suravenir : "The gross return 2016 is equal to that of 2015. The rate served to the clients on this contract undergoes this year a voluntary decrease, which corresponds to the implementation of the reserve".

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real Estate "performance engine"

good performance, Safety Stone Euro to its investments if individuals. With 80% of the assets invested in real estate with yields well above the 3% mark, the fund still has beautiful days in front of him. Because real estate remains "an asset class that is extremely favourable" and "engine performance", writes Laurent Fléchet, chairman of the management board of Primonial REIM.

The group invests in offices or modern buildings, located in cities with high potential or in commercial areas that generate a flow of people important.

From 2015, the investments will expand at international level (Belgium, Germany, Italy). To preserve this performance over the long term, Primonial also intends to pursue "a strategy based on asset classes alternatives", including the real estate of health (where yields are around 6 %) and shops.

conditions of access, restrictive

But if it is so coveted for these attractive returns, Security, Stone Euro is not subject to access conditions are very restrictive. Indeed, within the contract Sérénipierre, the part invested on the fund in euros should remain minimal, as it can not exceed 35% of the payment ! And each deposit must contain at least 50 % of the units of account of investments in Stock market without capital guarantee. The other funds in euros available in the contract, Security Flex Euro, reported, to him, a higher standard of 2.10%.

the ransom of success justified according to Bernard The Arm by the concern to "protect the yield", but also "master collection" which, this year, reached more than 700 million euros (gross). Also of note, it takes a minimum of 10 000 euros to purchase the contract.

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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?

Lastly, another downside : the costs are especially heavy. The trade-offs are paid (15 euros per transaction), and it takes 5 % on payments (negotiable increments of 0.25 %), 0.80% per annum on the management of funds in euro and 0.98 % on other media.