The MIF makes everyone agree!
Acclaimed by all of the financial press, this MiFID life insurance policy, Compte Epargne Libre Avenir Multisupport, is unanimously acclaimed. Now open to units of account for real estate purposes, 4 SCPIs selected by the MIF, this contract gives access to one of the best funds in euros on the market. In addition, this contract has been adapted to the needs of savers by now offering numerous management options. A “must have” in life insurance.
MIF, a renowned and acclaimed euro fund
The MIF is well known to informed savers, in particular for its successful euro fund. The MIF holds the top of the table of returns from year to year (1.70% net of management fees, gross of social and tax deductions, for the year 2021). The MIF account Epargne Libre Avenir Multisupport contract is free of charge on payments for units of account.
MIF COMPTE EPARGNE LIBRE AVENIR MULTISUPPORT: Promotional offer currently in effect
€100 free + Fees on payment at 0% for any first subscription to a MIF account Epargne Libre Avenir Multisupport contract, subject to conditions
Deadline to take advantage : 15/09/2022
Description : Premium of €100 paid for any 1st subscription to a multi-support life insurance account account Epargne Libre Avenir Multi-support carried out under the following conditions between 16/07/2022 and 15/09/2022, by a non-member MIF. Subject to an initial payment of at least €1,500 (excluding scheduled payments), invested up to a minimum of 30% in units of account (not guaranteed in capital) and to provide all the supporting documents required for validation of the contract. The premium will be allocated to the contract according to the distribution of the accumulated savings. The payment of the premium on the contract is definitively acquired after the 1st year of the contract. Offer cannot be combined. By way of derogation from the contractual conditions, the fees on payments are 0% on all payments made on a multi-support life insurance contract “Compte Epargne Libre Avenir Multi-support” with a minimum share of 30% invested in units of account (not guaranteed in capital). By way of derogation from the contractual conditions, the fees on payments are 0% on all payments made on a multi-support life insurance contract Epargne Libre Avenir Multi-support account with a minimum share of 30% invested in units of account (not guaranteed in capital) .
Other info : The premium will be allocated to the contract according to the distribution of the accumulated savings. The payment of the premium on the contract is definitively acquired after the 1st year of the contract. Offer cannot be combined.
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MIF contract: real estate supports, management mandate and SRI funds
SCPI : Savers wishing to invest in real estate vehicles will be satisfied: 4 SCPIs are now accessible via the MIF life insurance contract, thus allowing savers to allocate part of their capital to this real estate vehicle.
Management mandate / SRI : Similarly, in order to meet the needs of savers who do not have the time or the inclination to manage their savings, a management mandate is now also offered to savers. With 4 distinct profiles, this management mandate, accessible from €1,000 invested, is provided by OFI AM, a big name in asset management, specializing in SRI funds.
Streamlined management, appreciated performance
| MIF profiles (Free Future Multi-support savings account) (1) | Performances 2021 (2) | Performances 2020 (2) | Change compared to 2020 in % |
Profile manager and/or recipient |
|---|---|---|---|---|
| SECURITY
DETAILS ALLOC.
70% fonds euros, 30% UC – |
4,10 % | 4,42 % | OFI Asset Management | |
| BALANCE
DETAILS ALLOC.
50% fonds euros, 50% UC – |
6,07 % | 7,15 % | OFI Asset Management | |
| DYNAMIC
DETAILS ALLOC.
30% fonds euros, 70% UC – |
8,22 % | 8,11 % | OFI Asset Management | |
| OFFENSIVE
DETAILS ALLOC.
90% fonds euros, 10% UC – |
12,06 % | 10,26 % | OFI Asset Management | |
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(1) : Generic investment profiles, allowing a comparison with the competition. In the event of a specific profile, the detail of the profile is indicated as defined by the insurer within the framework of the MIF contract (Compte Epargne Libre Avenir Multisupport). (2) : Performance net of management fees, gross of social and tax deductions. |
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Real estate supports
This MIF life insurance contract also gives pride of place to hand-picked SCPIs. Thus, Compte Epargne Libre Avenir Multisupport offers these high-performance SCPIs (past performances are not indicative of those to come).
| SCPI/SCI names | Nature SCPI/SCI | Administrator | Latest published yields (Year) |
|---|---|---|---|
| ANNUITY CRYSTAL | SCPI WITH VARIABLE CAPITAL (DIVERSIFIED CLASSIC) |
INTERGESTION | 5.04 % (2021) |
| STONE SAVINGS | RETURN SCPI WITH VARIABLE CAPITAL (DIVERSIFIED CLASSIC) |
I COULD | 5.36 % (2021) |
| IMMORENT | RETURN SCPI WITH VARIABLE CAPITAL (SHOP WALLS) |
CHOICE | 4.64 % (2021) |
| PFO2 | RETURN SCPI WITH VARIABLE CAPITAL (DIVERSIFIED CLASSIC) |
PERIAL | 4.59 % (2021) |
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: Gross tax returns. Information provided for information purposes only.
100% on the euro fund possible
MIF Compte Epargne Libre Avenir Multisupport is one of the life insurance policies allowing 100% investment in the fund in euros. Please note, however, that this welcome offer requires a payment of up to 30% in units of account at risk of capital loss. Thus, if you wish to invest only in the euro fund, you will have to ask to waive this welcome offer.
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MIF life insurance: a gold contract according to the specialized press © FranceTransactions.com Warning
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: Investments made in units of account present a risk of capital loss, and are not guaranteed by the insurer. Its commitment is limited to the number of units of account held and not to their value. Past performance is not indicative of future performance and is not constant over time.
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