Overview
Are you looking for effective and flexible life insurance to help your savings grow? The Linxea Avenir 2 contract may be for you. With reduced fees, a wealth of choice of media, innovative management options and an attractive promotional offer, this contract has absolutely everything to appeal to savvy savers. Decryption.
Linxea Avenir 2: €200 offered and up to 4.5% return on the Eurofund!
This is undoubtedly the ideal time to take out Linxea Avenir 2 life insurance Until the end of October, new Linxea customers will benefit from a promotional offer: €200 is offered for any payment of a minimum of €5,000 upon opening. An interesting way to increase the performance of the savings invested in this excellent contract from the start.
The contract goes further by offering a increased return of +2% for the Suravenir Opportunities 2 euro fundin 2024 and 2025. Specifically, for any payment made until December 31, 2024, the return will automatically be increased by +2% excluding fees!
As a reminder, the Eurofund represents the safe part of life insurance, where the capital is guaranteed by the insurance company. On the other hand, returns are limited, especially in the current context of low interest rates (2.50% in 2023). Therefore, the interest of this extraordinary bonus of +2%, which could therefore result the final rate for 2024 and 2025 of 4.50%.
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Offer |
Terms |
Payment |
Get more information |
| €200 offered |
– Become a new Linxea customer – Register before 31 October 2024 – Pay a minimum of €5,000 |
On the customer’s account |
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| 2% bonus on the Suravenir Opportunities 2 euro fund |
Pay a minimum of €100 to the Eurofund before 31 December 2024 |
About the Eurofund of the contract (Suravenir Opportunities 2) |
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Floor Management Fees
First key advantage of Linxea Avenir 2: its ultra-competitive fee level. In life insurance, this is not a detail, because in the long term the impact on costs is massive. A difference of 1% per year on a €50,000 contract is more than a €24,000 difference in performance after 20 years! Suffice to say, every basis point counts.
With the Linxea Avenir 2, the saver puts all the odds on his side thanks to:
- 0% fees on payments (compared to 2 to 5% for a classic contract)
- 0.60% management fees on freely managed account units (compared to 1 to 2% on average)
- 0% arbitration fees (compared to often 1%)
Everything is designed to preserve capital over time, especially the choice of units of account with reduced fees. The saver can thus allocate a larger part of his savings to his project, and not to the remuneration of his insurance company…
A very wide selection of media with great variety
Another strength of the Linxea Avenir 2: the extent of its range of supports. More than 600 supports in total, enough to meet all profiles and goals. Judge instead:
- A wide range of funds (stocks, bonds, money market, formula, etc.) from reputable management companies (Amundi, BlackRock, Carmignac, Lyxor, etc.)
- More than 70 trackers (ETFs) with unmatched fees to effectively replicate the major stock indices
- 26 real estate subsidies (SCPI, SCI, OPCI) to invest in real estate without restrictions
- Dozens of thematic funds to focus on major promising trends (energy transition, silver economy, digital, etc.)
- Liquid assets to secure your capital over 3.5 or 8 years
- and even some private equity funds for the more daring!
In summary, there are plenty of choices when it comes to building a diversified allocation in line with your beliefs (ESG management, responsible investing, etc.). All with quality, as evidenced by the presence of nuggets such as SC Pythagoras or that SCPI Replay available without entry fees.
Focus on the contract’s euro funds
Linxea Avenir 2 offers two funds in euros, where the capital is guaranteed by the insurance company at 97% and 99.4%. While aiming for safety, these two funds adopt two quite different philosophies.
Suravenir Rendement 2: a cautious profile
Suravenir Rendement 2 is the contract’s “classic” euro fund. It aims for a regular return without taking reckless risks. Its allocation favors bonds (up to 85%), supplemented by real estate (8%) and a hint of stocks (6%).
A cautious profile therefore, which provided a dividend of 2.20% in 2023or an average of 1.64% per year over the last five years (2019-2023). All for management fees limited to 0.60% per annum (free management). However, it must be remembered that past results are no guarantee of future results.
However, one point of attention is: at least 30% of each deposit to this fund must be invested in units of account, which are riskier (but potentially more profitable). A limitation which can also be seen as an incentive to diversify one’s savings.
Suravenir Opportunities 2: a more dynamic profile
Suravenir Opportunities 2 is the “boosted” euro fund of the contract. Its goal: to deliver superior performance in exchange for a slightly higher (but still limited) risk. To do this, he bets on a more dynamic composition: 70% bonds, but also 20% real estate and 10% shares.
This strategy bore fruit in 2023, with a 2.50% dividend (net of fees) Over five years (2019-2023), the average annual performance reaches 2.16%. Interesting point: it is possible toinvest up to 100% of your payment in this fundwithout obligation to diversify into units of account. A rare freedom for such a high-performing Eurofund.
Very comprehensive automatic administration options
To support its range of billing units, Linxea also provides the tools to build and manage savings over time. Once the initial distribution has been defined, it is necessary to monitor its evolution and adjust it regularly. Tedious work that the automated contract management capabilities make possible:
- Security for capital gains to consolidate your winnings (from 5 or 10% for example)
- Stop loss to limit damage in case of a stock market storm (at -10% or -20% for example)
- Progressive investment to spread purchases of assets in the markets
- Automatic rebalancing to return to the starting allocation periodically
This last option is very useful for savers who want to maintain control without spending hours on it. This makes it possible to continuously correct allocation deviations.
Integrated death guarantee
Another significant advantage of the Linxea Avenir 2: it includes death guarantee to protect your loved ones. Specifically, if the saver were to disappear before the age of 75, the contract undertakes to pay its beneficiaries at least the sum of the net payments on the fund in euros, up to €100,000.
Welcome protection to relieve heirs in case of a hard blow. This floor warranty is optional and dependent on age and health conditions. It takes between €0.15 (at age 30) and €5.15 (at age 74) per month depending on age. A limited contribution for the sake of the security provided.
