Life insurance: the ranking of the 15 best euros funds of 2024

The hour of the results sounded for life insurance! The rates of funds in euros for 2024 are now known, and it was necessary to display a return of at least 3% to rise to the 15 best supports on the market.

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In life insurance, a good part of the 2024 bulletins are given. It is indeed at the beginning of the year that insurers communicate to savers the yields distributed on their guaranteed capital supports – the funds in euros – over the past year. You can already find the rates of nearly 600 contracts in our 2024 comparative table comparative table. What already to operate a selection and distribute the good points to the 15 best students of the last promotion.

Thanks to the data compiled by Good Value For Money, a first teaching: ‘It was necessary to serve a net return of at least 3%* in 2024 to appear at the top of the basket. Or at least 0.6% more than the rate average expected on euros funds for the entire market, namely 2.4%, according to the Facts & Figures firm. An objective achieved for responsible and solidarity life insurance contracts (MAIF), Matmut Vie Epargne (Matmut), Target + (Primonial) and essential placement (placement-direct.fr), all four of a performance of 3%.

Only a contract has a yield greater than 4% in 2024, against two in 2023

There are then seven contracts whose rates served are between 3.05% and 3.5%, including those of two banks (Société Générale and Crédit Agricole) and four mutuals (MACSF, MIF, Carac and Garance), which have Taken into the habit of “trushing” the top of the rankings in recent years thanks to their more diverse and dynamic portfolios than the average. Ex-aequo in third place, the very recent Euros Placement-direct.fr fund (on the EURO+Placement Direct Contract) and Mutualist France (on the Actépargne 2 contract) are a hair to do as well as the booklet A In 2024 (3%), with a served rate of 3.6%, or 2.98%net of social security contributions (17.2%).

Finally, at the top of the race, mutual amplifier (amplifier life insurance contract) which maintained a rate of 3.75% between 2023 and 2024, and the Corum group – already first in the 2023 classification – which managed to increase its rate by 4 , 45% to 4.65% on its new Euros fund accessible via its Corum Life contract. In addition to their performance, these contracts also have an interest in terms of charges taken: seven do not apply to your payments, in euros funds, and management fees (on euros as on account units, UC) are all less than 1%.