Booklet A remains one favorite investments of the French. With a net remuneration of 3% throughout 2024, it continues to appeal thanks to its simplicity and lack of risk. However, some investments offer higher returns.
Investments that yield more than Livret A
Life insurance in euro funds, for example, remains renowned for the security it guarantees to the invested capital. It posted an average return of 2.50% in 2024, according to Facts & Figures. This figure remains lower than the Livret A rate.
On the other hand, certain contracts managed to stand out with performances well above this average. To compete with Livret A, euro funds must display a gross rate greater than 3.65%once social security contributions (17.2%) are deducted, underlines Capital.
This bar remains necessary to exceed the 3% net offered by Livret A. “And it turns out that some contracts have succeeded”details the media. At the top of the list of best returns, the Corum Life fund, from the Corum group, made an impression.
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Indeed, it distributed an impressive performance of 4.65%, or 3.85% net of social security contributions. This result makes it the most profitable guaranteed capital investment of the year. Other contracts have also knew how to do well against Livret A.
Ampli Mutuel, with its Ampli Assurance Vie contract, offered a rate of 3.75%, or 3.1% net. It thus narrowly exceeded Livret A. France Mutualiste, for its part, came close to this symbolic bar with an attractive yield of 3.60%.
Points to take into account
On the other hand, it stands just below at 2.98% net. Some contracts offered even higher rates thanks to bonuses conditioned by partial investment in units of account (UC), riskier supports.
-For example, Primonial’s Security Infra Euro fund posted a rate of 3.5%. On the other hand, this return was able to reach 5% for savers who invested at least 50% of their payment in UC.
Similarly, Société Générale's Sequoia and Ebène contracts offered respective returns of 4.53% and 4.75% with the maximum bonus of 1.5%. On the other hand, these performances remain linked to risk-taking, assures Capital.
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And for good reason, units of account expose savers to potential capital losses. Despite attractive returns, life insurance in euro funds is all the same faced with numerous constraints.
Unlike the Livret A, earnings remain subject to social security contributions. And, in some cases, additional taxation. Furthermore, contracts with high bonuses often require partial UC investment.
So, this may not be suitable for all profiles, reports Capital. For savers looking for a completely secure and accessible investment, the Livret A still remains a safe bet.
On the other hand, those who wish to optimize their returns can find in the best life insurance contracts an interesting alternative.
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