Life insurance: Eurocroissance funds, finally a profitable third way?

Posted Jan 25, 2023, 12:00 PMUpdated on Jan 25, 2023 at 12:02

For Gilbert Chahine, Managing Director of Axa Savings, Retirement and Individual Provision, eurocroissance funds, shunned until now by the public, will gain ground. “It is undoubtedly a positive point. The inflows from our eurocroissance fund are invested in bond assets with better yields than those of recent years, and these opportunities combine with those offered by other asset classes such as infrastructure, private equity and private debt. , whose performance is less correlated with that of the financial markets. »

As a reminder, eurocroissance funds open up a third way between conventional euro funds and unit-linked funds by offering a capital guarantee of 80% to 100% depending on the offers (below 100% we speak of “growth” funds). ) no longer permanent but at maturity (eight years minimum, up to thirty years sometimes). This investment horizon allows the insurer to boost its management while protecting the capital over time.

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