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Home » Life insurance: on what account units (UC) should you bet to perform over time?
Business

Life insurance: on what account units (UC) should you bet to perform over time?

By News Room2 July 20252 Mins Read
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Life insurance: on what account units (UC) should you bet to perform over time?
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A first half of a year heckled for equity investors. Following the threats of Donald Trump on customs duties, on April 2, the main world scholarships had dropped: CAC 40 had for example sold 12.87% in a week, ditto for the S&P 500 (-12.13%). At the key, a great fright for savers invested in the financial markets via their life insurance, and a recall bite on the potential volatility – strong or downwards variations – of this type of placement.

And yet, despite the cold sweats caused, it is the actions that report the most long term, recalled in its first annual report the financial sector Advisory Committee (CCSF), published Tuesday, July 1. As a reminder, you have access, in life insurance, to a large catalog of possible investments, via the account units (UC) offered by your insurer. Unlike the Euros – Guaranteed capital fund – UCs, however, represent a risk of partial or total loss of your bet.

+8.5% performance for UC shares in 2024

However, among the many categories of UC, it is those invested in equity that have reported the most to life insurance holders. This applies for the year 2024 (+8.5% performance on average according to France Insurers), but also for the last five years, with a annualized performance of 4.26% Between 2020 and 2024. Be better than other UC classes over this same period: 0.23% for bond funds, 1.14% for monetary funds, or -2.40% for real estate funds.

A trend that is also verified in the longer term, since according to the Institute of real estate and property savings (IEIF), it is also the actions which prove to be the most profitable placement in the long term: 11.8% average performance per year over the past forty years (1984-2024). As a bonus, the CCSF report tells us that this performance can be obtained at a lower cost. Indeed, the “equity funds” UC are not the most loaded, since with 1.85% Average recurring costs per year, they are behind alternative funds (2.35%), and real estate funds (2.15%).


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