la politique monétaire de la BCE pour diluer les effets de l’inflation.

 

La composition du portefeuille des assureurs

Chaque assureur compose son propre portefeuille en assurance-vie et sélectionne les obligations qui font alors partie de la poche en fonds en euro.

Chaque assureur dispose du choix de conserver ses réserves d’obligations ou de les renouveler. Certains optent pour la conservation jusqu’à échéance : ces obligations sont celles qui ont été acquises au moment où les taux étaient inférieurs à 2%. D’autres assureurs décident de réaménager progressivement leur portefeuille, selon leur propre stratégie, mais ce processus se fait sur plusieurs mois, voire sur une durée plus longue.

 

Les cartes rebattues avec la remontée des taux

Il est donc possible d’atteindre 3% de rendement en fonds en euros pour 2024, dans ce contexte de remontée des taux. Ce, à condition toutefois de scruter la composition du portefeuilleLes assurances-vie ne fonctionnent plus avec des fonds en euros seuls, ces derniers étant combinés avec des unités de compte (UC) dans le but de booster les performances. Cependant, il est toujours important de connaître le rendement de ces fonds en euros – qui est d’ailleurs connu à l’avance, étant des supports garantis et stables. Avec la remontée des taux directeurs par la Banque centrale européenne (BCE), peut-on [...]

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