Choose a Life Insurance

To choose a life insurance contract, it is necessary to know these things:

- On a life insurance policy, your capital invested remains available (many investors do not know ...),
- Have multiple life insurance is a good thing to diversify its assets,
- Avoid signing contracts exotic, especially Never invest all your capital on equity funds. Never forget that in most cases, your capital is not guaranteed to diversified funds.

- Always consult the records COB or AMF as your intermediary must give you before purchasing a fund.

How to choose a life insurance policy?

If all life insurance policies offer a variety of funds, or only a selection of the most prestigious performance is anyway not looking in that direction. What makes a good life insurance contract is primarily its low cost.
Management Fee

Management fees are important: they are usually deducted from your investment each year, the amount of your investment. These costs are therefore reduce earnings on your investment.
Fee Arbitration

The costs of arbitration will be counted when you change carriers or units of account. You decide to sell a fund to another achter ... In this case, you will pay the costs of arbitration. To you know the frequency of arbitration that you want ...
Charge payments

Fees on payments are the most important. It is indeed a direct deduction from your payment. Fees paid at 3% means that € uros in 1000 paid only € 970 uros will be placed ... difficult to perform well in these conditions ... from the first year ... More and more frequently, insurance vien called new generation, as online on the Internet, offering life insurance contracts on toll payments. These contracts are by far our preference.
Fund in € uros

Like any investor warned, you do not invest all your capital on a risk fund. The guaranteed investment through a fund called Monetary Fund € uros. Certainly, his pay rate is quite low, but are placed on the fund can not be impaired. It is therefore important to verify that the fund € uros your life insurance policy is available: low cost and performance Honarable compared to competition. Be aware that fees are deducted from the performance ... so do not go to fund € uros offering the highest return without first removing the costs ...
All calculations show, the costs are the most important role on the performance of an investment fund on € uros a life insurance contract.