Life insurance costs continue to fall, at the request of savers! Placement-direct Vie shows all its adaptability by lowering its costs.
Life insurance ETFDirect investing
Published on Monday October 28, 2024 par Denis Lapalus
Announcement
EURO+, the euro fund to follow
The EURO+ euro fund offered by Swiss Life published an annualized performance of +4.10% in 2023without performance bonuses or other marketing artifice. Accessible via the EURO+ Direct Placement single-support life insurance contract. No fees on paymentsonly 0.60% management fees, this EURO+ contract can be considered as one of the best risk-free savings plans. The bond portfolio of the EURO+ fund showed a actuarial yield of 5.56% at the end of 2023!.
Life direct placement: the contract is evolving positively
Notable evolution of the Direct Placement Life life insurance contract: management fees relating to ETFs are significantly lowered (from 0.8% to 0.5%), in order to position themselves at the level of the cheapest life insurance contracts on the market to invest in ETFs (Lucya CARDIF, Linxea Spirit 2).
ETF: Direct Placement Life direct competitor of Linxea Spirit 2
After Lucya CARDIF, the Linxea Spirit 2 contract was until now popular for investments in ETFs via life insurance. Placement-direct Vie, a contract insured by SwissLife, intends to play havoc by significantly lowering its management fees on ETFs. Thus, this contract, acclaimed by the financial press, is aligned with the competition, at the request of savers.
Direct placement Life, place for ETFs
- Management fees on ETFs: 0.50%
- ETF transaction fees: 0.10%
- Number of accessible ETFs: 55
Gilles Belloir, Managing Director of Placement-direct.fr, indicates: “ Index management today occupies a central position in the investment choices of the French. By significantly lowering the annual management fees on the ETFs of our Placement-direct Vie contract, we are proving our ability to develop our offering to meet the new expectations of savers. ».
Management fees on ETFs drop by more than 37%
By increasing its management fees on ETFs from 0.8% to 0.5%, the Placement-direct Vie contract, more generous in terms of the diversity of ETFs offered than its competitor Linxea Spirit 2, should attract savers wishing to invest regularly in ETFs.
Life insurance: best contracts for investing in ETFs
| TOP | Life Insurance (contracts) | Number of ETFs eligible for the contract | Fees on ETF (UC Management + ETF Transactions) | Payment fees |
|---|---|---|---|---|
| (1): Fees on contract payments. Specific fees generally apply in addition when buying and selling ETFs. These fees most often appear as an increase in the closing price of the asset when purchasing, and a reduction when selling. Arbitration fees on trackers are specific. The insurer's remuneration is made solely from this commission. Non-exhaustive list of contract offerslife insurance of the market. This comparative table is presented sorted by the total amount of fees on payments and management/transaction fees relating to ETFs, then by the number of ETFs available on each contract. Information provided for informational purposes only. | ||||
| ????1 |  ASSURANCEVIE.COM Lucya Cardif | 50 | 0,50 % | 0,00 % |
| ????2 |  PLACEMENT DIRECT Placement Direct Vie Only 3 days left to enjoy it!Offer to be entered before Thursday October 31, 2024. Up to 500 euros offered on your Placement-direct Vie life insurance contract! | 55 | 0,70 % | 0,00 % |
| ????3 |  LINXEA LinXea Spirit 2 | 43 | 0,70 % | 0,00 % |
| 4 |  BEST INVESTMENT FREEDOM LIFE | 40 | 0,70 % | 0,00 % |
| 5 |  MY SMALL INVESTMENT MY SMALL INVESTMENT (My Little Life Contract) | 18 | 0,80 % | 0,00 % |
Selection of the 3 best life insurance contract subscription offers
| TOP | OFFERS | DETAILS | LEARN MORE |
|---|---|---|---|
| Promotional offers are subject to conditions. | |||
| ???? 1 |  | Carac Épargne Patrimoine (CARAC) Up to €500 offered (under conditions). | ???? LEARN MORE |
| ???? 2 | | Direct Life Placement (SWISS LIFE INSURANCE AND PATRIMONY) Up to €500 offered for €50,000 paid. | ???? LEARN MORE |
| ???? 3 |  | Multisupport Free Savings Account (MIF) Up to €400 offered for €1,500 paid. | ???? LEARN MORE |
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