FOCUS – Savers must adapt to galloping inflation and find alternatives to their life insurance contracts.
Inflation forces individuals to look for other solutions to increase the return on their contracts. New products, profitable and presenting a measured risk, can enter the life insurance envelope.
● Bond funds
These products are making a comeback. These funds, which buy corporate debt to pay a return, can now offer 4% to 6% net to the saver. And subscriptions follow. “The band is the product of the moment. It’s easy to understand,” argues Frédéric Puzin, head of the management company Corum.
also readInvesting: the right plan for dated bond funds
These bond funds have a diversified portfolio. But the risk is not absent. It is related to the companies’ ability to repay their debts and thus the quality of the fund’s assets.
● Structured products with 100% guaranteed capital
With the rise in interest rates, these funds built around stock market indices (CAC 40, DAX, etc.) or baskets of shares have also regained some pep. They now offer a…