What future for life insurance in euros?
High performance, risk, tax-efficient, the life insurance contracts in euros for thirty years seduced rightly millions of savers. 2011 there was a turning point in the history of this investment? Showing a net outflow end of the year and decline in yields (3% in 2011 against 5.3% in 2001), life insurance in euros, which still has more than 1,220 billion euros, lost its superb. However, the top life insurance contracts range are doing better and could even rise again this year.
Life insurance in euros through a bad patch. After three decades of loyal service, the star offering, combining both performance and safety, will come probably not free from the financial crisis. Mostly invested in bonds, including those issued by states, for whom the default is now more unlikely if the life insurance contracts in euros do not seem to offer the same benefits provide and keep that same promise 'previously. Investors are entitled to ask whether this phase is lasting or temporary, that is to say reversible.
2011: a simple to blow for Facts & Figures
Moreover, since the end of 2011 the amount paid on life insurance contracts in euros grew much more slowly than before, while withdrawals are increasing. Admittedly, for thirty years, this investment product suitable for almost all of the needs of investors has been extremely successful, no other investment has never generated.
However, in recent years this attractiveness decreases. The bond crisis that precipitated this setback. According Facts & Figures, it is a simple blip and not a sustainable situation. The firm believes that "there is a lot of talk of excessive withdrawals, the death of the life insurance, the impact of exposure to Greece. After a decade of sustained growth, life insurance knows actually a stabilization and remains the preferred savings vehicle of the French. »
Return on life insurance: the best in 2012
Improvement should also be visible this year. According to estimates by consulting firm in strategy, Facts & Figures, the remuneration of life insurance contracts in euros will be better in 2012. After several years of decline and after dropping 3% last year, the rate of return on life insurance contracts in euros should in their calculation start rising and stand at roughly 3.3%. This estimate includes a margin of error of about 0.2%, the yield is expected to range between 3.10% and 3.50%.
To provide these estimates, Facts & Figures established a correlation between the rate of pay of euro funds of life insurance policies and rates of return on government bonds means (MTCT).
The most profitable high-end contracts than other
The consulting firm also notes that the performance gap between these contracts standard and high-end contracts for hotel guests "wealth management" increases. While the average rate shows 3% in 2011, the standard contracts is below 2.70% when the contract reserved for the wealth management reached 3.35%.
Life insurance in euros through a bad patch. After three decades of loyal service, the star offering, combining both performance and safety, will come probably not free from the financial crisis. Mostly invested in bonds, including those issued by states, for whom the default is now more unlikely if the life insurance contracts in euros do not seem to offer the same benefits provide and keep that same promise 'previously. Investors are entitled to ask whether this phase is lasting or temporary, that is to say reversible.
2011: a simple to blow for Facts & Figures
Moreover, since the end of 2011 the amount paid on life insurance contracts in euros grew much more slowly than before, while withdrawals are increasing. Admittedly, for thirty years, this investment product suitable for almost all of the needs of investors has been extremely successful, no other investment has never generated.
However, in recent years this attractiveness decreases. The bond crisis that precipitated this setback. According Facts & Figures, it is a simple blip and not a sustainable situation. The firm believes that "there is a lot of talk of excessive withdrawals, the death of the life insurance, the impact of exposure to Greece. After a decade of sustained growth, life insurance knows actually a stabilization and remains the preferred savings vehicle of the French. »
Return on life insurance: the best in 2012
Improvement should also be visible this year. According to estimates by consulting firm in strategy, Facts & Figures, the remuneration of life insurance contracts in euros will be better in 2012. After several years of decline and after dropping 3% last year, the rate of return on life insurance contracts in euros should in their calculation start rising and stand at roughly 3.3%. This estimate includes a margin of error of about 0.2%, the yield is expected to range between 3.10% and 3.50%.
To provide these estimates, Facts & Figures established a correlation between the rate of pay of euro funds of life insurance policies and rates of return on government bonds means (MTCT).
The most profitable high-end contracts than other
The consulting firm also notes that the performance gap between these contracts standard and high-end contracts for hotel guests "wealth management" increases. While the average rate shows 3% in 2011, the standard contracts is below 2.70% when the contract reserved for the wealth management reached 3.35%.
0 commentaires:
Enregistrer un commentaire