15 days to pay into the Suravenir Opportunites et Rendement funds

The euro funds Suravenir Opportunits and Suravenir Rendement will soon no longer be accessible for payments. Their successors, the Suravenir Opportunits 2 fund and Suravenir Rendement 2 will take over from 1 April. You therefore have 15 days left to make your payments on the current euro funds.

Suravenir, the life and provident insurance subsidiary of the Crdit Mutuel Arka group, has decided to close access to new payments into the Suravenir Opportunites and Suravenir Rendement euro funds. At the same time the funds will be launched Suravenir Opportunities 2 and Suravenir Yield 2. The main change is that we are moving to a gross guarantee of annual management fees on Suravenir Rendement 2, as most market players have already done, and to a 97% partial guarantee on Suravenir Opportunits 2, MoneyVox Bernard Le Bras recently explained. , Chairman of the Board of Directors of Suravenir. As of April 1, payments will go into these funds in euros. If you wish to make deposits into the Suravenir Opportunits and Suravenir Rendement funds in euros, you still have a few days left.

Life insurance: Suravenir’s trick to save your euro funds

The Opportunities fund, how did it work?

Suravenir Opportunits is a dynamic euro-denominated fund insured by Suravenir, the life and provident insurance subsidiary of the Crdit Mutuel Arka group, created in 2012. Composed of a bond portfolio – necessary to guarantee the capital – representing at least 50% of the fund, the balance is invested in diversified supports (real estate, equities and structured products) to seek performance. To fund it, you must make a new payment of which at least 50% on unit-linked media. In 2021, his net compensation was 1.80%. Opportunities 2 may show a negative return and the insurer will take annual management fees between 0.60% and 3%.

Life insurance: Suravenir’s trick to save your euro funds

Retirement : save by paying less tax. 11 contracts compared

The Suravenir Rendement fund

Like Suravenir Opportunits, Suravenir Rendement leaves room for Suravenir Yield 2. Since January 1, 2020, each payment must include a minimum portion of 30% invested in unit-linked vehicles. The annual management fees, meanwhile, amount to 0.60% of the outstanding amount. Deposits and withdrawals are free of charge. In 2021, Suravenir Rendement posted compensation of 1.30% for free management and 1.60% for arbitration mandates or management under mandate.

As a reminder, Suravenir markets this fund in euros under several names: Suravenir Performance, General assets of Suravenir Where Suravenir Protectintended for different distribution channels: the Crdit Mutuel Arkea banking network, independent wealth management advisers (CGPI) and internet brokers.

Life insurance: comparison of offers

The contracts Fortuneo Vie, Linxea Avenir, Digital Vie and Better Life Placement Rates, in particular, offer the Suravenir Opportunits and Suravenir Rendement euro funds. Yomoni also gives access to the latter via his contract Yomoni Essential.

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