Savers who had not yet benefited from the generous boosts on euro funds finally have six more months to decide. Indeed, the boosted offers on Generali’s euro funds, available on several life insurance and PER contracts on the market, should have ended on June 30, 2026, just like the offers from Milleis Vie (+2.25%, subject to 30% minimum UA) and Matmut (5% boosted yield). But Generali has just announced their extension until December 31, 2026with an effect on 2026 and 2027 yields. But the conditions vary depending on the product.
The contracts concerned are contracts invested in the general AGGVIE (Generali Vie) asset, the PER Generali Patrimoine and the e-PER Generali, and above all all life insurance offering the Netissima fund. They are very numerous: we have Linxea Vie, Altaprofits Vie, Cashbee+, Meilleurtaux Allocation Vie, Placement-direct Essentiel, Ex-direct (BoursoBank), Finary Life, Monabanq Vie Premium… We also have life insurance under managed management Nalo Patrimoine, Goodvie and Ramify.
Netissima: the most accessible boost
It is on Netissima that the offer is the most generous and the most open. There bonus is 1.50% netfrom the first euro paid and up to 500,000 euros, provided you invest at minimum 30% of the payment in units of account. Netissima’s base rate was established at 3% net of management fees in 2025. If this rate were repeated in 2026 (non-guaranteed hypothesis), an eligible payment would show a net annual return of 4.50%, within the overall limit of 5.25% gross of management fees set by Generali.
“This is great news for savers with a prudent profile who wish to pay into the euro fund »reacts Ronan Guesnerie, brand manager at Linxea. In fact, the money placed in a euro fund is guaranteed: it cannot therefore suffer losses. Please note, however, that the 30% share in units of account is subject to market fluctuations. But there are units of account that are less volatile than others: bond funds, money market funds, certain structured products (provided you have a long horizon because they can go up to 10 years) or even SCPIs. It is also possible to invest the UC share in ETFs (equity funds replicating major stock market indices) if our time horizon is long.
On the PER Generali Patrimoine and the e-PER Generali, the bonus is, this time, 1.30% net, with a UC threshold of 30%. External transfers are eligible for both PERs, which may be of interest to savers wishing to transfer an old contract.
Conditions that can cause you to lose boost
There are still three rules, common to all products, to know. First, the threshold of units of account must be respected not only at the time of payment, but also until December 31 of the year concerned : if the UC share falls below the threshold during the year, the bonus is called into question.
Then, any movement of divestment from the euro fund primarily results in divestment from the pocket benefiting from the boost : leaving too early means losing the bonus on the amounts withdrawn. Finally, the offer is not accessible if the subscriber has made a surrender on any life insurance or capitalization contract taken out with Generali, not just on the contract concerned.
