Life insurance : what is the worth of the contracts BNP Paribas Future Retirement, Multiplacements 2 and Privileges?

The writing is sifting, each year, a hundred life insurance contracts. Here is our opinion on three contracts marketed by BNP Paribas : the Future of Retirement, Multiplacements 2 and Multiplacements Privileges.

Future Pension

Notice of drafting : Medium

The euro-growth, you know ? BNP Paribas is the spearhead in this market. This contract is for the customer general public, with a fund of euro-growth in place of a fund in euros classic.

Reminder : with this type of support, your principal is guaranteed on a term between eight and forty years.

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In return, it promises you a higher yield on the term. The performance established in 2016 and 2015 are not very convincing, with a 0.82 % and 0.20 %. In 2014, it was even better with 10,75 %!

BNP Paribas has set a threshold for access to the bottom for this contract, 50 euros. Attention, any investment to pay a 3.50% fee. Then, count a total of 1.55 % of the annual management fee, which gnaw, of course, the performance rating. In addition to the fund, euro-growth, the insured has access to a few units of account "home". A contract to be considered with great caution before committing to it.

Multiplacements 2

Opinion of the editorial : Bad

More than a million French are holding this contract, it is what it is! Launched in 1990, it has the seniority to him, a point of honour to put to the credit of the bank. 50 euros are enough to open the counters. For many, its appeal is low. The funds in euros patina under the market average, 1.70 % in 2016. Note : this year, operations bonus performance are conducted to encourage the insured to be paid in parallel on the fund is risky and the integration of a fund's euro-growth must occur.

For the financial offer, rather, it is sufficient with a sample of sixty financial supports, but without true multi-management.

It also regrets the high fee : 4.75 percent on the payments (on a sliding scale, but 3.50% for 75 000 euros paid), is 0.96 % per year on the management of the funds-risk with a guaranteed death included), 1 % by arbitration ! Some management options, however, are free.

Multiplacements Privilege

Notice of drafting : Medium

This is the offer restricted to the high net worth clientele of the bank since 2001, with an entrance ticket at € 20,000. Nearly 95000 insured the hold today for an outstanding close to € 18 billion. In some respects, this is a good pick. The range of media is extensive, with 500 funds, including a SCI, a real estate mutual fund, and certificates in business operations. We appreciate the management support offered, the death insurance included, and the output options in the annuity, the specialty of the insurer Cardif.

It will be much more critical of the fund, in euros, of an average ratio for a contract for a top of the range. Its rate varies according to the managed funds but, as a minimum, it was only 1.85% in 2016. Operations of bonus, with investment funds risky, will have boosted this performance.

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Another hitch, the fees : 4 % (sliding scale) on the payments, to 1.06% per year on the management of the funds risky, 1 % by arbitration in free management.