From 2% and more, without conditions of distribution in UA, it is practically finished in 2021!
For savers with a secure investor profile, collecting 1.7% is obviously much better than collecting 2.5% and an obligation to pay at least 30% to 50% in units of account! The 2020 unit-linked returns are not that bright. Under the guise of a search for yield, insurers want, by all means, to force savers to take more risks on the financial markets. Units of account are obviously much more profitable for insurers (and for good reason, the capital is not guaranteed!), As well as for fund managers. The costs pile up inside these mutual funds, from which the saver does not receive much in the end. But anyway, the erratic movements of financial centers show that this type of investment is only reserved for informed investors.
Euro fund returns publication period Note: all euro fund returns for 2020 are not yet published in 2021. These lists are updated automatically according to the publications.
And for 1.6% minimum yield served in 2020?
Some of you will focus on the installment fees displayed. Most often, they are higher than the actual return of the euro fund. It should be noted all the same, that these are fees on maximum installments (few savers pay these fees at this level, the others should not do it). Finally, these installment fees are only paid in the first year. The return is perceived each year, even if we do not know its value in advance. You can find all the 2020 euro fund rates published in 2021
List of funds in euros, without payment constraint on units of account, whose last known performance is greater than or equal to 1.6 % (net of management fees, gross of social and tax deductions)
An efficient euro fund, what is the rate of return?
A euro fund whose return is just above the average return as published by the FFA (mentioned in almost all media) is not really a performing euro fund. The average published by the FFA is very low, because it includes a large number of euro funds, some of which are totally in decline. Our average return calculated on the euro funds referenced in our guide is higher. As we anticipate a general average FFA of around 1.10% to 1.15% for 2020, we estimate that a euro fund serving at least 1.70% in 2020 is a good euro fund.
Euro 2021 fund: average 2020 returns
2021 average of euro fund returns
The average 2020 returns of the € uros funds for life insurance contracts referenced on our site is 1,43% (net of management fees, gross of social security contributions).
This average is calculated on the 23 € uros funds whose performance was published for the year 2020. Funds in euros accessible via the 278 life insurance contracts referenced and updated on our site for the year 2020.
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Note: the average yield published by the FFA, taking into account almost all of the euro funds existing on the market, is always much lower. Certain euro funds, completely neglected, being taken into account, with rates well below the average for “living” euro funds. A median rate would undoubtedly be more representative.
History of average returns of euro funds
The average rate indicated for 2020 is an estimated rate, source FranceTransactions.com. Past averages are those published by the FFA. All published rates are net of management fees, but gross of social and tax deductions. Past performances do not in any way prejudge those to come.
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