A very high return without risk taking: an a priori contradictory proposal, but which is indeed the promise of a new life insurance contract launched, this Monday, September 22, by the Bestaux broker, in partnership with Mutualist France. On the part invested in euros funds -that is to say with a guarantee of your capital -it is indeed possible to take advantage of a “boost” (bonus) of yield of 1.4% in 2025 and 2026. Knowing that mutualist France served a yield of 3.6% in 2024 on its other life insurance contracts, so it can be hoped for a total performance of 5% of the market this year.
Like other mutuals, France mutualist is used to “trushing” the top of the ranking of the best rates distributed on euros funds. A performance which is explained in particular by the composition of its support for guaranteed capital. On its largest part – made up of bonds -, it is more invested in business bonds (46%) than on debt securities issued by states (12%). A strategy with the count of the market, which is bearing fruit: “The advantage during the low rate period (2013-2022, Editor’s note) is that we reinvested in corporate bonds at 2%, when those of the States were at 1%. And today, we invest at rates above 4%, when the French OAT is 3.5%”explains Florian Boursier, managing director in charge of the strategy of mutualist France.
Invest at least 30% of its capital in UC with each payment
But if it is possible to hope for a high return on the share of your money placed in a secure manner, it will however be necessary to accept to take some risks with the rest of your capital. To benefit from the bonus, it will indeed be necessary, with each payment, to guide at least 30% on risky supports, which are called account units (UC), and which can be invested in shares, real estate, companies not listed on the stock market, etc. However, it remains possible to play security with its UCs, for example by choosing poorly risky monetary or bond funds. Conversely, we can also take advantage of this pocket to aim for a higher return: this new contract will in particular propose to invest in gold or in a fund dedicated to the financing of the defense industry (in SMEs and ETI not listed on the stock market).
Another difficulty not to neglect: this contract is only offered in free management. Impossible, therefore, to delegate management to a professional. You will have to stick there, and this is not within everyone’s reach. Nothing blocking for Patrick Thiberge, Managing Director of Best Investment: “For the risky UCs, such as the fund invested in the defense that we offer, our advisers are there to recall that this is investments that need a long horizon, and that they must not exceed a certain proportion in the portfolio (10% for example for the unlisted). There is also a call every quarters between customers and a telephone advisor to take stock of their allowance. ”
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