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* Les principales
Solutions Financières sélectionnées * Version imprimable (fichier pdf) *
Dernière Mise
à Jour :
02/09/2010 08:59) |
|
*
www.patrimonia.be
*
info@patrimonia.be
*
Chaussée de Bruxelles 104 -
1410 Waterloo * T. 02.351 51 00 * F. 02.351 67 87
& Chée Reine Astrid 90 - 1420 Braine-l'Alleud
* T. 02.385 25 85 * F. 02.385 19 29
Guide des Assurances
Epargne Branche 21 (L'Echo-Mon Argent) |
|
Offre Assurance Vie & Placement -
Branche 21 - 26
|
|
Rentabilité, disponibilité,
fiscalité et transmission patrimoniale
+
Capital
garanti, Fiscalité intéressante et souple pour les
retraits
Les rendements sont
exprimés nets de frais de gestion annuels.
Pourquoi 2008 fut-il si mauvais en Branche
21 ?
Les 100.000€ de Protection sont ils
accordés à tous les contrats ?
|
|
Promo
en-cours
Nateus - Onyx Safe (no
taxe 1.1% > 31/03/2010)
|
|
Perf/an =
Performance annuelle depuis la création * Nb = Nombre
Année depuis la création *
Canto = Non/Bilan, Oui/HorsBilan *
L = lettre de promotion *
M = Mail de promotion * I = site internet *
B = Brochure * C =
Fiche Commerciale *
F = fiche info financière * S = Bulletin
de souscription * G = Conditions Générales *
Rtot =
indemnité de retrait > RPart * RPart = Retrait annuel
partiel gratuit * Init = Versement Initial * Cplt =
Versement complémentaire * Du = Durée * Dc = Couverture
Décès * na = non applicable
*
Un fonds est cantonné lorsqu’il fait l’objet d’une gestion
distincte des primes des assurés aussi non il est cantonné
et fait partie du blian de la compagnie.
|
|
Branche 21 – Taux 0% + Bonus |
Tx.Base
2009
*7 |
1-4 |
2009 |
2008 |
2007 |
2006 |
2005 |
Canto |
L |
M |
I |
B |
C |
F |
S |
G |
RTot
*9 |
RPart
*8 |
Init
|
Cplt |
Du |
Dc |
|
Generali Crescendo Dynamico |
0.5% |
1 |
3% |
1.5% |
6,60% |
6,75% |
5.1% |
Non |
|
|
I |
|
C |
|
|
|
3%/1% |
33% |
2.000€ |
1.000€ |
≤ 45a |
130% |
|
ERGO Life Invest |
0% |
1 |
5% |
|
/ |
/ |
/ |
Non |
L |
M |
I |
B |
|
F |
|
G |
3%/1% |
15% |
2.500€ |
1.000€ |
≤ max |
130% |
|
Record Premium Invest |
0% |
x |
2.50% |
|
|
|
/ |
|
|
|
I |
|
C |
|
|
|
3%/1% |
15% |
2.500€ |
na |
≤
8a+10j |
na |
|
Axa Crest
40 (cloturé-reversement) |
0% |
x |
1.50% |
0% |
|
|
|
OUI |
|
|
|
|
C |
F |
|
|
3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
|
Axa Crest 30
(cloturé-reversement) |
0% |
x |
2.75% |
0% |
5,20% |
5,60% |
5.60% |
OUI |
|
|
|
|
C |
F |
|
|
3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
|
Axa Crest 30
Duo |
0% |
1 |
3.50% |
|
|
|
|
OUI |
|
|
|
|
C |
F |
|
|
3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
|
AG Insurance Top Rendement Invest |
0% |
1 |
3.05% |
0%
|
5,25% |
6,25% |
6.10% |
OUI |
L |
|
|
B |
C |
|
|
|
2%/0.5% |
7% |
2.000€ |
1.000€ |
≤ max |
130% |
|
DeltaLloyd EternalAlpha(DLStrategy
-
les fonds) |
0% |
3 |
4.10% |
0% |
5.03% |
6.10% |
5.50% |
OUI |
L |
|
I |
B |
C |
|
|
|
4.8%/0.1% |
5% |
2.500€ |
500€ |
≤ max |
130% |
|
Allianz ex-AGF Invest 4
LifeDynamic |
0% |
1 |
2.25% |
0,5% |
5.35% |
6.25% |
6.00% |
OUI |
|
|
I |
|
|
F |
|
|
3%/0.05% |
10% |
6.200€ |
1.250€ |
≤ max |
130% |
|
Dexia Life Protect
Invest Plus (Lux)
€,$US |
0% |
1 |
4.20% |
2.20% |
5.00% |
5.00% |
|
|
L |
|
|
B |
C |
|
|
|
2.5%/0.5% |
10% |
2.500€ |
1.250€ |
≤ max |
130% |
|
Nell SAFE Invest (Myriad)
(Lux) |
0% |
1 |
2.50% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nateus - Onyx (Invest
) Dynamic
|
0% |
1 |
3.85 |
0% |
5.20% |
6.20% |
6.00% |
|
|
M |
I |
|
C |
|
|
|
prora/avm |
100% |
2.500€ |
1.250e |
≤ max |
130% |
|
LAP Ass. Atlantica
Invest, Atlantica & Futura |
0% |
4 |
3.75% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LAP Ass. Atlantica
Maxima |
0% |
4 |
3% |
0% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
BKCP Excellence
|
0% |
|
3.85% |
|
|
|
|
Non |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ethias First Invest
|
0% |
4 |
3% |
0% |
5,20% |
6,20% |
|
OUI |
|
|
|
|
|
|
|
|
|
|
min |
min |
≤ max |
130% |
|
Dexia Safe Invest Bonus |
0% |
4 |
? |
0% |
6,00% |
|
|
Non |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
BNP PARIBA SFortis Free Invest Plan |
0% |
4 |
3.05% |
0% |
5,25% |
6,25% |
|
Non |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|
Branche 21 – Taux fixe +
Bonus |
Tx.Base
2010
*7 |
* |
2009 |
2008 |
2007 |
2006 |
2005 |
Canto |
L |
M |
I |
B |
C |
F |
S |
G |
RTot
*9 |
RPart
*8 |
Init
|
Cplt |
Du |
Dc |
|
Afer Europe France
(I1) |
3.06% |
1 |
4.12% |
4.36% |
4.33% |
4.41% |
4.75% |
OUI |
L |
M |
I |
|
|
|
|
|
0% |
100% |
820€ |
50€ |
≤ max |
na |
|
Record Premium 1 |
2.75% |
1 |
3.20% |
3.00% |
4,50% |
4,50% |
/ |
|
|
|
I |
|
C |
|
|
|
3%/1% |
15% |
2.500€ |
na |
≤
8a+10j |
na |
|
Generali - Crescendo di Generali |
2.75% |
1 |
2.75% |
3,15% |
4,35% |
4,35% |
4.45% |
Non |
|
|
I |
|
|
|
|
|
3%/1% |
33% |
2.000€ |
1.000€ |
≤ 45a |
130% |
|
ERGO Life Safe |
2.75% |
1 |
4% |
4.50% |
|
|
|
Non |
L |
M |
I |
B |
|
F |
|
G |
3%/1% |
15% |
2.500€ |
1.000€ |
≤ max |
130% |
|
AG Insurance Top Rendement Invest |
2/2.5% |
0 |
3.00% |
3,25% |
3,85% |
3.84% |
4.00% |
|
L |
|
|
B |
C |
|
|
|
2%/0.5% |
7% |
2.000€ |
1.000€ |
≤ max |
130% |
|
AG Insurance
SafeReturn (Safe+) |
2.75% |
0 |
3.60% |
/ |
|
|
|
|
L |
M |
I |
B |
C |
F |
|
|
1%
tjrs |
10% |
2.000€ |
1.000€ |
≤ max |
130% |
|
Axa
Crest 10
Classic |
2.50% |
1 |
2,75>3,5% |
3.25% |
4,15% |
4,20% |
4.20% |
Non |
|
|
I |
|
C |
F |
|
|
3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
|
Axa Crest 20 néo |
2.00% |
1 |
3.50% |
|
|
|
|
|
|
|
I |
|
C |
F |
|
|
3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
|
Axa Crest 20
(cloturé-reversement) |
2% |
x |
3.50% |
4,00% |
4.55% |
4.55% |
4.45% |
|
|
|
I |
|
C |
F |
|
|
3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
|
Allianz Invest For Life Secure |
2.50% |
x |
3>3.75% |
|
|
|
|
|
|
|
|
|
|
|
S |
|
3%/0.05% |
10% |
6.200€ |
1.250€ |
≤ max |
130% |
|
Allianz Invest For Life Classic |
2.50% |
x |
4% |
4,00% |
4.90% |
5.00% |
5.00% |
|
|
|
|
|
|
F |
|
|
3%/0.05% |
10% |
6.200€ |
1.250€ |
≤ max |
130% |
|
Allianz Invest
for Life3A
pas de taxe 1.1% > 31/5/2010 |
2.50% |
1 |
4.40% |
|
|
|
|
|
|
|
I |
|
C |
|
|
|
|
|
|
|
|
|
|
Delta Lloyd SwingCapital Green Plus |
3.25% |
1 |
3.55% |
|
3.95% |
- |
- |
OUI |
L |
|
I |
B |
|
F |
|
G |
3,2,1% |
15% |
2.500€ |
1.250€ |
≤
8a+1j |
130% |
|
Delta Lloyd Eternal
(DL Strategy
-
tous les fonds) |
2.60% |
3 |
3.55% |
3.15% |
4.21% |
4.30% |
4.42% |
OUI |
L |
|
I |
B |
C |
|
|
|
4.8%/0.1% |
5% |
2.500€ |
500€ |
≤ max |
130% |
|
Fortis Luxembourg Vie Fonds Général (Lux) |
2,50% |
1 |
3.80% |
|
|
|
|
|
|
|
|
|
C |
|
|
|
|
|
|
|
|
|
|
Dexia Life & Pension Protect (Lux) |
2.25% |
1 |
3.45% |
2.45% |
4.00% |
4.00% |
4.00% |
|
L |
|
|
B |
C |
|
|
|
2.5%/0.5% |
10% |
2.500€ |
1.250€ |
≤ max |
130% |
|
Cali (Predica ) (Lux) |
2.50% |
1 |
3.70% |
3.90% |
4.00% |
3.95% |
4.05% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nell SAFE (Myriad)
(Lux) |
2.25% |
1 |
3.90% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nateus - Onyx Safe |
3% |
1 |
3.75% |
3.40% |
4.50% |
5.10% |
|
|
L |
M |
I |
B |
C |
F |
S |
|
3,2,1% |
15% |
2.500€ |
1.250€ |
≤ max |
130% |
|
Ethias First
|
2.50% |
4 |
3.25% |
3,00% |
4,20% |
4,20% |
4.15% |
Non |
|
|
|
|
|
|
|
|
|
|
min |
min |
≤ max |
130% |
|
Mercator Ster Select |
2.5% |
4 |
4% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
BKCP Secure Invest |
3.85% |
4 |
3.85% |
|
|
|
|
Non |
|
|
|
|
| |