Have you subscribed to a retirement savings plan (PER) and placed all of your capital in the euro fund of your contract? A very bad calculation in a period of high inflation because this guaranteed capital support should – on a PER like life insurance – not serve more than 2 to 2.50% on average in 2023. During this time, the rise in prices should be close to 6% over the entire current year.
This differential works against you: in fact, the real rate (yield – inflation) of your PER will appear in the bright red in 2023… unless you make some adjustments. Our reader Samuel, who opened a plan in 2020, understood this well and sought the expertise of Charlotte Thameur, consulting director at Yomoni, in the “Grand meeting of savings” (Capital / Radio Patrimoine).
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Stocks, ETFs, Private Equity, real estate…
To protect their savings from inflation and get through retirement, our reader can rely on numerous profitable units of account. Charlotte Thameur recalls in this regard that “the PER is an open architecture envelope, with many qualitative equity funds, AND F (trackers, index funds, editor’s note), private equity (investment in unlisted assets, editor’s note), real estate”. So many supports that can allow you to beat rising prices and thus preserve your purchasing power.
And our expert reminds us that if your investments matter, choosing the right PER is also essential. And “pay attention to the costs»which can significantly affect the overall performance of your retirement savings plan.
PER or life insurance: which one to choose to prepare for retirement?
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