{"id":6790,"date":"2025-06-19T16:08:58","date_gmt":"2025-06-19T14:08:58","guid":{"rendered":"https:\/\/wigl.fr\/?post_type=academy&#038;p=6790"},"modified":"2025-06-19T16:09:01","modified_gmt":"2025-06-19T14:09:01","slug":"assurance-vie","status":"publish","type":"academy","link":"https:\/\/wigl.fr\/en\/academy\/gerer-son-budget\/epargner\/assurance-vie\/","title":{"rendered":"Assurance-vie : l&rsquo;outil pr\u00e9f\u00e9r\u00e9 des banques pour endormir votre \u00e9pargne"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6790\" class=\"elementor elementor-6790\" data-elementor-post-type=\"academy\">\n\t\t\t\t<div class=\"elementor-element elementor-element-093205e e-flex e-con-boxed e-con e-parent\" data-id=\"093205e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb2341f elementor-widget elementor-widget-heading\" data-id=\"fb2341f\" 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\">L\u2019assurance-vie, placement star des Fran\u00e7ais avec pr\u00e8s de 1900 milliards d\u2019euros d\u2019encours, cache bien son jeu. Derri\u00e8re sa promesse de souplesse et de rentabilit\u00e9 se dissimulent frais, complexit\u00e9 et rendements d\u00e9cevants \u2014 au b\u00e9n\u00e9fice surtout des banques et assureurs.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-048cdc2 e-flex e-con-boxed e-con e-parent\" data-id=\"048cdc2\" data-element_type=\"container\" data-e-type=\"container\" id=\"academy-article-content\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1216927 e-con-full e-flex e-con e-child\" data-id=\"1216927\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a03429 elementor-widget elementor-widget-heading\" data-id=\"3a03429\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Fonds euros : un rendement qui s'essouffle<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad18c4 elementor-widget elementor-widget-text-editor\" data-id=\"7ad18c4\" 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>Le fameux fonds en euros, support star de l&rsquo;assurance-vie, offre un capital garanti.. mais \u00e0 quel prix ? En 2024, son rendement moyen s&rsquo;est \u00e9tabli \u00e0 2,5% nets de frais de gestion. Apr\u00e8s inflation, fiscalit\u00e9 et frais de gestion, le gain r\u00e9el est tr\u00e8s faible, voire nul.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a52fcfa e-con-full e-flex e-con e-child\" data-id=\"a52fcfa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67fad52 elementor-widget elementor-widget-heading\" data-id=\"67fad52\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Les chiffres qui d\u00e9rangent<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5f075 elementor-widget elementor-widget-text-editor\" data-id=\"6c5f075\" 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>Les disparit\u00e9s entre contrats sont importantes : entre 1,8% pour les moins bons contrats, et jusqu&rsquo;\u00e0 4% pour les meilleurs en 2024. Seuls quelques contrats 100% euros affichent un rendement sup\u00e9rieur \u00e0 2,50%, comme ceux d&rsquo;Ampli Mutuelle (3,75%), de l&rsquo;Afer (3,20%), de la Carac (3,30%) ou de MACSF (3,10%).<\/p><p>\u00c0 ses d\u00e9buts, le fonds en euros \u00e9tait une p\u00e9pite. Aujourd&rsquo;hui, il prot\u00e8ge \u00e0 peine le capital face \u00e0 la hausse des prix. Et comme les banques le savent, elles poussent d\u00e9sormais vers un autre support : les unit\u00e9s de compte (UC).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19ac126 e-con-full e-flex e-con e-child\" data-id=\"19ac126\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b2d682 elementor-widget elementor-widget-heading\" data-id=\"9b2d682\" 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<h3 class=\"elementor-heading-title elementor-size-default\">UC : volatilit\u00e9, complexit\u00e9.. et responsabilit\u00e9s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49fcad9 elementor-widget elementor-widget-text-editor\" data-id=\"49fcad9\" 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>Les unit\u00e9s de compte permettent d&rsquo;acc\u00e9der \u00e0 des actions, des obligations, des SCPI, ou des ETF. Elles ouvrent la voie \u00e0 de meilleurs rendements, mais elles ne sont pas toutes garanties : votre capital peut fluctuer (et parfois \u00e0 la baisse).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02cc00b e-con-full e-flex e-con e-child\" data-id=\"02cc00b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbd61d2 elementor-widget elementor-widget-heading\" data-id=\"dbd61d2\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Les risques cach\u00e9s des UC<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdf7604 elementor-widget elementor-widget-text-editor\" data-id=\"fdf7604\" 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>En 2024, les supports en UC ont enregistr\u00e9 une performance globale de +4,9%9, mais cette performance masque plusieurs r\u00e9alit\u00e9s probl\u00e9matiques :<\/p><ul><li>Les supports propos\u00e9s sont souvent opaques<\/li><li>Vous devez choisir vous-m\u00eame parmi des dizaines d&rsquo;options<\/li><li>Le conseil est souvent standardis\u00e9, voire orient\u00e9<\/li><li>Les unit\u00e9s de compte sont jug\u00e9es risqu\u00e9es car le capital n&rsquo;est pas garanti et les int\u00e9r\u00eats ne se capitalisent pas<\/li><\/ul><p>\u00a0<\/p><p>Le r\u00e9sultat est in\u00e9vitable : de nombreux clients se retrouvent avec un contrat m\u00ealant fonds en euros sous-performant et unit\u00e9s de compte inadapt\u00e9es, sans en comprendre les m\u00e9canismes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d6937f e-con-full e-flex e-con e-child\" data-id=\"5d6937f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40882a8 elementor-widget elementor-widget-heading\" data-id=\"40882a8\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Des frais en cascade qui grignotent la performance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f22ad elementor-widget elementor-widget-text-editor\" data-id=\"70f22ad\" 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&rsquo;autre pi\u00e8ge de l&rsquo;assurance-vie, ce sont les frais. Contrairement \u00e0 une id\u00e9e re\u00e7ue, ils peuvent s&rsquo;accumuler \u00e0 plusieurs niveaux :<\/p><p><!-- \/wp:paragraph --><\/p>\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-102f031 elementor-widget elementor-widget-text-editor\" data-id=\"102f031\" 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<table style=\"width: 100%; border-collapse: collapse; text-align: left;\">\n  <thead>\n    <tr>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Type de frais<\/th>\n      <th style=\"border: 1px solid #ccc; padding: 8px;\">Moyenne constat\u00e9e<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Frais d&rsquo;entr\u00e9e<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">2 \u00e0 3% (parfois +)<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Frais de gestion (fonds euros)<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">0,6 \u00e0 1% \/ an<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Frais de gestion (UC)<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">0,8% \u00e0 1,5% \/ an<\/td>\n    <\/tr>\n    <tr>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">Frais d&rsquo;arbitrage<\/td>\n      <td style=\"border: 1px solid #ccc; padding: 8px;\">0,5% \u00e0 1% par mouvement<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\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-cfb8de8 elementor-widget elementor-widget-text-editor\" data-id=\"cfb8de8\" 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>Par exemple : sur un contrat avec 20.000 euros, vous pouvez perdre 200 \u00e0 400 euros par an juste en frais, m\u00eame si votre placement ne progresse pas.<\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c4c069 e-con-full e-flex e-con e-child\" data-id=\"7c4c069\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4ef6b6 elementor-widget elementor-widget-heading\" data-id=\"f4ef6b6\" 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<h3 class=\"elementor-heading-title elementor-size-default\">La fiscalit\u00e9 : un avantage r\u00e9el mais complexe<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3b4594 elementor-widget elementor-widget-heading\" data-id=\"b3b4594\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Pendant la vie du contrat<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d220a4b elementor-widget elementor-widget-text-editor\" data-id=\"d220a4b\" 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&rsquo;assurance-vie b\u00e9n\u00e9ficie d&rsquo;un cadre fiscal attractif : tant que vous ne retirez pas d&rsquo;argent, aucun imp\u00f4t n&rsquo;est d\u00fb. L&rsquo;imposition ne s&rsquo;applique qu&rsquo;en cas de rachat, et seuls les gains sont tax\u00e9s.<\/p><p><!-- \/wp:paragraph --><\/p>\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-262c34d elementor-widget elementor-widget-heading\" data-id=\"262c34d\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Apr\u00e8s 8 ans : l'eldorado fiscal<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54e893b elementor-widget elementor-widget-text-editor\" data-id=\"54e893b\" 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>Apr\u00e8s 8 ans de d\u00e9tention, l&rsquo;assurance-vie r\u00e9v\u00e8le ses vrais avantages fiscaux :<\/p><ul><li>Abattement annuel de 4 600 \u20ac pour une personne seule ou 9 200 \u20ac pour un couple<\/li><li>Taux d&rsquo;imposition r\u00e9duit \u00e0 7,5% (au lieu de 12,8%) pour les gains correspondant aux primes n&rsquo;exc\u00e9dant pas 150 000 \u20ac<\/li><li>Pr\u00e9l\u00e8vements sociaux de 17,2% toujours dus<\/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-fd962f7 elementor-widget elementor-widget-heading\" data-id=\"fd962f7\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Transmission : l'atout ma\u00eetre<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80564bf elementor-widget elementor-widget-text-editor\" data-id=\"80564bf\" 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&rsquo;assurance-vie ne fait pas partie de la succession de l&rsquo;assur\u00e9. Pour les primes vers\u00e9es avant 70 ans, l&rsquo;abattement est de 152 500 \u20ac par b\u00e9n\u00e9ficiaire. Une fois cet abattement pris en compte, les capitaux sont tax\u00e9s \u00e0 20% sur les sommes jusqu&rsquo;\u00e0 700 000 \u20ac.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b951fc e-con-full e-flex e-con e-child\" data-id=\"9b951fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b2cad5 elementor-widget elementor-widget-heading\" data-id=\"2b2cad5\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Assurance-vie vs autres placements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6776d0b elementor-widget elementor-widget-heading\" data-id=\"6776d0b\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Contre le Livret A<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af7d603 elementor-widget elementor-widget-text-editor\" data-id=\"af7d603\" 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>Avec un <a href=\"https:\/\/wigl.fr\/en\/academy\/gerer-son-budget\/epargner\/le-livret-a\/\">Livret A<\/a> d\u00e9sormais \u00e0 2,40%, l&rsquo;assurance-vie fonds euros reste comp\u00e9titive uniquement sur les meilleurs contrats. L&rsquo;avantage r\u00e9side dans l&rsquo;absence de plafond et les avantages successoraux.<\/p>\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-8509e48 elementor-widget elementor-widget-heading\" data-id=\"8509e48\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Contre le PER<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ec06c8 elementor-widget elementor-widget-text-editor\" data-id=\"6ec06c8\" 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>Le PER offre une d\u00e9duction fiscale des versements mais bloque l&rsquo;\u00e9pargne jusqu&rsquo;\u00e0 la retraite. L&rsquo;assurance-vie garde l&rsquo;avantage de la disponibilit\u00e9 imm\u00e9diate.<\/p>\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-db9044b elementor-widget elementor-widget-heading\" data-id=\"db9044b\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Contre l'investissement direct en ETF<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cf6bca elementor-widget elementor-widget-text-editor\" data-id=\"2cf6bca\" 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&rsquo;assurance-vie permet d&rsquo;investir en ETF avec des avantages fiscaux apr\u00e8s 8 ans. Cependant, les frais du contrat peuvent r\u00e9duire la performance globale par rapport \u00e0 un investissement direct.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5a64ef e-con-full e-flex e-con e-child\" data-id=\"d5a64ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aafc359 elementor-widget elementor-widget-heading\" data-id=\"aafc359\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Comment bien choisir son contrat d'assurance vie ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a00754 elementor-widget elementor-widget-text-editor\" data-id=\"6a00754\" 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>Les courtiers en assurance vie offrent g\u00e9n\u00e9ralement une large gamme de produits, y compris des fonds indiciels ou trackers \u00e0 frais r\u00e9duits, qui sont g\u00e9n\u00e9ralement absents dans les offres des banques. Les banques pr\u00e9sentent souvent des contrats avec des frais plus \u00e9lev\u00e9s et une offre moins diversifi\u00e9e.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c50e60 e-con-full e-flex e-con e-child\" data-id=\"0c50e60\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dd68412 elementor-widget elementor-widget-heading\" data-id=\"dd68412\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Les strat\u00e9gies gagnantes pour 2025<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ae0cd3 elementor-widget elementor-widget-heading\" data-id=\"8ae0cd3\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Privil\u00e9gier les contrats multisupports<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b31b3d elementor-widget elementor-widget-text-editor\" data-id=\"3b31b3d\" 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>Le contrat multisupport permet de diversifier entre fonds euros et unit\u00e9s de compte selon votre profil de risque. Il offre la flexibilit\u00e9 n\u00e9cessaire pour s&rsquo;adapter aux \u00e9volutions des march\u00e9s.<\/p>\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-7b3ae4d elementor-widget elementor-widget-heading\" data-id=\"7b3ae4d\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Miser sur les ETF en UC<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecdd3d6 elementor-widget elementor-widget-text-editor\" data-id=\"ecdd3d6\" 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>Les ETF permettent d&rsquo;acc\u00e9der \u00e0 une large gamme de titres avec des frais de gestion moindres. Combin\u00e9s aux avantages fiscaux de l&rsquo;assurance-vie apr\u00e8s 8 ans, ils constituent une strat\u00e9gie souvent gagnante.<\/p>\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-cdff732 elementor-widget elementor-widget-heading\" data-id=\"cdff732\" 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<h4 class=\"elementor-heading-title elementor-size-default\">Optimiser la r\u00e9partition<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92830fe elementor-widget elementor-widget-text-editor\" data-id=\"92830fe\" 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>Une r\u00e9partition \u00e9quilibr\u00e9e entre fonds euros (pour la s\u00e9curit\u00e9) et UC diversifi\u00e9es (pour la performance) reste la cl\u00e9 d&rsquo;une strat\u00e9gie r\u00e9ussie. Les assureurs demandent g\u00e9n\u00e9ralement d&rsquo;investir au moins 20% du capital sur des unit\u00e9s de compte.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5108f6c e-con-full e-flex e-con e-child\" data-id=\"5108f6c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19fe448 elementor-widget elementor-widget-heading\" data-id=\"19fe448\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Une nouvelle alternative \u00e0 l'assurance-vie : les coffres Wigl<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23fb92d elementor-widget elementor-widget-text-editor\" data-id=\"23fb92d\" 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>Chez Wigl, nous d\u00e9fendons une finance plus claire et directe et plus align\u00e9e avec vos int\u00e9r\u00eats r\u00e9els. <a href=\"https:\/\/wigl.fr\/en\/les-coffres-wigl\/\">Les coffres d\u2019investissement<\/a> peuvent \u00eatre une alternative \u00e0 l&rsquo;assurance-vie traditionnelle. Vous placez vos cryptos les plus populaires via des coffres int\u00e9gr\u00e9s avec des rendements jusqu&rsquo;\u00e0 7% annuels, et en toute transparence. Une gestion fluide, depuis une seule app, avec de l&rsquo;argent plac\u00e9 qui travaille sans contrainte.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82873c2 e-con-full e-flex e-con e-child\" data-id=\"82873c2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-108d491 elementor-widget elementor-widget-heading\" data-id=\"108d491\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Conclusion : Oui \u00e0 l'assurance-vie.. mais pas les yeux ferm\u00e9s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-142c030 elementor-widget elementor-widget-text-editor\" data-id=\"142c030\" 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&rsquo;assurance-vie reste utile mais \u00e0 condition de respecter plusieurs r\u00e8gles d&rsquo;or :<\/p><ul><li>Choisir un contrat sans frais d&rsquo;entr\u00e9e : les frais d&rsquo;entr\u00e9e peuvent atteindre 2 \u00e0 3% et p\u00e9nalisent durablement la performance<\/li><li>Privil\u00e9gier des supports simples comme les ETF plut\u00f4t que des fonds complexes aux frais \u00e9lev\u00e9s<\/li><li>Garder la main sur son \u00e9pargne en comprenant les m\u00e9canismes du contrat et en \u00e9vitant les conseils orient\u00e9s<\/li><li>Respecter la r\u00e8gle des 8 ans pour b\u00e9n\u00e9ficier pleinement des avantages fiscaux<\/li><li>Diversifier intelligemment entre fonds euros et UC selon son profil de risque<\/li><\/ul><p>\u00a0<\/p><p>L&rsquo;assurance-vie n&rsquo;est pas un produit miracle, mais utilis\u00e9e avec discernement, elle reste un outil patrimonial de premier plan. L&rsquo;important est de ne pas subir son contrat mais de le choisir et le piloter en connaissance de cause.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"featured_media":6811,"parent":4498,"menu_order":0,"template":"","academy_category":[],"academy_tag":[36],"class_list":["post-6790","academy","type-academy","status-publish","has-post-thumbnail","hentry","academy_tag-gerer-mon-argent"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance-vie : l&#039;outil pr\u00e9f\u00e9r\u00e9 des banques pour endormir votre \u00e9pargne<\/title>\n<meta name=\"description\" content=\"L&#039;assurance-vie est le produit d&#039;\u00e9pargne n\u00b01 des Fran\u00e7ais en encours. 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