Articles contenant le tag assurance vie
Assurance vie en euros : performance 2009
Posté par Assurance vie dans Fonds en euros, Performance 2009 le 16 février 2010
Est ce que mon contrat me propose une performance optimale ? C’est sans doute la question la plus légitime que vous pouvez vous posez surtout si comme 85% d’entre nous vous avez placer l’essentiel de votre épargne sur le fonds euros de votre contrat d’assurance vie. En effet, outre les frais d’entrée souvent injustifiés (sauf s’ils sont adossés à un vrai accompagnement de votre conseil et qu’ils restent raisonnables) certains contrat proposent cette année encore de piètres performances. Voici donc un récapitulatif non-exhaustif des performances des fonds euros en 2009.
Vous noterez que Axeria Vie réussi encore à livrer plus de 5%, comme elle l’avait déjà fait en 2008 avec 5,25%.
| Compagnie | Contrat | Taux net 2009 | Taux net 2008 |
| Axéria (April Group) | Arborescence Opportunités (MS) | 5,01% | 5,25% |
| Axéria (April Group) | Axéria Opportunités (MS) | 5,01% | nc |
| Axéria (April Group) | Epargne Evolution (MS) | 5,01% | nc |
| Axéria (April Group) | Patrimoine Opportunités (MS) | 5,01% | 5,25% |
| Axéria (April Group) | Livret Patrimoine (MS) | 4,76% | nc |
| Axéria (April Group) | Version Essentielle (MS) | 4,76% | nc |
| Le Conservateur | Conservateur Helios Selection (MS) | 4,65% | 4,70% |
| Le Conservateur | PERP | 4,65% | 5,00% |
| Matmut Vie | Matmut Vie Epargne | 4,65% | 4,65% |
| MACSF | RES | 4,55% | 4,65% |
| BforBank (Crédit Agricole Assurances) | BforBank Vie (MS) | 4,50% | - |
| Le Conservateur | AREP | 4,50% | 4,70% |
| Le Conservateur | AREP Multisupport (MS) | 4,50% | nc |
| Le Conservateur | MIP Retraite (Madelin) | 4,50% | 4,70% |
| MIF (Mutuelle d’Ivry-La Fraternelle) | Compte Epargne Libre Avenir | 4,50% | 4,50% |
| MIF | Compte Epargne MIF | 4,50% | 4,50% |
| MIF | Compte Epargne Transmission | 4,50% | 4,50% |
| Carac | Entraid’épargne Carac | 4,40% | 4,60% |
| Matmut Vie | Matmut Vie Génération | 4,40% | - |
| Capma & Capmi (Monceau assurances) | Dynavie (MS) | 4,37% | 4,00% |
| SMAvie BTP | Batiretraite 2 | 4,37% | 4,63% |
| Maaf | Winalto et Winalto Pro (MS) | 4,31% | 4,51% |
| SAF BTP Vie | Billet Confiance | 4,30% | 4,30% |
| SAF BTP Vie | Livret Confiance | 4,30% | 4,30% |
| SAF BTP Vie | Multisupport Confiance (MS) | 4,30% | 4,30% |
| Carac | Compte Epargne Carac | 4,25% | 4,50% |
| Carac | Compte Epargne Famille | 4,25% | 4,50% |
| SMAvie BTP | Batiretraite Multicompte (MS) | 4,25% | 4,50% |
| Société Générale/Sogécap | Ebene (MS) | 4,25% | 4,25% |
| Barclays Bank | BarclaysMoovie (MS) | 4,20% | 4,40% |
| Empruntis/ACMN Vie | Épargne Plus (MS) | 4,20% | 4,60% |
| MACSF | RES Fonds de pension Avenir (MS) | 4,20% | 4,40% |
| Maaf | Compte Épargne Maaf | 4,16% | 4,56% |
| ACMN Vie (Crédit Mutuel Nord Europe) | ACMN Horizon Patrimoine (MS) | 4,15% | 4,45% |
| GMF | Altinéo | 4,15% | 4,40% |
| GMF | Certigo (MS) | 4,15% | 4,40% |
| GMF | Compte Libre Croissance | 4,15% | 4,40% |
| GMF | Multéo (MS) | 4,15% | 4,40% |
| UFG-LFP/ACMN Vie | Di@de.net | 4,15% | créé en 2008 |
| AFER/Aviva | Compte AFER (MS) | 4,12% | 4,36% |
| Banque Accord | Accord Avenir (MS) | 4,10% | 4,50% |
| Fidelity/Suravenir | Fidelity Vie | 4,10% | 4,50% |
| LinXea/Suravenir | LinxeAvenir (MS) | 4,10% | 4,50% |
| Meilleurtaux | Meilleurtaux Vie (MS) | 4,10% | 4,50% |
| Suravenir | Symphonis-Vie (MS) | 4,10% | 4,50% |
| Asac-Fapès/Generali | Epargne Retraite Multigestion (MS) | 4,07% | 4,38% |
| Mutex (UNPMF) | Livret Mutex II | 4,07% | 4,50% |
| Mutex (UNPMF) | Mutex Patrimoine (MS) | 4,07% | 4,50% |
| Mutex (UNPMF) | Passeport Madelin (MS) | 4,07% | 4,50% |
| Mutex (UNPMF) | Sésame Retraite Mutex (MS) | 4,07% | 4,50% |
| Mutex (UNPMF) | Tremplin Mutex | 4,07% | - |
| Altaprofits/e-cie vie/Generali | Altaprofits Vie (MS) | 4,05% | 4,45% |
| Asac-Fapès/Allianz | Epargne Retraite 2 | 4,05% | 4,43% |
| Asac-Fapès/Allianz | Epargne Retraite 2 Plus (MS) | 4,05% | 4,43% |
| Asac-Fapès/e-cie vie/Generali | Solid’R Vie (MS) | 4,05% | 4,45% |
| Boursorama | Boursorama Vie | 4,05% | 4,45% |
| Generali | E-novline (MS) | 4,05% | - |
| Generali | Generali Epargne (MS) | 4,05% | - |
| Generali | Himalia/Euro Innovalia | 4,05% | 4,60% |
| Generali | Xaélidia/Euro Innovalia | 4,05% | 4,60% |
| ING Direct/e-cie vie (Generali) | ING Direct Vie (MS) | 4,05% | 4,45% |
| La France Mutualiste | Actepargne 2 (MS) | 4,05% | 4,40% |
| LCL | Acuity (MS) | 4,05% | nc |
| ACM (Crédit Mutuel)/CIC Assurances | Plan Patrimonio (MS) | 4% | 4,10% |
| Caisse d’Epargne/Ecureuil Vie | Nuances Privilège (MS) | 4,00% | 4,10% |
| Carac | Carac Profiléo (MS) | 4,00% | nc |
| CNP Trésor | Horizon Performance | 4,00% | nc |
| Crédit Agricole Assurances | Espace Liberté (MS) | 4,00% | nc |
| Crédit Agricole Assurances | Floriane (MS) | 4,00% | 4,20% |
| Esca | Perle | 4,00% | 4,62% |
| Esca | Tryptique (MS) | 4,00% | 4,62% |
| La Banque Postale | Cachemire (MS) | 4,00% | 4,10% |
| MMA | ADIF Epargne | 4,00% | 4,20% |
| MMA | ADIF Optimum (MS) | 4,00% | 4,20% |
| MMA | Long Cours (MS) | 4,00% | 4,20% |
| MMA | MMA Croissance | 4,00% | 4,20% |
| MMA | MMA Multisupports (MS) | 4,00% | 4,20% |
| Mutavie (Macif) | Actiplus | 4,00% | 4,30% |
| Mutavie (Macif) | Actiplus Option (MS) | 4,00% | 4,30% |
| Quilvest Banque Privée/ACMN Vie | Quilvest Proxivie (MS) | 4,00% | 4,45% |
| Suravenir | Patrimoine Options (MS) | 4,00% | 4,20% |
| LCL | Rouge Corinthe série 3 (MS) | 3,95% | 4,15% |
| AXA France | Arpèges (MS) | 3,90% | 4,30% |
| AXA France | Capital Ressources (MS) | 3,90% | 4,30% |
| AXA France | Odyssiel (MS) | 3,90% | 4,30% |
| AXA France | Privilège (MS) | 3,90% | 4,30% |
| BNP Paribas Assurance | BNP Paribas Multiplacements Privilège (MS) | 3,90% | 4,10% |
| Gaipare/Allianz | Gaipare II (MS) | 3,90% | nc |
| Gaipare/Allianz | Gaipare Croissance (MS) | 3,90% | nc |
| Gaipare/Allianz | Gaipare Select (MS) | 3,90% | 4,15% |
| Gaipare/Allianz | Gaipare Sélection (MS) | 3,90% | 4,15% |
| Gaipare/Allianz | Gaipare Selectissimo (MS) | 3,90% | 3,90% |
| Gaipare/Allianz | Livret Gaipare (MS) | 3,90% | 4,15% |
| Gan Assurances | Chromatys (MS) | 3,90% | 4,60% |
| Gan Patrimoine | Gan Patrimoine Stratégies (MS) | 3,90% | 4,60% |
| Groupama | Groupama Modulations (MS) | 3,90% | 4,60% |
| Parnasse Maif | Libre Cap (MS) | 3,90% | 4,14% |
| Parnasse Maif | Nouveau cap | 3,90% | 4,20% |
| Skandia | Skandia Archipel (fds Euro Select) | 3,90% | 4,05% |
| Skandia | Skandia Archipel (fds Sélection Rendement) | 3,90% | 4,20% |
| Swiss Life | Swiss Life Liberté (MS) | 3,90% | 4,26% |
| Swiss Life | Swiss Life Liberté Plus (MS) | 3,90% | 4,26% |
| Swiss Life | Swiss Life Référence Retraite (MS) | 3,90% | 4,26% |
| Swiss Life | Swiss Life Strategic Plus (MS) | 3,90% | 4,26% |
| AGIPI/AXA France | CLER (MS) | 3,85% | 4,20% |
| BNP Paribas Assurance/CGPI | Cardif Multiplus 3 (MS) | 3,77% | 4,00% |
| AG2R La Mondiale | Mondiale Vivépargne (MS) | 3,75% | nc |
| AG2R La Mondiale | MultiPrima (MS) | 3,75% | nc |
| Caisse d’Epargne/Ecureuil Vie | Initiatives Plus (MS) | 3,75% | 3,70% |
| Caisse d’Epargne/Ecureuil Vie | Nuances Plus (MS) | 3,75% | 3,70% |
| ACMN Vie/courtiers | Profil Privé Patrimoine (MS) | 3,70% | 4,05% |
| CNP Trésor | CNP Trésor projets | 3,70% | nc |
| Crédit Agricole Assurances | Predissime 9 (MS) | 3,70% | 3,90% |
| Gan Assurances | Libertance | 3,70% | 4,50% |
| Gan Patrimoine | Libregan | 3,70% | 4,35% |
| Groupama | Groupama Epargne | 3,70% | 4,50% |
| La France Mutualiste | ARES (PERP) | 3,70% | 3,70% |
| LCL | Lionvie Vert Equateur (MS) | 3,70% | 3,90% |
| Skandia | Skandia Archipel (fds Pérennité Opportunités) | 3,70% | 4,00% |
| Skandia | Skandia Archipel (fds Pérennité Diversifié) | 3,70% | 4,00% |
| Suravenir | Myrialys-Vie (MS) | 3,70% | nc |
| Allianz France | AGF Itinéraires Epargne (MS) | 3,60% | 4,10% |
| Allianz France | Allianz Itinéraires Retraite TNS (MS) | 3,60% | nc |
| Allianz France | Idealis (MS) | 3,60% | 4,10% |
| Allianz France | Idéavis (MS) | 3,60% | 4,10% |
| Allianz France | Tellus/Tellus Avenir/Tellus Avenir TNS (MS) | 3,60% | 4,10% |
| Allianz France | Yearling Access (MS) | 3,60% | 4,00% |
| AREP/La Mondiale Partenaire | AREP Multigestion (MS) | 3,60% | 4,00% |
| BNP Paribas Assurance | BNP Paribas Multiplacements Avenir (MS) | 3,60% | 4,00% |
| Caisse d’Epargne/Ecureuil Vie | Aïkido (MS) | 3,60% | 3,50% |
| Caisse d’Epargne/Ecureuil Vie | Livret Assurance Vie | 3,60% | nc |
| Caisse d’Epargne/Ecureuil Vie | Nuances 3D (MS) | 3,60% | 3,50% |
| Caisse d’Epargne/Ecureuil Vie | Nuances Grenadine (MS) | 3,60% | 3,50% |
| Caisse d’Epargne/Ecureuil Vie | Ricochet | 3,60% | 3,50% |
| Caisse d’Epargne/Ecureuil Vie | Yoga | 3,60% | 3,50% |
| Generali | Himalia/AGGV | 3,60% | 4,30% |
| Generali | Xaélidia/AGGV | 3,60% | 4,30% |
| La Banque Postale | Vivaccio (MS) | 3,60% | 3,70% |
| BNP Paribas Assurance | BNP Paribas Multiplacements 2 (MS) | 3,56% | 3,84% |
| ACM (Crédit Mutuel)/CIC Assurances | Livret Avenir | 3,55% | 3,80% |
| ACM (Crédit Mutuel)/CIC Assurances | Plan Assur Horizons (MS) | 3,55% | 3,85% |
| ACMN Vie (Crédit Mutuel Nord Europe) | ACMN Avenir (MS) | 3,55% | 4,00% |
| Suravenir | Fédéral Options (MS) | 3,55% | nc |
| Suravenir | Myrialis-PERP (MS) | 3,55% | nc |
| Suravenir | Prévi-Action (MS) | 3,55% | nc |
| Suravenir | Prévi-Horizons (MS) | 3,55% | nc |
| Suravenir | Prévi-Options (MS) | 3,55% | 4,00% |
| AXA France | Expantiel (MS) | 3,50% | 4,05% |
| AXA France | Figures Libres (MS) | 3,50% | 4,05% |
| Crédit Agricole Assurances | Cap Découverte (MS) | 3,50% | 4,00% |
| Generali | Exel Multisupport (MS) | 3,50% | 4,22% |
| Generali | Phi | 3,50% | 4,22% |
| Generali | Profil Epargne | 3,50% | 4,22% |
| La Banque Postale | Solesio Vie (MS) | 3,50% | 3,50% |
| Société Générale/Sogécap | Epicea (MS et PERP) | 3,50% | 3,50% |
| Société Générale/Sogécap | Palissandre (Madelin et MS) | 3,50% | 3,50% |
| CNP Trésor | CNP Trésor Générations | 3,40% | nc |
| Mutavie (Macif) | Livret Vie | 3,40% | 3,70% |
| Mutavie (Macif) | Livret Vie Option (MS) | 3,40% | 3,70% |
| Suravenir | Avantages Capitalisation | 3,40% | nc |
| LCL | Lionvie Jaune Saison | 3,30% | nc |
| Suravenir | Prévi-Retraite | 3,25% | nc |
| Suravenir | Prévi-Retraite 2 | 3,25% | nc |
| Generali | Xaélidia/Euro Epargne | 3,20% | 4,22% |
| Caisse d’Epargne/Ecureuil Vie | PERP Caisse d’Epargne | 3,00% | 3,50% |
| Generali | Exel | 3,00% | 4,02% |
| Generali | Himalia/Epi | 3,00% | 4,02% |
| Generali | Préférence | 3,00% | 3,85% |
