The return on your savings with a financial investment

Maximize the return on your savings with financial investments

Switch to savings insurance now to improve your medium-term returns and enjoy tax benefits!

The RGF Group, your independent broker

How can you get a good return on your savings with a sound financial investment?

Finding the right balance

Insurance savings allow you to achieve medium-term returns with limited, predefined risk. This solution also allows you to keep your savings fully available.

Making good use of volatility

Volatility is perfectly normal since the securities held are subject to the law of supply and demand. The return will depend on the entry and exit values.

So when should you invest? It's impossible to know!

The solution: turn volatility into an asset by opting for recurrence! By making regular monthly payments, you secure your entry point by "averaging" the purchase price.

Find out more how to make financial investments with regular payments.

Diversification is a guarantee of security.

Over time, no asset class or geographic region can guarantee the best performance on a permanent basis.

Diversifying your investments helps smooth out the impact of market fluctuations.

The solution: investing through diversified flexible funds over a period of 10 years or more ensures optimal and secure returns.

Want to learn more? Find out which savings plan is best for your retirement.

Taxation

Assurance-Epargne benefits from favorable tax treatment. Thanks to the 2% withholding tax, Assurance-Epargne is exempt from all taxes on bank investments.

This effectively allows savers to enjoy a higher return on the same investment. To illustrate this advantage, let's compare Savings Insurance with a bank SICAV, for example:

BANKING SICAV

SAVINGS INSURANCE

Investment/gross premium

Final tax (2%)

Investment/premium invested

Average return over 10 years

Gross value after 10 years

Withholding tax (30%)

ToB (1.32%)

Net value after 10 years

$2,000/month

5% per year

306.726€

-20.017€

-3.784€

282.925€

$2,000/month

-40€

$1,960/month

5% per year

300.592€

Savings insurance, an essential tool

Savings insurance, through regular payments, is THE tailor-made solution, adapted to the needs of the saver. It meets both the desire for returns AND the need to secure savings.