Discover the best managed managements on the market for 2022

After a historic year for the markets, 2022 promises to be much more ominous. The markets are badly treated and for the individual investor, the situation is not easy to manage. Massively, the French still favor life insurance, by far their favorite investment with an exceptional start to the year and almost €14 billion raised. In recent years, life insurance has evolved a lot and today it offers an ideal solution at a lower cost if you are short on time: delegate the management of your contract to a professional. This is managed management. What are the best on the market? And where is the Best Rate Allocation Vie arbitration mandate administered by Marc Fiorentino and his strategic committee? That’s what we invite you to discover in this article.

What is Managed Management?

Piloted management (or discretionary management) takes into account the profile of the investor. Either he has access to different managed management profiles (prudent, balanced, dynamic, etc.), or the manager determines the client’s profile to offer adequate and personalized management.

Piloted management is intended active in terms of arbitration. It is done through a management mandate that gives the manager the power to manage his portfolio, according to his investment horizon, his risk tolerance, his investor profile and his objectives. Thus, the manager will regularly carry out arbitrations, according to your expectationsto take advantage of trends in different markets, beat indices and passive management.

There is, therefore, as much managed management as there are managers.. Everyone has their management style. Some, for example, will carry out numerous arbitrages every month to take advantage of short-term trends (even if the costs are higher), while others prefer a longer-term approach. Managers also differ in the choice of vehicles, with some privileging large areas (Europe, United States, emerging countries), while others allocate a large part of their allocation to a particular country or sector.

In early March, the online media MoneyVox carried out a comparison of managed management contracts. Based on the performance of 2020, 2021 and 2022, we propose to compare our arbitration mandate with those presented by MoneyVox.

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Comparison of different contracts

* Best Rate Allocation Vie mandate was released on 04/09/2020

often firstBest Allocation Vie rate arbitration mandate climbed at least to the podium for 2020 and 2021 top performers for each profile.

The prudent and balanced profiles are particularly distinguished by their patrimonial nature. Performing 9.69%* since April 2020, the cautious profile performs very well despite low exposure to equity funds. Dynamic and offensive profiles are naturally reserved for more risk-taking investors.

The period in which we live requires us to be particularly reactive in the markets. In recent months, the choices made by Marc Fiorentino and his strategic committee have allowedadopt the right strategy in the face of risky and increasingly volatile markets.

Come back. When the contract was launched in April 2020, the Allocations reflected Marc Fiorentino’s optimism. They were overweight in equities because Marc anticipated a strong stock market rally after the spring crash, thanks to quick and cumulative action by governments and central banks.

the moment was ideal and his predictions turned out to be correct. From now on, it’s prudence that dominates our allocations. They are currently underweight stocks, following the exceptional rally in 2021 markets.

Last year, we gradually reduced the allocation to equity markets, to the benefit of the euro fund. And this, to guard against a resurgence of volatility caused by rising and increasingly worrying inflation. On three occasions, stock market allocations were reduced, in February, June and September. They are currently at their lowest level, just in case.

The cumulative performances* of the 4 profiles with the best Life Allowance rate, as of February 28, 2022:

Best Lifetime Benefit Rate Performance 2020 2021 2022

The Best Rate Allocation Vie mandate was released on 09/04/2020. Performance since launch on 2/28/2022. Source: Meilleurtaux Placement

In 2021, various forms of arbitration mandates generated significant performance*:

  • Lyxor S&P 500: +38.32%
  • Federal US P Index: +36.97%
  • New Europe ISR A: +33.65%
  • Pictet-Security P: +30.92%
  • Lyxor FTSE 100: +26.00%
  • Comgest Growth Europe Ops: +23.44%
  • Lyxor Stoxx Europe 600 Oil and Gas: +21.57%
  • Multi Caps Coin: + 21.22%

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Which strategy for 2022?

This beginning of the year is marked by high volatility in the stock market. Record inflation, normalization of monetary policies, war in Ukraine… there is no shortage of destabilizing issues. Overall, the major European indices have fallen by 10% since January 1st and have entered the correction zone. In the face of such risks, the greatest caution must be adopted in the markets. This caution has been at the heart of the Strategy Committee’s decisions for several months and is reflected in the attributions of the arbitration mandate.

In the latest report by the Meilleurtaux Allocation Vie Management Committee, Marc Fiorentino spoke of our current caution, especially in the face of tensions in Ukraine. His comment was written on February 21, three days before Russia invaded Ukraine:

“According to the United States and according to NATO, the invasion of Ukraine by Russia is imminent. 90,000 Russian troops are concentrated on the Ukrainian border. Separatists have accused Ukraine of repeatedly breaking the ceasefire, the perfect pretext for a Russian offensive aimed at “defending” Russian separatists from Ukraine. If history can be used as a reference, there would be two consequences: an immediate drop of around 5% to 10% in stock market indices at the outbreak of war, then downward pressure for a few weeks before the event, however big, ceased to be an event for the markets. But it will mainly be on the oil, gas and therefore inflation side that investors will look to determine the long-term trend.

In the event of a confrontation, oil prices, but especially gas prices, would rise. This additional increase would have a direct impact on the economy, as we are already in an inflationary period. As a reminder, in January we decided to reduce the share of “actions” for each of the profiles as much as possible. At the time, we explained our caution due to fears of falling inflation. Inflation has been galloping for several months now, it is in danger of becoming devastating in the event of a Russian-Ukrainian conflict and, above all, a “gas war”. In the face of these fears, we therefore maintain our very cautious allocation, with a portion invested in equities reduced to a minimum.”

Here are the current allocations for each investor profile:

allowances best rates life allowance profile

After excellent performance in 2021 for our different arbitration mandate profiles, our investment strategy allows us to withstand this turbulent start to the year on the stock exchanges:

Performance with best life allowance rate 2022

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Discover the best Life Allowance rates

Allocation of Best Rates Vie Arbitration Mandate allows you to delegate the management of your life insurance policy to the specialists at Meilleurtaux Placement. The strategic investment committee built around Marc Fiorentino administers his contract under this arbitration mandate. It combines independent and complementary expertise in asset allocation.

You have nothing to do! Meilleurtaux Placement offers you to invest in an allocation managed by investment experts. An allocation made up of Units of Account and funds in euros built around the convictions we share in our newsletters, with potentially monthly arbitrations to monitor the evolution of these convictions over time.

Allocation of Best Rates Vie Arbitration Mandate offers you 4 formulas*** available to respond effectively to your savings profile, no additional cost : 0 application fees and 0 fees on your deposits (excluding specific media like SCI and OPCI), free arbitration. The arbitration mandate is available from 10,000 euros and takes into account the investor profile: cautious, balanced, dynamic, offensive. For investors, this is a valuable asset in terms of responsiveness and an excellent way to increase your life insurance return.

The strategic committee meets monthly. Analyzes the macroeconomic environment, validates asset allocation and if necessary, make the relevant adjustmentsin line with Marc Fiorentino’s macroeconomic forecasts.

At the beginning of each month, you receive the previous month’s monthly report defining, among other things, the composition of your allocation with a management comment and a macroeconomic point.

In addition to the Netissima euro fund, about fifteen funds are currently included in our allocation. Please note that you have the possibility at any time to change your profile, or even to end your term, if you wish to switch to free management. For free, of course.

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Non-contractual communication for advertising purposes

* Past performance is not indicative of future performance and is not constant over time. Investment in shares, bonds or UCITS presents a significant risk of capital loss and should be considered in a long-term perspective, representing a small part of a global wealth. Unlike euro funds, the value of this support, which reflects the value of the underlying assets, is not guaranteed, but is subject to upward or downward fluctuations, depending in particular on the evolution of the financial markets.

Performances shown are reported net of management fees for the best rate Allocation Vie life insurance contract or Best rate Allocation Capitalization capitalization contract, but gross of social security and tax deductions. Knowing that the Netissima fund in euros is revalued only once a year (in January of year N+1), the performances presented throughout the year do not take into account the potential return of the fund in euros. Full mandate performances (including euro funds) will be available in reports dated 12/31 of each calendar year. To access the Netissima fund in euros, each investment must include at least 30% in units of account.

** Best Rate Allocation Vie mandate was released on 09/04/2020. Performance since release on 01/31/2022 – Source Meilleurtaux Placement. Performances shown are reported net of management fees for the best rate Allocation Vie life insurance contract or Best rate Allocation Capitalization capitalization contract, but gross of social security and tax deductions. Knowing that the Netissima fund in euros is revalued only once a year (in January of year N+1), the performances presented throughout the year do not take into account the potential return of the fund in euros. Full mandate performances (including euro funds) will be available in reports dated 12/31 of each calendar year. To access the Netissima fund in euros, each investment must include at least 30% in units of account.

All information presented in this document comes from sources believed to be reliable. However, Meilleurtaux Placement is not responsible for any direct or indirect loss resulting from the use by any person of the information contained therein.

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