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










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