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Assurance-vie et PER : les rendements 2023 des fonds en euros sur les différents contrats


| Mis à jour le 19-01-2023 | Publié le 19-01-2023 13:06

Découvrez les performances 2023 des fonds en euros pour les contrats d'assurance-vie et de PER principaux.
Cette année, les rendements sont en croissance après quelques années atones, stimulés par la hausse des taux sur le marché obligataire. Si il n'est pas encore connu, le rendement moyen du marché devrait tourner autour de 2,50%.
Les données sont mises à jour au fur et à mesure de leur divulgation par les assureurs.

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Distributeur
Contrat
Taux mini 2023
(taux mini 2022)
Taux maxi 2023
(taux maxi 2022)
Evolution du taux
vs 2022
ABEILLE ABEILLE RETRAITE PLURIELLE (ex-AVIVA)
ACM VIE ACM Vie PER Assurance Retraite
ACTIVESEED ACTIVESEED VIE
ADVIZE MA SENTINELLE VIE
AFDP AFDP PRIVILEGE
AFER AFER MULTISUPPORT
2.22%
2.01%
0.00%
0.00%
+0.21 pt / 0 pt
AFER AFER RETRAITE INDIVIDUELLE
AG2R AG2R AMBITION RETRAITE INDIVIDUELLE
AG2R AG2R EXCELLIE RETRAITE
AG2R VIVEPARGNE 2 AG2R
2.00% /
AG2R LA MONDIALE PER AMBITION RETRAITE
AG2R LA MONDIALE PER ENEDIA
Ageas France Digitinvest
Ageas France myPGA univers 1
Ageas France myPGA univers 2
Ageas France myPGA univers 3
AGIPI CLER
2.45%
2.05%
/ +0.4 pt
AGIPI FAR PER
ALDRIN CONSEIL CNP ONE
ALLIANZ ALLIANZ MULTI EPARGNE VIE
ALLIANZ ALLIANZ VIE FIDELITE
2.52%
1.73%
4.50%
3.17%
+0.79 pt / +1.33 pt
ALLIANZ PER ALLIANZ HORIZON
ALLIANZ YEARLING ACCESS
ALPHEYS CNP ONE
ALTAPROFITS ALTAPROFITS VIE
2.00%
1.30%
4.12%
2.60%
+0.7 pt / +1.52 pt
ALTAPROFITS DIGITAL VIE PRIME
2.20%
1.80%
2.50%
2.10%
+0.4 pt / +0.4 pt
Altaprofits TITRES@PER ALTAPROFITS
1.64%
1.65%
3.94%
3.20%
-0.01 pt / +0.74 pt
ALTAPROFITS TITRES@VIE
1.70%
1.70%
4.00%
3.25%
0 pt / +0.75 pt
AMADEIS SELECTION CINTO CAPI
AMETIS CNP ONE
AMETIS CNP ONE CAPI
AMETIS CNP TRESOR PERFORMANCE
2.20%
1.50%
3.70%
3.38%
+0.7 pt / +0.32 pt
AMETIS CNP TRESOR PROJETS
AMPLI AMPLI-GRAIN 9 EURO
AMPLI MUTUELLE AMPLI GRAIN 9
AMPLI Mutuelle AMPLI-ASSURANCE VIE
3.75%
0.00%
0.00%
0.00%
+3.75 pts / 0 pt
AMPLI Patrimoine AMPLI-PER Liberté
3.50%
2.80%
0.00%
0.00%
+0.7 pt / 0 pt
ANTARIUS ANTARIUS AVENIR
ANTARIUS ANTARIUS DUO
ANTARIUS ANTARIUS SELECTION
APICIL APICIL CONNECT PER
APREP PIERRE DE SOLEIL
AREAS AREAS MULTISUPPORT
2.50% 3.40%
ARKEA BANQUE PRIVEE PERTINENCE RETRAITE ARKEA BANQUE PRIVEE
ASAC FAPES ASAC EPARGNE FIDELITE
2.10%
2.00%
/ +0.1 pt
ASAC FAPES ASAC FAPES PER
ASAC FAPES ASAC NEO VIE
3.13%
2.30%
0.00%
0.00%
+0.83 pt / 0 pt
ASAC FAPES ASAC VIE GENERATION
ASAC FAPES ÉPARGNE RETRAITE 2 PLUS
2.10%
2.00%
/ +0.1 pt
ASAC FAPES ERMG EVOLUTION
ASAC FAPES KAORI VIE
3.10% /
ASAC FAPES SOLID R VIE
3.10%
1.30%
/ +1.8 pt
ASSURANCEVIE.COM ASSURANCEVIE.COM SURAVENIR PER
ASSURANCEVIE.COM EVOLUTION PER ASSURANCE VIE.COM
ASSURANCEVIE.COM EVOLUTION VIE
2.44%
1.61%
0.00%
0.00%
+0.83 pt / 0 pt
ASSURANCEVIE.COM LUCYA CARDIF
3.00%
2.00%
0.00%
3.02%
+1 pt / -3.02 pt
Assurancevie.com PUISSANCE AVENIR
2.20%
1.80%
2.50%
2.10%
+0.4 pt / +0.4 pt
ASSURANCEVIE.COM PUISSANCE SELECTION
3.10%
1.30%
/ +1.8 pt
ATHYMIS GESTION ADVANCED BY ATHYMIS 2
3.03%
1.50%
0.00%
0.00%
+1.53 pt / 0 pt
AXA AMADEO EXCELLENCE VIE
2.10%
1.40%
/ +0.7 pt
AXA ARPEGES
2.00%
1.40%
3.50%
2.10%
+0.6 pt / +1.4 pt
AXA AXA ARPEGES
2.00%
1.40%
3.30%
2.80%
+0.6 pt / +0.5 pt
AXA PER AXA MA RETRAITE
AXA PRIVILEGE
BANQUE CHABRIERES ASSURANCE-VIE CHABRIERES
3.64%
2.64%
0.00%
0.00%
+1 pt / 0 pt
BANQUE PALATINE PALATINE VIBRATO
BANQUE POPULAIRE PER BANQUE POPULAIRE
BANQUE POPULAIRE BPCE HORIZÉO
BANQUE TRANSATLANTIQUE CNP ONE
BforBank BFORBANK VIE
1.80%
1.95%
3.13%
2.30%
-0.15 pt / +0.83 pt
BINCK.FR BINCK VIE
3.10%
1.80%
/ +1.3 pt
BNP PARIBAS BNP MULTIPLACEMENTS
BNP PARIBAS BNP MULTIPLACEMENTS PRIVILEGE
BNP PARIBAS BNP PARIBAS MULTIPLACEMENTS 2
3.00%
2.00%
5.00%
2.95%
+1 pt / +2.05 pts
BOURSE DIRECT BOURSE DIRECT HORIZON
3.10%
1.30%
/ +1.8 pt
BOURSORAMA BOURSORAMA VIE
3.10%
1.30%
3.60%
2.30%
+1.8 pt / +1.3 pt
Boursorama Banque BOURSORAMA MALTA PER
3.50%
2.30%
/ +1.2 pt
BRED BANQUE POPULAIRE VLAVIE
CAISSE D'EPARGNE AIKIDO
CAISSE D'EPARGNE MILLEVIE PREMIUM 2
2.30%
1.60%
4.03%
2.40%
+0.7 pt / +1.63 pt
CAISSE D'EPARGNE NUANCES 3D
2.15%
1.35%
3.65%
3.04%
+0.8 pt / +0.61 pt
CAISSE D'EPARGNE NUANCES CAPI
CAISSE D'EPARGNE NUANCES PLUS
2.20%
1.69%
3.70%
0.00%
+0.51 pt / +3.7 pts
CAISSE D'EPARGNE NUANCES PRIVILEGE
2.40%
1.75%
3.90%
0.00%
+0.65 pt / +3.9 pts
Caisse d‘Épargne MILLEVIE ESSENTIELLE 2
2.15%
1.45%
3.76%
2.18%
+0.7 pt / +1.58 pt
CAISSE D’EPARGNE MILLEVIE PER CAISSE D EPARGNE
CARAC CARAC ÉPARGNE PATRIMOINE
3.30%
2.50%
/ +0.8 pt
CARAC ENTRAID EPARGNE CARAC
CARAC EPARGNE GENERATION
CARAC PER INDIVIDUEL CARAC
3.60%
2.50%
/ +1.1 pt
CARAC PROFILEO CARAC
CARAVEL PER CARAVEL - INTENTIAL LIBERALYS RETRAITE
CARDIF CARDIF ELITE
3.00%
2.00%
5.00%
2.95%
+1 pt / +2.05 pts
CARDIF CARDIF ELITE RETRAITE
CARDIF CARDIF ESSENTIEL
3.00%
2.00%
/ +1 pt
Carrefour Banque CARREFOUR HORIZONS
Cashbee CASHBEE+
CIC / Crédit Mutuel PLAN ASSURANCE VIE
2.60%
2.10%
3.25%
0.00%
+0.5 pt / +3.25 pts
CNP ASSURANCES AMETIS
2.40%
1.40%
3.90%
3.38%
+1 pt / +0.52 pt
COREM PERIVIE
CORUM CORUM Life
4.45%*
0.00%
*Perf. annualisée
0.00%
0.00%
+4.45 pts / 0 pt
CREDIT AGRICOLE ANAE
2.95% 3.75%
CREDIT AGRICOLE ESPACE GESTION
CREDIT AGRICOLE FLORIANE 2
2.80%
2.30%
3.60%
3.10%
+0.5 pt / +0.5 pt
CREDIT AGRICOLE PER CTO CREDIT AGRICOLE
CREDIT AGRICOLE PREDISSIME 9 SERIE 2
2.40%
1.90%
3.20%
2.70%
+0.5 pt / +0.5 pt
CREDIT AGRICOLE VERS L AVENIR
2.60%
0.00%
2.80%
0.00%
+2.6 pts / +2.8 pts
Crédit Agricole Assurances PER Assurance PERSPECTIVE
3.27%
2.89%
/ +0.38 pt
CREDIT MUTUEL NAVIG PATRIMOINE
CREDIT MUTUEL NAVIG'OPTIONS
2.20%
1.70%
2.50%
2.00%
+0.5 pt / +0.5 pt
CREDIT MUTUEL PATRIMOINE OPTIONS
CREDIT MUTUEL ARKEA CREDIT MUTUEL PROJECTION RETRAITE
DEGROOF PERTERCAM CNP ONE
Divers CNP ONE
DIVERS EPARGNE EVOLUTION 2
DIVERS LIBERALYS VIE
DIVERS NETLIFE 2
E-NOVLINE E-NOVLINE
EASY BOURSE EASY BOURSE EASY VIE
2.40%
1.60%
3.90%
3.20%
+0.8 pt / +0.7 pt
EDMOND DE ROTHSCHILD ASSURANCES & CONSEILS CNP ONE
EPARGNISSIMO EPARGNISSIMO SURAVENIR PER
EPARGNISSIMO PER OBJECTIF RETRAITE - EPARGNISSIMO
ERES ERES by SPIRICA
ERES PER ERES
ERES PER RNEST ERES
FINANCIERE D'ORION FINORION PERTINENCE RETRAITE
FLUENCE CNP ONE
Fortuneo FORTUNEO VIE
2.20%
1.80%
2.50%
2.10%
+0.4 pt / +0.4 pt
Gaipare GAIPARE FIDELISSIMO
2.30%
2.20%
/ +0.1 pt
GAIPARE PER GAIPARE ZEN
GAIPARE SELECTISSIMO
2.30%
2.20%
/ +0.1 pt
GAN EUROCOURTAGE GALYA RETRAITE INDIVIDUELLE
GAN GROUPAMA GAN CHROMATYS
GAN PATRIMOINE PER GAN NOUVELLE VIE
GARANCE GARANCE SERENITE
0.00%
0.00%
0.00%
0.00%
0 pt / 0 pt
GARANCE MUTUELLE GARANCE EPARGNE
3.50%
2.80%
/ +0.7 pt
GAY LUSSAC GESTION CNP ONE
GENERALI EPARGNE GENERALI PLATINIUM
2.47%
2.00%
3.00% +0.47 pt
GENERALI ESPACE HORIZON 8
GENERALI HIMALIA
2.60%
1.45%
4.00%
2.90%
+1.15 pt / +1.1 pt
GENERALI OCTUOR
3.00%
1.35%
0.00%
2.70%
+1.65 pt / -2.7 pt
GENERALI PER GENERALI PATRIMOINE
GENERALI PER LA RETRAITE
GENERALI XAELIDIA
GMF MULTEO
2.80%
2.05%
/ +0.75 pt
GMF PER GMF
GMF VIE ALTINEO
GOODVEST GOODVIE
GOODVEST PER GOODVEST
GRESHAM PER GRESHAM BANQUE PRIVEE CONCORDANCE
Grisbee GRISBEE VIE
2.20%
1.80%
2.50%
2.10%
+0.4 pt / +0.4 pt
GROUPAMA PER GROUPAMA NOUVELLE VIE
GROUPE FORWARD CNP ONE
HEDIOS HEDIOS LIFE
2.20%
1.80%
2.50%
2.10%
+0.4 pt / +0.4 pt
HEREST CNP ONE
INDEXA CAPITAL INDEXA VIE SPIRICA
ING ING DIRECT VIE
3.10%
1.30%
/ +1.8 pt
INTENCIAL PATRIMOINE INTENCIAL LIBERALYS RETRAITE
INTERFIN COURTAGE INTERFIN COURTAGE PERTINENCE RETRAITE
LA BANQUE POSTALE ASCENDO
LA BANQUE POSTALE CACHEMIRE 2 SERIE 2
2.30%
1.40%
3.80%
2.80%
+0.9 pt / +1 pt
LA BANQUE POSTALE CACHEMIRE PATRIMOINE Série 2
2.40%
1.50%
2.90%
3.00%
+0.9 pt / -0.1 pt
LA BANQUE POSTALE CACHEMIRE PER
LA BANQUE POSTALE GMO
LA BANQUE POSTALE PERSPECTIVE CAPI
LA BANQUE POSTALE PERSPECTIVE VIE GENERATION
LA BANQUE POSTALE SANTINIUM CAPITALISATION
LA BANQUE POSTALE SANTINIUM VIE
LA BANQUE POSTALE VIVACCIO
La France Mutualiste ACTEPARGNE2
3.70%
2.11%
/ +1.59 pt
LA FRANCE MUTUALISTE LFM PER FORM
LA FRANCE MUTUALISTE LFM PER'Form
LA FRANCE MUTUALISTE PASSERELLE LFM
LA MEDICALE LA MEDICALE PREMIUM 2
LA MEDICALE PER LA MEDICALE PERENNITE
LCL LCL ACUITY EVOLUTION
2.95% 3.75%
LCL LCL Retraite PER
3.27%
2.89%
/ +0.38 pt
LCL LCL VIE
2.80% 3.60%
LE COMPTOIR DU PATRIMOINE REPLIQUE
LE CONSERVATEUR PER LE CONSERVATEUR
le groupe CORUM CORUM PERLife
LINXEA LINXEA AVENIR 2
2.20%
1.80%
2.50%
2.10%
+0.4 pt / +0.4 pt
LINXEA LINXEA PER
Linxea LINXEA SPIRIT 2
3.13%
2.30%
0.00%
0.00%
+0.83 pt / 0 pt
LINXEA LINXEA SPIRIT PER
LINXEA LINXEA SURAVENIR PER
LINXEA LINXEA VIE
3.10%
1.30%
/ +1.8 pt
Linxea LINXEA ZEN
1.00%
1.30%
3.40%
1.40%
-0.3 pt / +2 pts
LOUVRE BANQUE PRIVÉE CNP ONE
MAAF PER MAAF WINALTO RETRAITE
MAAF WINALTO
2.80%
2.05%
3.20% +0.75 pt
MAAF WINNEO
MAAF VIE DYNALTO
MACIF MACIF MULTI HORIZON RETRAITE
2.70%
1.60%
/ +1.1 pt
MACIF MUTAVIE ACTIPLUS OPTION
3.10%
2.20%
/ +0.9 pt
MACIF MUTAVIE JEEWAN PATRIMOINE
2.80%
1.80%
3.40%
2.20%
+1 pt / +1.2 pt
MACIF MUTAVIE LIVRET VIE
2.50%
1.60%
/ +0.9 pt
MACIF MUTAVIE MULTI VIE (MUTAVIE)
2.70%
1.60%
0.00%
0.00%
+1.1 pt / 0 pt
MACSF RES MULTISUPORT
3.10%
2.50%
/ +0.6 pt
MACSF RES Retraite
MAIF ASSURANCE VIE RESPONSABLE ET SOLIDAIRE
2.50%
2.10%
/ +0.4 pt
MAIF MAIF AVENIR PATRIMOINE
MAIF PER RESPONSABLE ET SOLIDAIRE MAIF
MATMUT MATMUT MULTI VIE
MATMUT PER MATMUT COMPLICE RETRAITE
Meilleurtaux MEILLEURTAUX LIBERTÉ PER
MEILLEURTAUX MEILLEURTAUX LIBERTE VIE
MEILLEURTAUX MEILLEURTAUX PER
Meilleurtaux MEILLEURTAUX PLACEMENT VIE
2.50%
1.80%
0.00%
2.10%
+0.7 pt / -2.1 pt
MEILLEURTAUX MEILLEURTAUX SURAVENIR PER
MEYON MEYON LIFE
MIF COMPTE EPARGNE LIBRE AVENIR MULTISUPPORT
3.05%
2.20%
/ +0.85 pt
MIF COMPTE EPARGNE TRANSMISSION
MIF MIF HORIZON EUROACTIF
3.05%
2.20%
/ +0.85 pt
MIF PER MIF RETRAITE
MILLEIS SPIRIMMO 2
MMA MMA MULTISUPPORT
2.25%
1.40%
3.25%
2.15%
+0.85 pt / +1.1 pt
MMA PER MMA SIGNATURE PER
MON PETIT PLACEMENT MON PETIT PLACEMENT VIE
3.70%
0.00%
/ +3.7 pts
MONABANQ MONABANQ VIE
3.10%
1.30%
/ +1.8 pt
MONCEAU ASSURANCE MONCEAU EUROPLUS
MONCEAU ASSURANCE MONCEAU MULTIFONDS
MONCEAU ASSURANCES DYNAVIE
2.90%
1.75%
0.00%
0.00%
+1.15 pt / 0 pt
Monceau Assurances PER MONCEAU RETRAITE
MONIWAN MONIWAN VIE
1.90%
1.20%
2.95%
1.43%
+0.7 pt / +1.52 pt
MUTUELLE DE POITIERS MUTUELLE DE POITIERS ASSURANCE PERTINENCE RETRAITE
My Pension MY PENSION XPER
NALO Nalo PER
Nalo Patrimoine NALO
2.95%
1.86%
3.92%
2.86%
+1.09 pt / +1.06 pt
NEKTAREA NEKTAREA
NEUFLIZE OBC CNP ONE
NORTIA CANOPIA VIE
NORTIA CNP ONE
Nortia Life Mobility Evolution
NORTIA NEOCTA
NORTIA NORTIA PER PRIVATE
ODDO BHF PREMAVENIR
ODDO BHF ASSET MANAGEMENT CNP ONE
ODDO BHF ASSET MANAGEMENT FIPAVIE SÉRENITÉ
ONEY ONEY
ORADEA ORADEA MUTLISUPPORT EXCELLENCE
PANDAT FINANCE CNP ONE
PATRIMEA P PER PATRIMEA
Patrimea PATRIMEA NETLIFE 2
1.70%
2.30%
3.13%
0.00%
-0.6 pt / +3.13 pts
PATRIMEA PATRIMEA SURAVENIR PER
PERLIB PER EXPERT
PERLIB PERLIB ABEILLE RETRAITE PLURIELLE
PERLIB PERLIB SWISSLIFE
PHILIPPE HOTTINGUER & CIE CNP ONE
PICTET LIA CNP ONE
PLACEMENT-DIRECT PER PLACEMENT-DIRECT
Placement-direct PLACEMENT-DIRECT EURO+
4.10%
0.00%
0.00%
0.00%
+4.1 pts / 0 pt
Placement-Direct PLACEMENT-DIRECT RETRAITE ISR
Placement-direct.fr DARJEELING
Placement-direct.fr PLACEMENT-DIRECT ESSENTIEL
2.00%
1.30%
4.12%
3.06%
+0.7 pt / +1.06 pt
Placement-direct.fr PLACEMENT-DIRECT VIE
1.70%
1.70%
4.00%
3.25%
0 pt / +0.75 pt
PREDICA ASTER INNOVATION II
PREDICA ASTER SELECTION
Predictis PERFutura Premium
PREFON PER PREFON-RETRAITE
PRIMONIAL CNP ONE
PRIMONIAL PRIMOPER PRIMONIAL
PRIMONIAL SERENIPIERRE
0.00%
0.70%
/ -0.7 pt
Primonial TARGET+
3.10%
0.00%
3.38%
2.50%
+3.1 pts / +0.88 pt
PRIMONIAL VIE ONE SELECT
PRO BTP MULTISUPPORT CONFIANCE
Ramify RAMIFY PER
0.00%
0.00%
0.00%
0.00%
0 pt / 0 pt
Ramify RAMIFY VIE
1.50%
0.00%
3.40%
0.00%
+1.5 pt / +3.4 pts
REMPART PATRIMOINE REMPART PATRIMOINE PERTINENCE RETRAITE
RITCHEE RITCHEE LIFE
ROTHSCHILD & CIE SELECTION MEZZODI
ROTHSCHILD MARTIN MAUREL CNP ONE
SALOMÉ PARTICIPATIONS CNP ONE
SG INNOVATION VIE CNP ONE
SG PRIVATE BANKING CNP ONE
Sicavonline KOMPOZ
1.99%
1.79%
2.50%
2.31%
+0.2 pt / +0.19 pt
SMA PER SMA
SMABTP BATI EPARGNE
2.50% /
Société Générale EBENE
3.15%
2.19%
3.70%
0.00%
+0.96 pt / +3.7 pts
SOCIETE GENERALE ERABLE ESSENTIEL
2.85%
1.60%
3.72%
2.88%
+1.25 pt / +0.84 pt
Société Générale PER ACACIA
SOCIETE GENERALE SEQUOIA
2.85%
1.95%
3.73%
0.00%
+0.9 pt / +3.73 pts
SOCIETE GENERALE SG INNOVATION VIE
SPIRICA SPIRICA INITIAL
SPIRICA SPIRICA OPPORTUNITES
STELLIUM COURTAGE STELLIUM COURTAGE PERTINENCE RETRAITE
STRATEGIE EURO PRESTIGE PER OPTIMUM VIE STRATEGIE EURO PRESTIGE
STRATEGIE EURO PRESTIGE (SEP) CNP ONE
Suravenir SURAVENIR OPPORTUNITES
2.50%
2.10%
0.00%
0.00%
+0.4 pt / 0 pt
SwissLife SwissLife PER Individuel
SWISSLIFE SWISSLIFE STRATEGIC PREMIUM
1.70%
1.50%
3.25%
3.05%
+0.2 pt / +0.2 pt
TEORA SELECTION CINTO
TOQUEVILLE FINANCE CNP ONE
UAF LIFE PATRIMOINE ARBORESCENCE 2
UAF LIFE PATRIMOINE CNP ONE
UAF LIFE PATRIMOINE OCTAVIE 4
UAF LIFE PATRIMOINE VERSION ABOSLUE 2
UAF LIFE PATRIMOINE VERSION ABSOLUE RETRAITE
UBS UBS CROISSANCE VIE
UBS FRANCE CNP ONE
UFF UFF COMPTE AVENIR PLUS
UFIFRANCE GESTION CNP ONE
UFIFRANCE GESTION CNP ONE CAPI
UMR COREM
UMR PER UMR PERIVIE
UNEP PER LIGNAGE
VIE PLUS AVENIR VIE PLUS
VIE PLUS PATRIMOINE VIE PLUS
VIE PLUS VIE PLUS PERTINENCE RETRAITE
WeSave WESAVE PATRIMOINE
2.20%
1.80%
0.00%
0.00%
+0.4 pt / 0 pt
YOMONI PER YOMONI
YOMONI YOMONI VIE
2.20%
1.80%
2.50%
2.10%
+0.4 pt / +0.4 pt
ZALPHA ZALPHA GEN










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