For 2022, Monceau Assurances pays a rate of 1.75% for all of its contracts. Down from 2021.
Unlike its competitors, Monceau Assurances is lowering its rate of return. In 2022, the group’s mutual life insurance company, Capma & Capmi, will post a remuneration of 1.75%. And this, without a policy of differentiation. In 2021, it was 1.90% for the Dynavie contract and fluctuated between 1.80% and 2.15% for the Carnet Multi Épargne (CME).
” Our competitors may have served better compensation, but no rate of return catches up with inflation (5.9% at the end of December 2022 editor’s note)”, explained Brigitte Baillot, the group’s president, during a press conference. As well ” we have opted for regular, secure and prudent financial management “, she added.
Monceau does not draw on the reserves
The group has chosen not to draw on its reserves. ” It was inconceivable for us to propose a rate of 2.50% one year, before lowering it considerably the following year. We have therefore opted for a smoothing of rates “, specified the president. The idea is also to encourage diversification.
Despite this downturn, Monceau Assurances has posted good momentum over the past decade. Over ten years, Dynavie’s performance provides an average annual return of 2.42%, while CME comes in at 2.50% when inflation is around 1.30% over the period.
At the end of 2022, the group claims a record gross collection of 270M euros, up 11% over one year. ” A good year for both savings and retirement said Jérôme Sennelier, CEO of Monceau Assurances. In addition, the group has noted a rejuvenation of its members: the average age has fallen from 42 years in 2018 to 36 years today.