Discover the best managed managements on the market for 2022

After a historic year for the markets, 2022 promises to be much more threatening. The markets are battered 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 nearly 14 billion euros collected. In recent years, life insurance has evolved a lot and today offers an ideal solution at a lower cost if you are short of time: delegate the management of your contract to a professional. This is managed management. What are the best on the market? And where does the Best Rate Allocation Vie arbitrage mandate managed by Marc Fiorentino and his strategic committee rank? This is 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. He either has access to different managed management profiles (prudent, balanced, dynamic, etc.), or the management company determines the client’s profile to offer appropriate and personalized management.

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

There is thus as much managed management as there are managers. Everyone has their own management style. Some will, for example, carry out numerous arbitrages each month, to take advantage of short-term trends (even if the costs are then higher), while others favor a longer-term approach. The managers also differ in their choice of vehicles, with some favoring large zones (Europe, United States, Emerging countries) while others allocate a large part of their allocation to a particular country or sector.

At the beginning of 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 put forward by MoneyVox.

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Comparison of different contracts

* The Best Rates Allocation Vie mandate was launched on 09/04/2020

often firstthe best-rate Allocation Vie arbitrage mandate climbed to at least the podium for the best performances of 2020 and 2021 for each profile.

The prudent and balanced profiles are particularly distinguished in terms of their heritage character. With a performance of 9.69%* since April 2020, the cautious profile is performing very well despite low exposure to equity funds. Dynamic and offensive profiles are naturally reserved for more risk-loving investors.

The period we are living in requires us to be particularly reactive on the markets. In recent months, the choices made by Marc Fiorentino and his strategic committee have made it possible toadopt the right strategy in the face of risky and increasingly volatile markets.

Go 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 rebound after the spring crash, thanks to the rapid and cumulative action of governments and central banks.

The timing was ideal and his predictions turned out to be correct. From now on, it is prudence that dominates our allocations. They are currently underweight equities, following the exceptional rise in the markets in 2021.

Last year, we gradually reduced the allocation to the equity markets, to the benefit of the euro fund. And this, in order to guard against a resurgence of volatility caused by a growing and increasingly worrying inflation. On three occasions, equity market allocations were lowered, in February, June and September. Currently, they are at their lowest, as a precaution.

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

Best life benefit rate performance 2020 2021 2022

The Best Rate Allocation Vie mandate was launched on 04/09/2020. Performance since launch as of 02/28/2022. Source: Meilleurtaux Placement

In 2021, several forms of the arbitration mandate generated significant performance*:

  • Lyxor S&P 500: +38.32%
  • Federal Index US P: +36.97%
  • Nova Europe SRI A: +33.65%
  • Pictet-Security P: +30.92%
  • Lyxor FTSE 100: +26.00%
  • Comgest Growth Europe Opps: +23.44%
  • Lyxor Stoxx Europe 600 Oil & Gas: +21.57%
  • Moneta Multi Caps: +21.22%

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What strategy for 2022?

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

In the latest report from the Management Committee of Meilleurtaux Allocation Vie, Marc Fiorentino spoke of our current caution, particularly 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 soldiers are massed 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 about 5% to 10% in the stock market indices on the outbreak of the war, then downward pressure for a few weeks before the event, however major, is no longer an event for the markets. But it will mainly be on the side of oil, gas and therefore inflation that investors will look to determine the longer-term trend.

In the event of a confrontation, oil prices, but especially gas prices, would soar. This additional increase would have a direct impact on the economy, as we are already in an inflationary period. As a reminder, we decided in January to lower the “equities” portion as much as possible for each of the profiles. At the time, we explained our caution by fears of inflation slipping. Inflation has been galloping for several months, it risks becoming devastating in the event of a Russian-Ukrainian conflict, and above all a “gas war”. Faced with these fears, we are therefore maintaining 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 profiles of the arbitrage mandate, our investment strategy enables us to withstand this turbulent start to the year on the stock markets:

Performances best rate life allowance 2022

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Discover the best Life Allowance rates

The Best Rates Allocation Vie Arbitration Mandate allows you to delegate the management of your life insurance policy to the experts at Meilleurtaux Placement. The strategic investment committee built around Marc Fiorentino manages your 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 composed of Units of Account and funds in euros built around the convictions that we share in our newsletters, with arbitrations potentially every month to follow the evolution of these convictions over time.

The Best Rates Allocation Vie Arbitration Mandate offers you 4 formulas*** available to respond effectively to your saver profile, at no additional cost : 0 entry fees and 0 fees on your deposits (excluding specific media such as 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 boost the return on their life insurance.

The strategic committee meets monthly. It analyzes the macroeconomic environment, validates asset allocation and if necessary, make any adjustments deemed relevantin line with Marc Fiorentino’s macroeconomic forecasts.

At the beginning of each month, you receive the monthly report for the previous month defining, among other things, the composition of your allocation with a management commentary and a macro-economic point.

In addition to the Netissima euro fund, around fifteen funds are currently included in our allocation. Note that you have the possibility at any time to change your profile, or even to terminate your mandate 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 must be considered from a long-term perspective, representing a small part of an overall heritage. Unlike funds in euros, the value of these supports, 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 financial markets.

The performances displayed are communicated 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 displayed during the year do not take into account the potential return of the fund in euros. The complete performances of the mandates (funds in euros included) will be available in the reports dated 31/12 of each calendar year. To access the Netissima fund in euros, each investment must include at least 30% in units of account.

** The Best Rate Allocation Vie mandate was launched on 04/09/2020. Performance since launch as of 01/31/2022 – Source Meilleurtaux Placement. The performances displayed are communicated 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 displayed during the year do not take into account the potential return of the fund in euros. The complete performances of the mandates (funds in euros included) will be available in the reports dated 31/12 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 considered reliable. However, Meilleurtaux Placement accepts no liability in the event of direct or indirect loss resulting from the use by anyone of the information contained therein.

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