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*
www.patrimonia.be
*
info@patrimonia.be
*
Waterloo - Uccle
Guide des Assurances
Epargne Branche 21 (L'Echo-Mon Argent) |
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Offre Assurance Vie & Placement -
Branche 21 - 26
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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 ?
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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 sinon il est non cantonné
et dépend du résultat de la compagnie. |
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Branche 21 – Taux 0% + Bonus |
Tx.Base
2012 |
1-4 |
2011 |
2010 |
2009 |
2008 |
2007 |
2006 |
Canto |
L |
M |
I |
B |
C |
F |
S |
G |
RTot
*9 |
RPart
*8 |
Init
|
Cplt |
Du |
Dc |
|
Generali Crescendo Dynamico |
0.5% |
1 |
2% |
2,15% |
3% |
1.5% |
6,60% |
6,75% |
Non |
|
|
I |
|
C |
|
|
|
3%/1% |
33% |
2.000€ |
1.000€ |
≤ 45a |
130% |
|
ERGO Life Invest |
0% |
1 |
3,30% |
4,40% |
5% |
|
/ |
/ |
Non |
L |
M |
I |
B |
|
F |
|
G |
3%/1% |
15% |
2.500€ |
1.000€ |
≤ max |
130% |
|
Record Premium Invest
(cloturé) |
0% |
x |
|
2,50% |
2.50% |
0% |
6,10% |
|
? |
|
|
I |
|
C |
|
|
|
3%/1% |
15% |
2.500€ |
na |
≤
8a+10j |
na |
|
Axa Crest 40 (cloturé-reversement) |
0% |
x |
0% |
2,10% |
1.50% |
0% |
5,10% |
6,20% |
OUI |
|
|
|
|
C |
F |
|
|
3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
|
Axa Crest 30
(cloturé-reversement) |
0% |
x |
0,40% |
2,60% |
2.75% |
0% |
5,20% |
5,60% |
OUI |
|
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|
|
C |
F |
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|
3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
|
Axa Crest 30
Duo |
0% |
1 |
0% |
3% |
3.50% |
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|
OUI |
|
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|
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C |
F |
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3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
|
AG Insurance Top Rendement Invest |
0% |
1 |
|
2,50% |
3.05% |
0%
|
5,25% |
6,25% |
OUI |
L |
|
|
B |
C |
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|
|
2%/0.5% |
7% |
2.000€ |
1.000€ |
≤ max |
130% |
|
DeltaLloyd EternalAlpha(DLStrategyfunds) |
0% |
3 |
|
3,65% |
4.10% |
0% |
5.03% |
6.10% |
OUI |
L |
|
I |
B |
C |
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|
|
4.8%/0.1% |
5% |
2.500€ |
500€ |
≤ max |
130% |
|
Allianz ex-AGF Invest 4
LifeDynamic |
0% |
1 |
2% |
3% |
2.25% |
0,5% |
5.35% |
6.25% |
OUI |
|
|
I |
|
|
F |
|
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3%/0.05% |
10% |
6.200€ |
1.250€ |
≤ max |
130% |
|
Dexia Life Protect
Invest Plus
Lux
€,$US |
0% |
1 |
|
4% |
4.20% |
2.20% |
5.00% |
5.00% |
|
L |
|
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B |
C |
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2.5%/0.5% |
10% |
2.500€ |
1.250€ |
≤ max |
130% |
|
Nateus - Onyx
Dynamic
|
0% |
1 |
|
4,35% |
3.85 |
0% |
5.20% |
6.20% |
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M |
I |
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C |
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prora/avm |
100% |
2.500€ |
1.250e |
≤ max |
130% |
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Ethias First Invest
|
0% |
4 |
|
2,50% |
3% |
0% |
5,20% |
6,20% |
OUI |
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min |
min |
≤ max |
130% |
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Credimo Credo Invest |
0% |
1 |
2,50% |
3% |
3% |
1,50% |
5,50% |
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OUI |
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3,2,1% |
20% |
2.250€ |
1.000€ |
8a+1j |
130% |
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Branche 21 – Taux fixe +
Bonus |
Tx.Base
2012 |
* |
|
2010 |
2009 |
2008 |
2007 |
2006 |
Canto |
L |
M |
I |
B |
C |
F |
S |
G |
RTot
*9 |
RPart
*8 |
Init
|
Cplt |
Du |
Dc |
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Afer Europe France
(I1) |
1,3% |
6 |
3,43% |
3,52% |
4.12% |
4.36% |
4.42% |
4.33% |
OUI |
L |
M |
I |
|
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|
0% |
100% |
820€ |
50€ |
≤ max |
na |
|
Record Premium 1
(clôturé) |
|
1 |
|
3% |
3.20% |
3.00% |
4,50% |
4,50% |
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I |
|
C |
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3%/1% |
15% |
2.500€ |
na |
≤
8a+10j |
na |
|
Generali - Crescendo di Generali |
2% |
1 |
2,50% |
2,50% |
2.75% |
3% |
4,50% |
4,50% |
Non |
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I |
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3%/1% |
33% |
2.000€ |
1.000€ |
≤ 45a |
130% |
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AG Insurance Top Rendement Invest |
|
0 |
|
2,50% |
3.00% |
2,50% |
4,20% |
4,45% |
|
L |
|
|
B |
C |
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2%/0.5% |
7% |
2.000€ |
1.000€ |
≤ max |
130% |
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AG Insurance
Safe Return (Safe+) |
|
0 |
|
3,40% |
3.60% |
/ |
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L |
M |
I |
B |
C |
F |
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1%
tjrs |
10% |
2.000€ |
1.000€ |
≤ max |
130% |
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Axa
Crest
Classic |
3% |
1 |
3% |
3,05% |
3,20% |
3.75% |
4,10% |
4,20% |
Non |
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I |
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C |
F |
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3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
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Axa Crest 20 néo |
2,50% |
1 |
2,50% |
3% |
3.50% |
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I |
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C |
F |
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3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
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Axa Crest 20
(cloturé-reversement) |
2,50% |
x |
2,50% |
3% |
3.50% |
4,00% |
4.55% |
4.55% |
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|
I |
|
C |
F |
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3.6%/0.1% |
15% |
2.500€ |
1.250e |
≤ max |
130% |
|
Allianz Invest For Life Secure |
|
x |
|
3,25% |
3,25% |
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S |
|
3%/0.05% |
10% |
6.200€ |
1.250€ |
≤ max |
130% |
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Allianz Invest For Life Classic |
|
x |
|
3,50% |
4% |
4,00% |
4.90% |
5.00% |
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F |
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3%/0.05% |
10% |
6.200€ |
1.250€ |
≤ max |
130% |
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Allianz
Invest
for Life 3A
|
2,50% |
1 |
3,75% |
4% |
4.40% |
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I |
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C |
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Delta Lloyd SwingCapital Green Plus |
|
1 |
|
3,25% |
3.35% |
3,60% |
3.95% |
- |
OUI |
L |
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I |
B |
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F |
|
G |
3,2,1% |
15% |
2.500€ |
1.250€ |
≤
8a+1j |
130% |
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Delta Lloyd Eternal
(DLStrategyfunds) |
|
3 |
|
3,10% |
3.55% |
3.15% |
4.21% |
4.30% |
OUI |
L |
|
I |
B |
C |
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4.8%/0.1% |
5% |
2.500€ |
500€ |
≤ max |
130% |
|
Fortis Lux Vie Fonds Général (Lux) |
2% |
1 |
|
3,40% |
3.80% |
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C |
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Dexia Life & Pension Protect (Lux) |
2.25% |
1 |
|
3,25% |
4% |
2.45% |
4.00% |
4.00% |
|
L |
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B |
C |
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2.5%/0.5% |
10% |
2.500€ |
1.250€ |
≤ max |
130% |
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Nateus - Onyx Safe |
3,00% |
1 |
|
3,60% |
3.75% |
2,60% |
4.50% |
5.10% |
|
L |
M |
I |
B |
C |
F |
S |
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3,2,1% |
15% |
2.500€ |
1.250€ |
≤ max |
130% |
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Credimo Credo Secure |
3% |
1 |
3,50% |
3,75% |
4% |
4,50% |
4,75% |
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OUI |
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3,2,1% |
20% |
2.250€ |
1.000€ |
8a+1m |
130% |
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Ethias First
(Top?) |
|
4 |
|
2,50% |
3.28% |
3,00% |
4,20% |
4,20% |
Non |
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min |
min |
≤ max |
130% |
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BNP
Fortis Free Invest Plan |
|
4 |
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4% |
4% |
4% |
4,50% |
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1% |
10% |
2.500€ |
30€ |
8a+1m |
130% |
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fiscal Axa Opti-Plan |
2,50% |
3 |
2,50% |
2,50% |
2,50% |
2,50% |
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fiscal
Generali Self-Life |
2,85% |
3 |
2,85% |
2,85% |
3% |
3,50% |
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fiscal Ergo Life
Optimix |
2,50% |
3 |
3,85% |
4% |
4% |
4,50% |
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fiscal Delta Lloyd
Strategy |
|
3 |
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3,65% |
4,10% |
3,15% |
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Branche 26 – Taux
fixe + Bonus
(Intérêts Notionnels!) |
Tx.Base
2012 |
* |
|
2010 |
2009 |
2008 |
2007 |
2006 |
|
L |
M |
I |
B |
C |
F |
S |
G |
RTot
*9 |
RPart
*8 |
Init
|
Cplt |
Du |
Dc |
|
ERGO Life Safe |
2% |
2 |
3,25% |
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