Understanding the performance ofEuro fundsin 2024–26 supposes to go further than the figures displayed: what you actually perceive always depends on fees and inflation. Given the variety of contracts available and the security promises put forward, it is best to identify the nuances that matter and adjust its approach calmly to strengthen itsheritage managementwithout sacrificing the tranquility or accessibility of your savings.
Summary of key points
- ✅ The real performance of euro funds depends on costs and inflation.
- ✅ 2024 returns range from 2% to 4.65%, with bonuses depending on the share of units of account.
- ✅ It is crucial to compare contracts to optimize safety, cost and cost-effectiveness.
What are the real returns of the euro funds in 2024/2026?
From the first glance, in 2024 most euro funds posted gross rates ranging from 2% to 4.65%, with increases reserved for the best performing contracts or those that included a share of units of account (UC). Among the most appreciated funds – such as Mutual Amplify or Carac – there are yields ranging from 3.30% to 3.75%. This rate panel feeds legitimate questions: how to locate them? Are interest actually preserved or driven by costs and inflation?
Taking account of the forecasts shared by Avenue des Investisseurs and Meilleurrates, the euro funds managed rigorously should continue a moderate increase: from 2.75% to 4.5% by 2026, with a possible bonus if the share of the UC exceeds 30%. For the entire market, the national average remains lower – generally between 2% and 3% gross. To illustrate: place 50,000 € in a fund of 2% versus one to 4%, it is obtain more than5 000 €additional interest over five years.
| Contract/Fund | Rate 2024 (gross) | UC bonus possible | Management costs |
|---|---|---|---|
| Mutual Amplifier | 3,75 % | No (monossupport) | 0,7 % |
| Carac | 3,30–3,55 % | Yes | 0,7 % |
| MACSF | 3,10 % | No | 0,6 % |
| Linxea Spirit 2 | 2,90–4,10 % | +1 % if ≥ 50 % UC | 0,50–0,70 % |
| Booklet A (reference) | 2,40 % | 0 % |
The rates presented are all before subtracting management costs (usually between0.5 % and 1 %) and social levies. The net yield is therefore likely to decrease, but often remains within the range1,5–3,5 %. This is true for the almost totality of recent contracts, according to the latest publications by Meilleurtaux, Linxea, Avenue des Investisseurs or even independent experts like Mingzi.
So, do we have to see a frank return to safe remuneration in 2024–26? This seems to be confirmed, provided that its contract is selected with discernment and not satisfied with an old or too standardised product. Together, competition remains the most relevant reflex not to miss out on the best solutions of the moment.
How to compare and choose your contract?
Finding the euro fund is regularly a subtle game of balance between solid security, attractive bonuses and vigilance over indirect costs. Taking the time to compare is primarily about looking closely at the cost structure, access to the euro fund (is it possible for the entire investment?), and options to improve profitability... even opting for a well-measured part of the UC according to your profile.
The criteria that make the difference: fresh, bonus, UC share, liquidity
Some benchmarks that really help when choosing:
- Level of management fees: it fluctuates between0.5 % and 1 %Most often, naturally reducing initial performance. Many Heritage Advisors suggest targeting contracts where these costs remain under the control of0,70 %.
- The impact of UC bonuses: accept to place 30 to 50% in units of account often offers an additional return of+0.5 % to +1.2 %, provided that the risk tolerance is well weighed. Some savers report that they prefer this option in the growth phase.
- Access to pure euro fundsSome contracts such as Ampli or MACSF guarantee 100% secure savings, but without UC bonuses; useful for those who prefer prudence before performance.
- Flexibility of withdrawalsA good option is to withdraw a portion of its savings (even after 8 years), without excessive penalty: this point is often put forward by heritage professionals to their flexible clients.
More concretely, it can be observed that a Linxea Spirit 2 contract, for example, offers the possibility of maximizing its performance beyond4 per centwith half of the UC, where a completely euro fund such as Ampli tends to cap around3,75 %. So it's not just the return that's important: it's about choosing a contract that's in line with your savings philosophy... A manager recently pointed out that too many subscribers forget this decisive factor in their approach.
Simulators and rankings: valuable tools for deciding
Using a simulator makes it possible to visualize the consequences of fees, UC bonuses or taxation on the evolution of your savings. On Linxea or Meilleurtaux, there are interactive simulators and tables where everyone can ask: « If I withdraw after 7 years or 15 years, what net result would I achieve? ». Some heritage professionals consider these tools essential for refining the strategy, especially when there are several alternatives to the contract.
Euro funds, security and alternatives
Why do so many French people maintain their preference for Euro funds? In reality, it is a reassuring reflex – you place your money, interest is earned on each payment (a well-known click effect), and the capital entrusted to the insurer remains guaranteed, except for the UC share sometimes. Some customers say that this mechanism really allows them to sleep on both ears and to cope with market uncertainty more serenely.
Click effect and guarantee of capital: two essential protections
On the ground, the click effect permanently locks the annual gains, even in the event of market decline or if the contract lasts 10, 20 years. Withdrawals remain allowed at any time (except for fees), offering liquidity appreciated, often compared by experts to alternatives such as the RIP or the SCPI, which are considered less flexible since they frequently immobilize savings. Sometimes an investor realizes that this facility completely changes its management over time.
In 2024, Booklet A always delivers2.40% net, but remains limited by a ceiling22 950 €the sum per saver. When a euro fund rivals or exceeds this return, it also benefits from free ceilings and soft taxation after eight years (4 600-9 200 € exempt interest, depending on the situation). Some brokers recall that this « combo » is not visible in conventional comparators.
What if the yield weakens too much? Other secure solutions exist
When the return of euro funds declines against inflation, it may be relevant to consider diversification. For example, a successful RIP (Retirement Savings Plan) is now being used2.5 % to 4.5 %According to the profiles, while SCPI (Civil Real Estate Companies), which are integrated into units of account, sometimes provide additional returns provided that the level of risk is adapted to his/her personal situation. A trainer pointed out that the right balance is not the quest for « higher rate », but the ability to combine security and dynamism over the long term (and this is not always obvious, let us admit).
To better understand the subtleties of 2024 returns and secure your savings, discover our comprehensive guide onfunds in euro life insurance: secure your savings and understand how it works.
To complete your heritage strategy in 2024, discoverWhat to invest in in 2024: guide to optimize your savings without unnecessary risk takingand maximize your investment opportunities.
To diversify your investments and maximize your returns, find out howLife insurance unit of account: understand, choose and secure your savingscan complement traditional euro funds.
Good to know
I recommend that you not only look for the best rate, but adapt your strategy to the security and dynamics of your long-term savings.
Tools and documentation
Exploring all the subtleties of a contract, management options and arbitrations is sometimes a real puzzle. Yet, in 2024, the literature became much more extensive – in-depth guides, participatory FAQs, interactive simulators abound, thus facilitating both comparison and decision-making, especially for those who start or seek to optimize their heritage.
Simulators, FAQs, testimonials: Make your choices easier in just a few clicks
Most specialized brokers such as Linxea, Meilleurtaux or some independent media (Investors' Avenue, Mingzi) make available simulatrices, online comparatives and guides to accompany arbitration and make accessible the key concepts (dynamics, managed management, transfer law Pact...). Client feedback can also be found on Trustpilot (average score of4,7/5for Better rates), referring to the quality of the council or speed of execution. This kind of sharing regularly allows you to cross the course, especially when a subscriber potential hesitates to commit.
Some people have fun simulating extreme situations: « With 50,000 € investment in 8 years, without payment costs, and 1% UC bonus each year, what net tax is the final result? ». In other words, the actual situation is sometimes the best click, much more instructive than an annual ranking.
Download guides, help center: continuous support
Looking for a summary table or definitions of cliquet effect, arbitration or taxation? Online guides and help centres are now up to date several times a year: they provide the solution at every stage of the journey – subscription, arbitration, balance sheet, or even anticipation of succession. It is noted that some users prefer to prepare their choice via these resources before any exchange with their heritage advisor.
And if there is any doubt, take the liberty of joining a specialist advisor: human accompaniment remains, as it seems, a major asset in the face of tool automation alone.
- Life Insurance Performance Simulator (Best): practical to quickly test various scenarios and anticipate real performance based on bonuses and options.
- Annual ranking and guide (Investors' income): useful for identifying the most cited contracts, reading expert analyses or comparing costs.