{"id":27365,"date":"2026-02-04T14:02:54","date_gmt":"2026-02-04T14:02:54","guid":{"rendered":"https:\/\/www.asquarepartners.com\/?p=27365"},"modified":"2026-02-04T14:33:33","modified_gmt":"2026-02-04T14:33:33","slug":"rendements-assurance-vie-le-palmares-2025-en-france","status":"publish","type":"post","link":"https:\/\/www.asquarepartners.com\/en\/rendements-assurance-vie-le-palmares-2025-en-france\/","title":{"rendered":"Rendements Assurance-Vie : Le palmar\u00e8s 2025 en France"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"27365\" class=\"elementor elementor-27365\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-63f3bb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"63f3bb7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6cab91b\" data-id=\"6cab91b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e8c429 elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6e8c429\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&#8217;Argus de l&#8217;assurance dresse son palmar\u00e8s 2025 des fonds en euros des contrats d&#8217;assurance-vie.\u00a0<\/p><p data-start=\"112\" data-end=\"432\">L\u2019assurance-vie reste un pilier majeur de l\u2019\u00e9pargne en France, avec <strong data-start=\"180\" data-end=\"217\">environ 19 millions de d\u00e9tenteurs<\/strong> et un encours total atteignant <strong data-start=\"249\" data-end=\"287\">2020 milliards d\u2019euros d\u00e9but 2025<\/strong>, d\u2019apr\u00e8s France Assureurs. <span data-start=\"315\" data-end=\"331\">Pr\u00e8s de 70 %<\/span> de ces sommes sont plac\u00e9es sur des <span data-start=\"367\" data-end=\"385\">fonds en euros<\/span>, qui continuent donc de jouer un r\u00f4le central.<\/p><p data-start=\"434\" data-end=\"673\">Pour l\u2019ann\u00e9e <strong data-start=\"447\" data-end=\"455\">2025<\/strong>, les premi\u00e8res estimations indiquent une <strong data-start=\"497\" data-end=\"539\">performance moyenne attendue de 2,65 %<\/strong> pour les fonds en euros, selon Facts &amp; Figures. Ce rendement serait <span data-start=\"608\" data-end=\"648\">l\u00e9g\u00e8rement sup\u00e9rieur \u00e0 celui de 2024<\/span>, qui s\u2019\u00e9levait \u00e0 2,60 %.<\/p><p data-start=\"675\" data-end=\"1051\">Les compagnies d\u2019assurance, mutuelles et groupes de protection sociale publient progressivement leurs taux de participation aux b\u00e9n\u00e9fices. Ces rendements, suivis et actualis\u00e9s au fil des annonces, sont pr\u00e9sent\u00e9s <strong data-start=\"887\" data-end=\"915\">nets de frais de gestion<\/strong> (hors pr\u00e9l\u00e8vements sociaux, sauf indication contraire) et peuvent inclure <strong data-start=\"990\" data-end=\"1003\">des bonus<\/strong>, avec des \u00e9carts variables selon les assureurs.<\/p><div><strong style=\"font-weight: bold;\">\u00a0<\/strong><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b06ee07 elementor-widget elementor-widget-heading\" data-id=\"b06ee07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quelques chiffres : <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c1ce35 elementor-widget elementor-widget-text-editor\" data-id=\"7c1ce35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><a href=\"#areas\">Ar\u00e9as Assurances<\/a><\/li><li><a href=\"#bnp\">BNP Paribas Cardif<\/a><\/li><li><a href=\"#cnp\">CNP Assurances<\/a><\/li><li><a href=\"#agricole\">Cr\u00e9dit Agricole<\/a><\/li><li><a href=\"#france\">France Mutualiste<\/a><\/li><li><a href=\"#generali\">Generali<\/a><\/li><li><a href=\"#macif\">Macif<\/a><\/li><li><a href=\"#maif\">Maif<\/a><\/li><li><a href=\"#suravenir\">Suravenir<\/a><\/li><li><a href=\"#swiss\">Swiss Life<\/a><\/li><\/ul><div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-85a556d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"85a556d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d229c0\" data-id=\"4d229c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4561aa2 elementor-widget elementor-widget-menu-anchor\" data-id=\"4561aa2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"areas\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3da9f29 elementor-widget elementor-widget-heading\" data-id=\"3da9f29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ar\u00e9as Assurances<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e992b8 elementor-widget elementor-widget-text-editor\" data-id=\"5e992b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ar\u00e9as Assurances confirme une strat\u00e9gie de stabilit\u00e9 assortie de taux bonifi\u00e9s.<\/p><ul><li>Rendement moyen du fonds euros :<ul><li>Taux moyen servi : 2,50 %<\/li><li>Net de frais de gestion, brut de pr\u00e9l\u00e8vements sociaux et fiscaux<\/li><li>Contrats concern\u00e9s :<br \/>Multisupport, Multisupport 3 et Ar\u00e9lia Multisupport (\u00e9pargne et retraite)<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Dispositif de taux bonifi\u00e9s selon l\u2019encours et la diversification :<ul><li>3,00 % \u00e0 partir de 5 000 \u20ac d\u2019encours avec \u2265 40 % UC<\/li><li>3,40 % \u00e0 partir de 5 000 \u20ac d\u2019encours avec \u2265 60 % UC<\/li><li>3,40 % accord\u00e9s sans condition d\u2019UC \u00e0 partir de<br \/>150 000 \u20ac d\u2019encours<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Rendements stables par rapport \u00e0 2024 :<ul><li>Politique de r\u00e9mun\u00e9ration reconduite depuis 3 ans<\/li><li>Paliers maintenus \u00e0 2,50 %, 3,00 % et 3,40 %<\/li><li>Objectif affich\u00e9 : r\u00e9mun\u00e9ration attractive et fid\u00e9lisante<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Positionnement march\u00e9 :<ul><li>Rendement moyen du march\u00e9 attendu en 2025 : 2,65 % (Facts &amp; Figures)<\/li><li>Ar\u00e9as se situe l\u00e9g\u00e8rement en dessous de la moyenne sur le taux de base,<br \/>mais comp\u00e9titif via les bonus d\u2019encour<\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ce626e elementor-widget elementor-widget-spacer\" data-id=\"1ce626e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fd605b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fd605b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fe766a2\" data-id=\"fe766a2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8542a38 elementor-widget elementor-widget-menu-anchor\" data-id=\"8542a38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"bnp\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6bef1c elementor-widget elementor-widget-heading\" data-id=\"e6bef1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">BNP Paribas Cardif<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ffd3b6 elementor-widget elementor-widget-text-editor\" data-id=\"9ffd3b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>BNP Paribas Cardif s\u2019inscrit en 2025 dans une logique de stabilisation des rendements, apr\u00e8s une forte hausse en 2023 puis un l\u00e9ger recul en 2024.<\/p><ul><li>Rendement moyen des fonds euros en assurance vie :<ul><li>Taux moyen servi : 2,92 % en 2025<\/li><li>En l\u00e9g\u00e8re hausse vs 2024 (2,90 %)<\/li><li>Au-dessus de la moyenne de march\u00e9 attendue en 2025 (2,65 % selon Facts &amp; Figures)<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Large diffusion d\u2019un rendement \u00e9lev\u00e9 :<ul><li>97 % des contrats ont per\u00e7u un rendement net et hors bonus d\u2019au moins 2,75 %<\/li><li>Quel que soit l\u2019anciennet\u00e9 du contrat ou son canal de distribution<\/li><li>Contrats concern\u00e9s : BNP Paribas Multiplacements Privil\u00e8ge,<br \/>BNP Paribas Multiplacements 2, Cardif \u00c9lite, Nova Strat\u00e9gies<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Politique de bonification sur les versements :<ul><li>Taux bonifi\u00e9s pouvant atteindre jusqu\u2019\u00e0 4,55 %<\/li><li>Bonifications appliqu\u00e9es sur les versements<\/li><li>Dispositif reconduit en 2026<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>PER \u2013 retraite suppl\u00e9mentaire individuelle :<ul><li>BNP Paribas Multiplacements PER et<br \/>BNP Paribas Multiplacements Privil\u00e8ge PER :<br \/>2,75 %<\/li><li>Cardif \u00c9lite Retraite :<br \/>2,65 %<\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8f617e elementor-widget elementor-widget-spacer\" data-id=\"c8f617e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d7413a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7413a6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b2c8a26\" data-id=\"b2c8a26\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7067897 elementor-widget elementor-widget-menu-anchor\" data-id=\"7067897\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"cnp\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29c6e99 elementor-widget elementor-widget-heading\" data-id=\"29c6e99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CNP Assurances<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78bd400 elementor-widget elementor-widget-text-editor\" data-id=\"78bd400\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>CNP Assurances joue \u00e0 nouveau la carte de la stabilisation en 2025, apr\u00e8s les hausses des taux de base observ\u00e9es en 2022 et 2023.<\/p><ul><li>Diversification encourag\u00e9e via des bonifications :<ul><li>Jusqu\u2019\u00e0 +1,02 pt sur les encours<\/li><li>Jusqu\u2019\u00e0 +2,00 pts sur les versements<\/li><li>Bonifications conditionn\u00e9es \u00e0 la part investie en unit\u00e9s de compte (UC)<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Produits distribu\u00e9s par La Banque Postale (LBP) :<ul><li>Cachemire 2 \u2013 S\u00e9rie 2 :<ul><li>100 % fonds euros : 2,30 % (stable)<\/li><li>\u2265 30 % UC : 2,99 %<\/li><li>\u2265 50 % UC : 3,22 %<\/li><\/ul><\/li><li>Cachemire Patrimoine \u2013 S\u00e9rie 2 :<ul><li>100 % fonds euros : 2,35 % (-0,05 pt)<\/li><li>\u2265 30 % UC : 3,06 %<\/li><li>\u2265 50 % UC : 3,29 %<\/li><\/ul><\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>R\u00e9seau Caisses d\u2019\u00c9pargne \u2013 taux de base stables :<ul><li>Nuances 3D :<ul><li>Taux de base : 2,05 %<\/li><li>30 % UC : 2,46 %<\/li><li>40 % UC : 2,67 %<\/li><li>50 % UC : 2,87 %<\/li><\/ul><\/li><li>Nuances Plus :<ul><li>Taux de base : 2,10 %<\/li><li>30 % UC : 2,52 %<\/li><li>40 % UC : 2,73 %<\/li><li>50 % UC : 2,94 %<\/li><\/ul><\/li><li>Nuances Privil\u00e8ge :<ul><li>Taux de base : 2,30 %<\/li><li>30 % UC : 2,76 %<\/li><li>40 % UC : 2,99 %<\/li><li>50 % UC : 3,22 %<\/li><\/ul><\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>PER \u2013 retraite suppl\u00e9mentaire :<ul><li>Cachemire PER (La Banque Postale) :<ul><li>Taux de base : 2,55 % (stable)<\/li><li>&gt; 50 % UC : 3,57 % (vs 3,83 % en 2024)<\/li><\/ul><\/li><li>PER Perspective \u00c9pargne Retraite :<ul><li>Taux de base : 2,55 %<\/li><li>&gt; 50 % UC : 3,57 % (vs 4,05 %<\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb16996 elementor-widget elementor-widget-spacer\" data-id=\"bb16996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a854465 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a854465\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6d6c954\" data-id=\"6d6c954\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9579930 elementor-widget elementor-widget-menu-anchor\" data-id=\"9579930\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"agricole\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89d9680 elementor-widget elementor-widget-heading\" data-id=\"89d9680\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dit Agricole<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8b1380 elementor-widget elementor-widget-text-editor\" data-id=\"a8b1380\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cr\u00e9dit Agricole Assurances marque le pas en 2025, avec des taux de base en recul de 0,25 point sur l\u2019assurance-vie, et une baisse plus limit\u00e9e sur les produits de retraite.<\/p><ul><li>R\u00e9seau Cr\u00e9dit Agricole \u2013 contrat Ana\u00e9 :<ul><li>Taux de base : 2,70 % (vs 2,95 % en 2024)<\/li><li>L\u00e9g\u00e8rement au-dessus de la moyenne de march\u00e9 attendue (2,65 %)<\/li><li>30 % UC : 3,10 %<\/li><li>40 % UC : 3,30 %<\/li><li>50 % UC : 3,50 %<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Contrat Floriane 2 :<ul><li>Taux de base : 2,55 % (vs 2,80 % en 2024)<\/li><li>&gt; 30 % UC : 2,95 %<\/li><li>&gt; 40 % UC : 3,15 %<\/li><li>&gt; 50 % UC : 3,35 %<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Contrat Predissime 9 \u2013 s\u00e9rie 2 :<ul><li>Taux de base : 2,15 % (vs 2,40 % en 2024)<\/li><li>&gt; 30 % UC : 2,55 %<\/li><li>&gt; 40 % UC : 2,75 %<\/li><li>&gt; 50 % UC : 2,95 %<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>R\u00e9seau LCL \u2013 baisse identique des taux de base :<ul><li>LCL Acuity Evolution :<ul><li>Taux de base : 2,70 % (vs 2,95 %)<\/li><li>30 % UC : 3,10 %<\/li><li>40 % UC : 3,30 %<\/li><li>50 % UC : 3,50 %<\/li><\/ul><\/li><li>LCL Vie :<ul><li>Taux de base : 2,55 % (vs 2,80 %)<\/li><li>&gt; 30 % UC : 2,95 %<\/li><li>&gt; 40 % UC : 3,15 %<\/li><li>50 % UC : 3,35 %<\/li><\/ul><\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Bonus sur versements (tous contrats) :<ul><li>Bonus cumulable avec la participation sur encours<\/li><li>Rendement pouvant atteindre jusqu\u2019\u00e0 4,60 % sur le fonds euros<\/li><li>Exemple : contrat Ana\u00e9, souscription au 1er janvier 2025,<br \/>frais de gestion 0,50 %, avec \u2265 50 % UC<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>PER \u2013 retraite suppl\u00e9mentaire individuelle :<ul><li>PER Perspective (Cr\u00e9dit Agricole) : 3,05 %<\/li><li>LCL Retraite PER : 3,05 %<\/li><li>En baisse vs 2024 (3,15 %)<\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ee227e elementor-widget elementor-widget-spacer\" data-id=\"0ee227e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-86d63b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"86d63b1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ef7bce5\" data-id=\"ef7bce5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20d5d73 elementor-widget elementor-widget-menu-anchor\" data-id=\"20d5d73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"france\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b0bc41 elementor-widget elementor-widget-heading\" data-id=\"7b0bc41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">France Mutualiste<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-923f261 elementor-widget elementor-widget-text-editor\" data-id=\"923f261\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\n  La France Mutualiste se distingue \u00e0 nouveau en 2025 par le rendement de son fonds euros,\n  affichant l\u2019un des niveaux les plus \u00e9lev\u00e9s du march\u00e9, dans une logique de performance durable\n  et \u00e9quitable.\n<\/p>\n\n<ul>\n  <li>\n    Rendement du fonds euros en assurance vie :\n    <ul>\n      <li>Taux servi en 2025 : 3,50 %<\/li>\n      <li>Taux net de frais de gestion, brut de pr\u00e9l\u00e8vements sociaux et fiscaux<\/li>\n      <li>Contrats concern\u00e9s : assurance vie mono et multisupports, dont Act\u00e9pargne 2<\/li>\n      <li>L\u00e9g\u00e8re baisse vs 2023 (3,70 %) et 2024 (3,60 %)<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    Performance sur la dur\u00e9e :\n    <ul>\n      <li>Rendement cumul\u00e9 sur 3 ans : 11,19 %<\/li>\n      <li>Moyenne de march\u00e9 sur la m\u00eame p\u00e9riode : 8,09 %<\/li>\n      <li>Rendement cumul\u00e9 du fonds euros Act\u00e9pargne 2 : 9,70 %<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    Autres produits d\u2019\u00e9pargne :\n    <ul>\n      <li>Retraite Mutualiste du Combattant (RMC) : 4,30 %<\/li>\n      <li>PER individuel LFM PER\u2019FORM : 4,00 % (stable)<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    Politique de r\u00e9mun\u00e9ration :\n    <ul>\n      <li>Traitement homog\u00e8ne des \u00e9pargnants<\/li>\n      <li>Aucune condition d\u2019encours minimum<\/li>\n      <li>Aucune exigence de d\u00e9tention d\u2019unit\u00e9s de compte<\/li>\n      <li>Objectif : inscrire les bons rendements dans la dur\u00e9e<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    Solidit\u00e9 financi\u00e8re et r\u00e9serves :\n    <ul>\n      <li>Rendement servi sans ponction dans les r\u00e9serves<\/li>\n      <li>Renforcement des r\u00e9serves pour la troisi\u00e8me ann\u00e9e cons\u00e9cutive<\/li>\n      <li>Logique de prudence face aux incertitudes \u00e9conomiques et g\u00e9opolitiques<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    Collecte et impact du rapprochement avec Malakoff Humanis :\n    <ul>\n      <li>Collecte nette sur le fonds euros : 400 M \u20ac<\/li>\n      <li>Hausse de 20 % li\u00e9e au rapprochement avec Malakoff Humanis<\/li>\n      <li>Collecte brute sup\u00e9rieure \u00e0 1 Md \u20ac<\/li>\n      <li>Progression de 50 % par rapport \u00e0 2024<\/li>\n      <li>Objectifs du plan strat\u00e9gique d\u00e9pass\u00e9s avec plusieurs ann\u00e9es d\u2019avance<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    Allocation d\u2019actifs et moteurs de performance :\n    <ul>\n      <li>Obligations : 60,3 % du fonds euros<\/li>\n      <li>Portefeuille immobilier solide, notamment dans l\u2019Ouest parisien<\/li>\n      <li>Capital-investissement : 2,8 % du fonds euros<\/li>\n      <li>Mont\u00e9e en puissance des actifs non cot\u00e9s<\/li>\n    <\/ul>\n  <\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63f6661 elementor-widget elementor-widget-spacer\" data-id=\"63f6661\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-06e0024 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"06e0024\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31606b4\" data-id=\"31606b4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58471c5 elementor-widget elementor-widget-menu-anchor\" data-id=\"58471c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"generali\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0388699 elementor-widget elementor-widget-heading\" data-id=\"0388699\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Generali<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f50905 elementor-widget elementor-widget-text-editor\" data-id=\"9f50905\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Generali\u00a0confirme en 2025 une strat\u00e9gie ax\u00e9e sur la diversification, avec une l\u00e9g\u00e8re am\u00e9lioration du rendement moyen en assurance-vie, mais des plafonds de performance en l\u00e9ger repli.<\/p><ul><li>Taux moyen servi en assurance vie : 2,55 % en 2025, en l\u00e9g\u00e8re hausse vs 2024 (2,53 %), mais en retrait vs 2023 (2,60 %), net de frais de gestion<\/li><li>La performance reste fortement d\u00e9pendante de la part d\u2019unit\u00e9s de compte (UC), avec une parit\u00e9 fonds euros \/ UC dans les encours<\/li><\/ul><ul><li>PER \u2013 retraite suppl\u00e9mentaire (Generali Retraite) :<ul><li>Rendement fonds euros 2025 : 3,30 %<\/li><li>Baisse de 0,10 pt vs 2024 (3,40 %) et 2023 (3,50 %)<\/li><li>La diff\u00e9rence entre contrats a trait aux frais de gestion annuels :<ul><li>0,9 % : PER Generali Patrimoine, e-PER Generali<\/li><li>0,7 % : La Retrait<\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8c2be8 elementor-widget elementor-widget-spacer\" data-id=\"d8c2be8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ab239e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ab239e2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2de6554\" data-id=\"2de6554\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4bd7da8 elementor-widget elementor-widget-menu-anchor\" data-id=\"4bd7da8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"macif\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-492abb7 elementor-widget elementor-widget-heading\" data-id=\"492abb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Macif<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d205964 elementor-widget elementor-widget-text-editor\" data-id=\"d205964\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\n  La Macif publie \u00e0 son tour ses rendements 2025 en assurance vie et en retraite,\n  avec des taux euros stables et une dynamique commerciale soutenue,\n  port\u00e9e par une forte progression de la collecte.\n<\/p>\n\n<ul>\n  <li>\n    Rendements globaux des fonds euros en 2025 :\n    <ul>\n      <li>Taux servis compris entre 2,70 % et 3,40 %<\/li>\n      <li>Net de frais de gestion et avant pr\u00e9l\u00e8vements fiscaux et sociaux<\/li>\n      <li>Niveaux sup\u00e9rieurs \u00e0 la moyenne de march\u00e9 attendue (2,65 %)<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    Collecte et dynamique commerciale :\n    <ul>\n      <li>Collecte brute attendue sup\u00e9rieure \u00e0 2,2 Mds \u20ac<\/li>\n      <li>Progression de 25 % par rapport \u00e0 2024<\/li>\n      <li>Recours partiel \u00e0 la PPB, consid\u00e9r\u00e9e comme une r\u00e9serve appartenant aux adh\u00e9rents<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    Assurance vie Macif \u00c9pargne Vie :\n    <ul>\n      <li>Nombre d\u2019adh\u00e9rents : plus de 81 000<\/li>\n      <li>Taux de base du fonds euros : 2,70 %<\/li>\n      <li>Taux port\u00e9 \u00e0 2,90 % avec un bonus si la part d\u2019UC est \u2265 20 %<\/li>\n      <li>Accessibilit\u00e9 renforc\u00e9e : versements possibles d\u00e8s 50 \u20ac (30 \u20ac pour les mineurs)<\/li>\n      <li>Aucun frais sur versements<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    Contrat patrimonial Jeewan Patrimoine :\n    <ul>\n      <li>Taux de base du fonds euros : 2,80 % (stable vs 2024)<\/li>\n      <li>20 % UC minimum : 3,00 %<\/li>\n      <li>40 % UC minimum : 3,20 %<\/li>\n      <li>60 % UC minimum : 3,40 %<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    Plan d\u2019\u00e9pargne retraite (PER) :\n    <ul>\n      <li>Taux du fonds euros en 2025 : 2,50 % (stable)<\/li>\n      <li>Nombre de d\u00e9tenteurs : pr\u00e8s de 28 000 adh\u00e9rents<\/li>\n      <li>Progression de plus de 20 % en un an<\/li>\n      <li>Encours total sup\u00e9rieur \u00e0 200 M \u20ac<\/li>\n    <\/ul>\n  <\/li>\n\n  <li>\n    \u00c9volution de l\u2019offre :\n    <ul>\n      <li>Contrats commercialis\u00e9s par Mutavie<\/li>\n      <li>Mutavie deviendra Macif Vie au 1er avril 2026<\/li>\n      <li>Positionnement fond\u00e9 sur l\u2019accessibilit\u00e9, le conseil et la performance<\/li>\n    <\/ul>\n  <\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b078c15 elementor-widget elementor-widget-spacer\" data-id=\"b078c15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9669dd7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9669dd7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a19649b\" data-id=\"a19649b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c02e67 elementor-widget elementor-widget-menu-anchor\" data-id=\"3c02e67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"maif\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-282cbe4 elementor-widget elementor-widget-heading\" data-id=\"282cbe4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Maif<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b851e41 elementor-widget elementor-widget-text-editor\" data-id=\"b851e41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La Maif entame l\u2019ann\u00e9e 2026 avec des indicateurs au vert. Sa filiale Maif Vie a annonc\u00e9, le 6 janvier, un taux de rendement net de 3,05 % pour l\u2019ann\u00e9e 2025 sur les fonds en euros des contrats Assurance-vie Responsable et Solidaire (ARS) et Plan d\u2019\u00e9pargne retraite (PER) Responsable et Solidaire, en hausse par rapport \u00e0 2024 (3,00 %).<\/p><ul><li>Rendement des fonds euros 2025 :<ul><li>Taux net servi : 3,05 %<\/li><li>Contrats concern\u00e9s : Assurance vie Responsable et Solidaire (ARS) et PER Responsable et Solidaire<\/li><li>Progression par rapport \u00e0 2024 (+0,05 point)<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Collecte de l\u2019\u00e9pargne en forte hausse :<ul><li>Collecte brute en hausse de pr\u00e8s de 70 % en 2025<\/li><li>Premi\u00e8re fois que la collecte d\u00e9passe le milliard d\u2019euros<\/li><li>Ann\u00e9e qualifi\u00e9e d\u2019\u00ab historique \u00bb pour l\u2019\u00e9pargne par la Maif<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Positionnement responsable et solidaire :<ul><li>Strat\u00e9gie fond\u00e9e sur la combinaison de la performance financi\u00e8re et de l\u2019impact environnemental et soci\u00e9tal<\/li><li>Suppression des frais sur versement sur le contrat d\u2019assurance vie<\/li><li>Objectif : faciliter l\u2019acc\u00e8s \u00e0 l\u2019\u00e9pargne dans un contexte de pouvoir d\u2019achat contraint<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>D\u00e9veloppement des unit\u00e9s de compte \u00e0 impact :<ul><li>Cr\u00e9ation de 6 nouvelles unit\u00e9s de compte \u00e0 impact en 2025<\/li><li>Total port\u00e9 \u00e0 25 unit\u00e9s de compte propos\u00e9es aux soci\u00e9taires<\/li><li>Financement de projets concrets :<ul><li>Maif Habitats et Inclusion : acquisition et r\u00e9novation d\u2019un logement pour jeunes actifs et personnes en situation de handicap<\/li><li>Maif Rendement Vert : pr\u00e8s de 1 300 projets solaires ou \u00e9oliens financ\u00e9s en Europe sur cinq ans<\/li><\/ul><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf0fea4 elementor-widget elementor-widget-spacer\" data-id=\"bf0fea4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5036bc0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5036bc0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bf8e705\" data-id=\"bf8e705\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5583099 elementor-widget elementor-widget-menu-anchor\" data-id=\"5583099\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"suravenir\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55e43e3 elementor-widget elementor-widget-heading\" data-id=\"55e43e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Suravenir<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2f6759 elementor-widget elementor-widget-text-editor\" data-id=\"e2f6759\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Suravenir d\u00e9voile \u00e0 son tour les rendements 2025 des fonds euros et confirme une strat\u00e9gie de stabilit\u00e9.<\/p><ul><li>Contrats grand public \u2013 NaviG\u2019Options (r\u00e9seaux bancaires) :<ul><li>Taux de base : 2,20 %<\/li><li>Mandat d\u2019arbitrage : 2,50 %<\/li><li>Rendements stables vs 2024<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Contrats patrimoniaux \u2013 diversification fortement valoris\u00e9e :<ul><li>Taux de base : 2,50 %<\/li><li>Mandat d\u2019arbitrage : 2,80 % (stable)<\/li><li>\u2265 50 % UC : 3,00 %<\/li><li>&gt; 70 % UC : 3,20 %<\/li><li>Contrats concern\u00e9s : NaviG\u2019Patrimoine, Excelcius Vie (S8), Patrimoine Vie Plus, Patrimoine Vie Plus Multiprojet<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Excelcius Vie (S9) \u2013 gestion libre :<ul><li>Taux de base : 2,50 %<\/li><li>\u2265 50 % UC : 3,00 %<\/li><li>&gt; 70 % UC : 3,20 %<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Contrats distribu\u00e9s en ligne \u2013 forte dispersion des rendements :<ul><li>Suravenir Rendement &amp; Rendement 2 :<ul><li>Taux de base : 2,10 % (vs 2,20 % en 2024)<\/li><li>Mandat d\u2019arbitrage : 2,50 %<\/li><\/ul><\/li><li>Suravenir Opportunit\u00e9s &amp; Opportunit\u00e9s 2 :<ul><li>Gestion libre : 3,00 %<\/li><\/ul><\/li><li>Fonds disponibles notamment via Fortuneo, Linxea, Meilleurtaux Placement, Assurancevie.com, Altaprofits, Yomoni<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>S\u00e9r\u00e9nipierre (Primonial) :<ul><li>Taux de base : 2,50 %<\/li><li>&gt; 50 % UC : 3,00 %<\/li><li>&gt; 70 % UC : 3,20 %<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>PER \u2013 retraite suppl\u00e9mentaire :<ul><li>Rendement standard : 3,00 % (r\u00e9seaux bancaires, CGP, Ark\u00e9a Banque Priv\u00e9e, distribution en ligne)<\/li><li>PER Fortuneo : 3,20 %<\/li><\/ul><\/li><\/ul><div>\u00a0<\/div><ul><li>Collecte et encours 2025 :<ul><li>Encours assurance vie : 59,3 Mds\u20ac<\/li><li>Collecte brute : 6,4 Mds\u20ac (vs 5,4 Mds\u20ac en 2024)<\/li><li>Objectif initial : 5 Mds\u20ac \u2013 largement d\u00e9pass\u00e9<\/li><li>Offre multicompartiment : plus de 70 000 clients depuis le lancement<\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-984e6f6 elementor-widget elementor-widget-spacer\" data-id=\"984e6f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a5632c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a5632c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-379d9fa\" data-id=\"379d9fa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a7b6a5 elementor-widget elementor-widget-menu-anchor\" data-id=\"3a7b6a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"swiss\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b9686a elementor-widget elementor-widget-heading\" data-id=\"6b9686a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Swiss Life<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bb6d2c elementor-widget elementor-widget-text-editor\" data-id=\"9bb6d2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Swiss Life maintient une strat\u00e9gie de stabilit\u00e9 en 2025, avec un rendement du fonds euros volontairement conservateur, mais fortement bonifi\u00e9 par la prise de risque via les unit\u00e9s de compte (UC).<\/p><ul data-start=\"303\" data-end=\"1152\"><li data-start=\"303\" data-end=\"486\"><p data-start=\"305\" data-end=\"486\">Le taux de base du fonds euros des contrats Swiss Life Strategic reste fix\u00e9 \u00e0 1,70 %, identique \u00e0 2023 et 2024, en dessous de la moyenne de march\u00e9 attendue (2,65 %).<\/p><\/li><li data-start=\"487\" data-end=\"684\"><p data-start=\"489\" data-end=\"576\">La diversification en UC permet toutefois d\u2019am\u00e9liorer sensiblement la performance :<\/p><ul data-start=\"579\" data-end=\"684\"><li data-start=\"579\" data-end=\"626\"><p data-start=\"581\" data-end=\"626\">40 % en UC : rendement port\u00e9 \u00e0 2,20 %<\/p><\/li><li data-start=\"629\" data-end=\"684\"><p data-start=\"631\" data-end=\"684\">70 % et plus en UC : rendement jusqu\u2019\u00e0 3,05 %<\/p><\/li><\/ul><\/li><li data-start=\"685\" data-end=\"844\"><p data-start=\"687\" data-end=\"844\">Les clients disposant de plus de 250 000 \u20ac d\u2019encours b\u00e9n\u00e9ficient d\u2019un taux plancher major\u00e9 \u00e0 1,90 %, pouvant atteindre 3,25 % selon la part d\u2019UC.<\/p><\/li><li data-start=\"845\" data-end=\"965\"><p data-start=\"847\" data-end=\"965\">Certains nouveaux contrats ont m\u00eame b\u00e9n\u00e9fici\u00e9 de bonus ponctuels, avec des rendements annonc\u00e9s jusqu\u2019\u00e0 4,40 %.<\/p><\/li><li data-start=\"966\" data-end=\"1152\"><p data-start=\"968\" data-end=\"1152\">Cette logique s\u2019applique \u00e9galement aux produits retraite (PER et Swiss Life Retraite), avec un rendement du fonds euros compris entre 1,70 % et 3,25 % selon les m\u00eames crit\u00e8res.<\/p><\/li><\/ul><p>\u00a0<\/p><p>\u00a0<\/p><div><p style=\"margin: 20px 0px 0px; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; letter-spacing: normal;\"><a href=\"https:\/\/www.argusdelassurance.com\/epargne\/rendements-assurance-vie-le-palmar\u00e8s-2025-des-fonds-en-euros.237940\"><strong data-wp-editing=\"1\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" \/> D\u00e9couvrez l&#8217;analyse compl\u00e8te sur le site de l&#8217;Argus<\/strong><\/a><\/p><div><strong style=\"font-weight: bold;\">\u00a0<\/strong><\/div><\/div><div>\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5acf505 elementor-widget elementor-widget-spacer\" data-id=\"5acf505\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Quelle sera la participation aux b\u00e9n\u00e9fices vers\u00e9e sur les fonds en euros des contrats d&#8217;assurance-vie cette ann\u00e9e ? D\u00e9couvrez les chiffres des principaux acteurs du march\u00e9.<\/p>\n","protected":false},"author":1,"featured_media":25441,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[751],"tags":[718],"class_list":["post-27365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fr","tag-restez-au-courant"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rendements Assurance-Vie : Le palmar\u00e8s 2025 en France - Asquarepartners.com<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez tous les rendements assurance-vie des compagnies d&#039;assurance, mutuelles et groupes de protection sociale en France en 2025.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.asquarepartners.com\/en\/rendements-assurance-vie-le-palmares-2025-en-france\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rendements Assurance-Vie : Le palmar\u00e8s 2025 en France - 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