The preferred placement of the French. We no longer present life insurance, which regained its colors after the Covid-19 crisis in 2021 and which continues to receive money from the French. According to UFC-Que Choisir, 53 million life insurance contracts are currently held by the French and those who have chosen euro funds could have disappointments at the end of this year, when taking stock.

“2022 should not be a great year”, announces the association already on its site, adding that “the returns on euro funds should all be negative in view of galloping inflation”. It is still a little early to know the performance of life insurance this year, insurers have not yet revealed their figures, but this decline would not be a surprise either. The consumer association recalls that the euro fund has experienced a historic drop in bond rates in recent years, falling from 5.8% in 1997 to 1.28% in 2021, according to data from the Cercle de l’pargne. As a result, many French people have turned to unit-linked units, where their money is invested in shares that provide no capital guarantee.

In 2021, recalls UFC-Que Choisir, the rates of bond products rose sharply, a first since the 1980s. Quoting the economist Philippe Crevel, the association explains that the 2022 yields could be part of a dynamic ” strongly negative rates”. On the contrary, they could also benefit from the “rise in interest rates”. The answer will be given at the beginning of 2023.