Euro
fund
A capital-guaranteed investment to secure your financial savings with a stable return.
- From 500 EUR with Investisseur Privé.
- Guaranteed capital.
- Attractive bonus when held via life insurance.
The euro fund in 3 points
A capital-guaranteed asset within your life insurance or PER to secure part of your savings.
The euro fund guarantees your invested capital (excluding management fees). Your savings cannot decrease.
Interest is distributed each year and permanently locked in (ratchet effect).
Mainly composed of government and corporate bonds, the euro fund offers implicit diversification.
Increase the return on the euro fund held in your life insurance thanks to the bonus
The bonus is an enhancement of the return on the euro fund invested through your life insurance contract. It is vested and guaranteed, depending on the insurer's commercial offer, its purpose being to encourage new contributions and retain you. Concretely, the return on your euro fund can reach up to 5% after bonus.
Advantages of the euro fund
The advantages of the euro fund.
Average minimum investment of 500 euros.
Capital guarantee without daily devaluation.
Interest permanently locked in each year: ratchet effect.
Availability of invested sums with or without withdrawal penalties depending on the tax wrapper.
Liquidity of euro funds.
No management required: the insurer manages the euro fund.
Potential increase in return thanks to the bonus.
Eligible for multiple tax wrappers: life insurance, PER, capitalization contract and employee savings.
For individuals and legal entities, depending on the wrapper.
Constraints of the euro fund
The constraints of the euro fund.
Limited annual return, around 2.5% excluding any bonus.
Management fees from some insurers that can further reduce the return.
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Characteristics of the euro fund
The guaranteed asset to secure your financial savings.
Asset type
Capital-guaranteed unit-linked
Capital guarantee
Yes (excluding management fees)
Composition
Government bonds, corporate bonds, real estate, equities (in limited proportion)
Return
Variable depending on years and contracts (2% to 4% on average)
Eligible wrappers
Life insurance, PER
Liquidity
Available at any time
Suited for
Precautionary savings, cautious profile, diversification
Your tax wrappers
for investing in euro funds
With Investisseur Privé, choose the best wrapper to invest in euro funds.
01
Life insurance
Invest in euro funds through your life insurance and benefit from advantageous taxation.
02
PER
Secure part of your retirement savings with the euro fund.
03
Capitalization
The capitalization contract is also eligible for the euro fund.
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Invest in the best euro fund
Investisseur Privé selects the best euro funds on the market for you:
- Comparison of returns and proposed bonuses.
- Analysis of management fees and conditions.
- Support in subscription and monitoring.
Understanding the euro fund
Educational content to learn about the euro fund: articles, white papers, newsletters, videos and webinars.
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Products similar to the euro fund
In addition to the euro fund, other assets and wrappers are available to secure and diversify your investments.
Life insurance
Life insurance combines flexibility, tax advantages and diversified management. The euro fund is one of its main components.
Target-date bond fund
A fixed-maturity fund investing in bonds with a known target return.
Structured product
A product combining known profitability, coverage level and maturity.
Life insurance
Life insurance combines flexibility, tax advantages and diversified management. The euro fund is one of its main components.
Target-date bond fund
A fixed-maturity fund investing in bonds with a known target return.
Structured product
A product combining known profitability, coverage level and maturity.
Frequently asked questions about the euro fund
Want to understand the euro fund? Here are the answers to your questions.
Capital is guaranteed by the insurer (excluding management fees), making it one of the safest investments. However, the return is not guaranteed and may vary from year to year.
The return varies by contract and year. In 2024, the best euro funds offered between 3% and 4%. Selecting the right contract is therefore essential.
Yes, the euro fund offers total liquidity. You can make partial or full withdrawals at any time, subject to processing times.