In February 2023, Ampli Mutuelle launched a single-fund life insurance contract with a newly created euro fund. This specialist in independent and liberal professions then bet on simplicity and rising rates. Others have since followed suit. As the yield publication season opens, the bet proves to be a winner with a 2024 rate of 3.75% for holders of the Ampli-Assurance Vie contract, a level similar to that of 2023. “In 2024, we We were still able to invest at attractive conditions because, even if interest rates fell, they remained at attractive levels”, indicates Olivier Sanson, the brand new manager of the mutual.
There is no doubt that the competition will be tough. Corum’s euro fund, Corum Euro Life, launched in July 2023, last year offered an annualized return of 4.45% to its holders. As for the online broker Placement-direct.frit had posted an annualized rate of 4.1% on the euro fund of its Direct Placement Euro + single-support contract, insured by SwissLife and created at the end of 2023.
Other insurers are not left out. While the 2024 rates are not yet known, several of them have already communicated to their partners bonus offers on subscriptions and new payments for 2025 and 2026, of the order of an additional 1.5 to 2%. , sometimes accompanied by an investment obligation in units of account. The objective: to get in the starting blocks to attract the collection at the start of the year.