{"id":41204,"date":"2017-01-12T17:38:32","date_gmt":"2017-01-12T16:38:32","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/placements\/assurance-vie-classement-et-comparatif-des-taux-de-rendement.html"},"modified":"2026-02-25T22:23:30","modified_gmt":"2026-02-25T21:23:30","slug":"assurance-vie-classement-et-comparatif-des-taux-de-rendement","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/placements\/assurance-vie-classement-et-comparatif-des-taux-de-rendement.html","title":{"rendered":"Assurance vie 2026 : classement et comparatif des taux de rendement 2025"},"content":{"rendered":"

Tout savoir sur les taux de rendement 2025 des fonds euros, \u00e0 capital garanti, des contrats d’assurance vie et les pr\u00e9visions des experts. Performances pr\u00e9sent\u00e9es nettes de frais de gestion, hors pr\u00e9l\u00e8vements sociaux et fiscaux.<\/p>\n

<\/span><\/a>Classement des meilleurs taux 2025 des fonds euros d’assurance vie<\/span><\/h2>\n

<\/span>Meilleurs taux de rendement 2025<\/span><\/h3>\n
\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Nom(s) assurance vie<\/th>Assureur<\/th>Taux 2025<\/th>Taux 2024<\/th>Type<\/th>\n<\/tr>\n<\/thead>\n
Corum Life<\/td>Corum Life<\/td>4,10%<\/td>4,65%<\/td>Multisupports<\/td>\n<\/tr>\n
AMPLI-Assurance vie<\/td>AMPLI Mutuelle<\/td>3,75%<\/td>3,75%<\/td>Monosupport<\/td>\n<\/tr>\n
Placement-direct Euro+<\/td>SwissLife<\/td>3,60%<\/td>3,60%<\/td>Monosupport<\/td>\n<\/tr>\n
Entraid'Epargne Carac<\/td>Carac <\/td>3,55%<\/td>3,50%<\/td>Monosupport<\/td>\n<\/tr>\n
Carac Epargne Patrimoine, Carac Epargne G\u00e9n\u00e9ration<\/td>Carac <\/td>3,55%<\/td>3,50%<\/td>Multisupports<\/td>\n<\/tr>\n
Carac Profil\u00e9o<\/td>Carac<\/td>3,55%<\/td>3,50%<\/td>Multisupports<\/td>\n<\/tr>\n
Gamme Act\u00e9pargne2, Livret Jeun\u2019Avenir, Livret RM<\/td>La France Mutualiste<\/td>3,50%<\/td>3,60%<\/td>Multisupports<\/td>\n<\/tr>\n
Plan B (Mon Petit Placement) <\/td>La France Mutualiste<\/td>3,50%<\/td>3,60%<\/td>Monosupport<\/td>\n<\/tr>\n
Passerelle<\/td>La France Mutualiste<\/td>3,50%<\/td>3,60%<\/td>Multisupports<\/td>\n<\/tr>\n
Garance Epargne<\/td>Garance mutuelle<\/td>3,50%<\/td>3,50%<\/td>Multisupports<\/td>\n<\/tr>\n
Contrats multisupports MIF<\/td>MIF<\/td>3,45%<\/td>3,35%<\/td>Multisupports<\/td>\n<\/tr>\n
Fonds Euro Objectif
\nClimat (divers contrats)<\/td>		Spirica<\/td>3,26%<\/td>3,31%<\/td>Multisupports<\/td>\n<\/tr>\n
Carnet Multi \u00c9pargne<\/td>Monceau Assurances<\/td>3,20%<\/td>2,80%<\/td>Multisupport<\/td>\n<\/tr>\n
RES Multisupport<\/td>MACSF<\/td>3,15% ou 3,20%<\/td>3,10% ou 3,15%<\/td>Multisupports<\/td>\n<\/tr>\n
RES monosupport<\/td>MACSF<\/td>3,15%<\/td>3,10%<\/td>Monosupport<\/td>\n<\/tr>\n
Dynavie<\/td>Monceau Assurances<\/td>3,15%<\/td>3%<\/td>Multisupport<\/td>\n<\/tr>\n
Actiplus<\/td>Macif Vie (ex-Mutavie)<\/td>3,10%<\/td>3,10%<\/td>Monosupport<\/td>\n<\/tr>\n
Actiplus Option<\/td>Macif Vie (ex-Mutavie)<\/td>3,10%<\/td>3,10%<\/td>Multisupports<\/td>\n<\/tr>\n
Asac Neo Vie - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,08%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
Epargne Evolution 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,08%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
Linxea Spirit 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,08%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
meilleurtaux
\nLibert\u00e9 Vie - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>		Spirica<\/td>3,08%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
Netlife 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,08%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
Arborescence
\nOpportunit\u00e9s 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>		Spirica<\/td>3,08%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
Assurance Vie Responsable et Solidaire (ARS)<\/td>MAIF Vie<\/td>3,05%<\/td>3%<\/td>Multisupport<\/td>\n<\/tr>\n
Notavie Premium - fonds en euros Unovie<\/td>Unofi<\/td>3,01% \u00e0 3,40%<\/td>2,91% \u00e0 3,30%<\/td>Multisupports<\/td>\n<\/tr>\n
BoursoVie (ex-Boursorama Vie) - fonds Euro Exclusif<\/td>Generali<\/td>3% \u00e0 4,60%<\/td>3% \u00e0 4,50%<\/td>Multisupports<\/td>\n<\/tr>\n
Matmut Vie Epargne<\/td>Matmut Vie<\/td>3%<\/td>3%<\/td>Monosupport<\/td>\n<\/tr>\n
Matmut Vie G\u00e9n\u00e9rations<\/td>Matmut Vie<\/td>3%<\/td>3%<\/td>Monosupport<\/td>\n<\/tr>\n
Digital Vie, Fortuneo Vie, Linxea Avenir, Meilleurtaux Placement Vie, Puissance Avenir, Yomoni Vie -
\nfonds Suravenir Opportunit\u00e9s et Suravenir Opportunit\u00e9s 2<\/td>		Suravenir <\/td>3% \u00e0 4,50%<\/td>2,50% \u00e0 4%<\/td>Multisupports<\/td>\n<\/tr>\n
Contrats Internet - Fonds euros Netissima<\/td>Generali Vie<\/td>3% \u00e0 4,60%<\/td>3% \u00e0 3,50%<\/td>Multisupports<\/td>\n<\/tr>\n
S\u00e9curit\u00e9 Target
\nEuro - Target+
\n<\/td>		Orad\u00e9a Vie<\/td>2,80%<\/td>3,10%<\/td>Multisupports<\/td>\n<\/tr>\n
Fonds Euro classique - Target+
\n<\/td>		Orad\u00e9a Vie<\/td>2,80% \u00e0 4,30%<\/td>3% \u00e0 5%<\/td>Multisupports<\/td>\n<\/tr>\n
Assurance Vie Hello ! (frais \u00e0 0,60%)<\/td>Cardif Assurance Vie<\/td>2,85%<\/td>2,90%<\/td>Multisupports<\/td>\n<\/tr>\n
Jeewan Patrimoine<\/td>Macif Vie (ex-Mutavie)<\/td>2,80% \u00e0 3,40%<\/td>2,80% \u00e0 3,40%<\/td>Multisupports<\/td>\n<\/tr>\n
BNP Paribas Multiplacements 2<\/td>Cardif Assurance Vie<\/td>2,75% \u00e0 4,55%<\/td>2,75% \u00e0 4,75%<\/td>Multisupport<\/td>\n<\/tr>\n
Cardif Elite<\/td>Cardif Assurance Vie<\/td>2,75% \u00e0 4,55%<\/td>2,75% \u00e0 4,75%<\/td>Multisupport<\/td>\n<\/tr>\n
Assurance Vie Hello ! (frais \u00e0 0,70%)<\/td>Cardif Assurance Vie<\/td>2,75%<\/td>2,80%<\/td>Multisupports<\/td>\n<\/tr>\n
Epargne vie Milleis, Barclays Prestige <\/td>Milleis Vie<\/td>2,75%<\/td>2,75%<\/td>Multisupports<\/td>\n<\/tr>\n
LCL Acuity Evolution<\/td>Predica<\/td>2,70% \u00e0 3,50%<\/td>2,95% \u00e0 3,75%<\/td>Multisupports<\/td>\n<\/tr>\n
CLER <\/td>AXA<\/td>2,75%<\/td>2,50%<\/td>Multisupport<\/td>\n<\/tr>\n
Ana\u00e9<\/td>Predica<\/td>2,70% \u00e0 3,50%<\/td>2,95% \u00e0 3,75%<\/td>Multisupports<\/td>\n<\/tr>\n
Macif \u00c9pargne Vie<\/td>Macif Vie (ex-Mutavie)<\/td>2,70% \u00e0 2,90%<\/td>2,70%<\/td>Multisupports<\/td>\n<\/tr>\n
Contrats monosupports MIF<\/td>MIF<\/td>2,65%<\/td>2,65%<\/td>Monosupports <\/td>\n<\/tr>\n
Afer - fonds garanti<\/td>Abeille Assurance<\/td>2,65%<\/td>2,51%<\/td>Multisupports et monosupport<\/td>\n<\/tr>\n
LCL Vie<\/td>Predica<\/td>2,55% \u00e0 3,35%<\/td>2,80% \u00e0 3,60%<\/td>Multisupports<\/td>\n<\/tr>\n
Floriane 2<\/td>Predica<\/td>2,55% \u00e0 3,35%<\/td>2,80% \u00e0 3,60%<\/td>Multisupports<\/td>\n<\/tr>\n
Multisupport et Multisupport 3<\/td>Ar\u00e9as Vie<\/td>2,50% \u00e0 3,40%<\/td>2,50% \u00e0 3,40%<\/td>Multisupports<\/td>\n<\/tr>\n
Winalto<\/td>MAAF Vie<\/td>2,50% \u00e0 2,90%<\/td>2,70% \u00e0 3,10%<\/td>Multisupports<\/td>\n<\/tr>\n
Contrats GMF<\/td>GMF Vie<\/td>2,50% \u00e0 2,90%<\/td>2,70%<\/td>Monosupports et Multisupports<\/td>\n<\/tr>\n
Contrats Gaipare <\/td>Allianz France<\/td>2,58% \u00e0 3,58%<\/td>2,55%<\/td>Monosupports et Multisupports<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div>\n

Sources : assureurs, distributeurs, compilation ToutSurMesFinances<\/em><\/p>\n

Ci-dessus, les annonces de taux de rendement des fonds euros publi\u00e9s pour l’ann\u00e9e 2025. Ils sont, en tendance, globalement stables par rapport \u00e0 2024. \u00c0 ce jour, le meilleur taux servi au titre de 2025 atteint 4,10% pour le fonds en euros Corum EuroLife du contrat Corum Life (accessible dans la limite de 25% du contrat), un rendement en baisse par rapport \u00e0 2024 (4,65%).<\/p>\n

En 2025, de nombreux assureurs ont poursuivi leur politique de bonus de rendement (ou taux boost\u00e9s) \u00e0 leurs clients, ce qui aboutit \u00e0 des performances diff\u00e9rentes d’un titulaire de contrat \u00e0 un autre, pour un m\u00eame produit souscrit, principalement en fonction de la part de fonds en unit\u00e9s de compte (supports non garantis par l’assureur) d\u00e9tenue.<\/p>\n

<\/span>Meilleurs taux de rendement 2024<\/span><\/h3>\n
\n\n\n\n\n\t\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Nom(s) assurance vie<\/th>Assureur<\/th>Taux 2024<\/th>Taux 2023<\/th>Type<\/th>\n<\/tr>\n<\/thead>\n
Sources : assureurs, distributeurs (* Corum, Placement-direct Euro+, AMPLI : taux annualis\u00e9 pour 2023)<\/th>\n<\/tr>\n<\/tfoot>\n
Corum Life<\/td>Corum Life<\/td>4,65%<\/td>4,45% *<\/td>Multisupports<\/td>\n<\/tr>\n
AMPLI-Assurance vie<\/td>AMPLI Mutuelle<\/td>3,75%<\/td>3,75% *<\/td>Monosupport<\/td>\n<\/tr>\n
Placement-direct Euro+<\/td>SwissLife<\/td>3,60%<\/td>4,10% *<\/td>Monosupport<\/td>\n<\/tr>\n
Gamme Act\u00e9pargne2, Livret Jeun\u2019Avenir, Livret RM<\/td>La France Mutualiste<\/td>3,60%<\/td>3,70%<\/td>Multisupports<\/td>\n<\/tr>\n
Plan B (Mon Petit Placement) <\/td>La France Mutualiste<\/td>3,60%<\/td>3,70%<\/td>Monosupport<\/td>\n<\/tr>\n
Passerelle<\/td>La France Mutualiste<\/td>3,60%<\/td>3,70%<\/td>Multisupports<\/td>\n<\/tr>\n
Garance Epargne<\/td>Garance mutuelle<\/td>3,50%<\/td>3,50%<\/td>Multisupports<\/td>\n<\/tr>\n
S\u00e9curit\u00e9 Infra
\nEuro - Target+
\n<\/td>		Orad\u00e9a Vie<\/td>3,50%<\/td>3,50%<\/td>Multisupports<\/td>\n<\/tr>\n
Carac Profil\u00e9o<\/td>Carac<\/td>3,50%<\/td>3,30%<\/td>Multisupports<\/td>\n<\/tr>\n
Carac Epargne Patrimoine, Carac Epargne G\u00e9n\u00e9ration<\/td>Carac <\/td>3,50%<\/td>3,30%<\/td>Multisupports<\/td>\n<\/tr>\n
Entraid'Epargne Carac<\/td>Carac <\/td>3,50%<\/td>3,30%<\/td>Monosupport<\/td>\n<\/tr>\n
Contrats multisupports MIF<\/td>Carac<\/td>3,35%<\/td>3,05%<\/td>Multisupports<\/td>\n<\/tr>\n
Fonds Euro Objectif
\nClimat (divers contrats)<\/td>		Spirica<\/td>3,31%<\/td>-<\/td>Multisupports<\/td>\n<\/tr>\n
Contrats monosupports Carac<\/td>Carac <\/td>3,30%<\/td>3,10%<\/td>Monosupports<\/td>\n<\/tr>\n
Epargne Evolution 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,13%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
Asac Neo Vie - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,13%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
Linxea Spirit 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,13%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
meilleurtaux
\nLibert\u00e9 Vie - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>		Spirica<\/td>3,13%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
Netlife 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,13%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
Arborescence
\nOpportunit\u00e9s 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>		Spirica<\/td>3,13%<\/td>3,13%<\/td>Multisupports<\/td>\n<\/tr>\n
RES Multisupport<\/td>MACSF<\/td>3,10% ou 3,15%<\/td>3,10% ou 3,15%<\/td>Multisupports<\/td>\n<\/tr>\n
S\u00e9curit\u00e9 Target
\nEuro - Target+
\n<\/td>		Orad\u00e9a Vie<\/td>3,10%<\/td>3,38%<\/td>Multisupports<\/td>\n<\/tr>\n
RES monosupport<\/td>MACSF<\/td>3,10%<\/td>3,10%<\/td>Monosupport<\/td>\n<\/tr>\n
Actiplus<\/td>Mutavie (Macif)<\/td>3,10%<\/td>3,10%<\/td>Monosupport<\/td>\n<\/tr>\n
Actiplus Option<\/td>Mutavie (Macif)<\/td>3,10%<\/td>3,10%<\/td>Multisupports<\/td>\n<\/tr>\n
BoursoVie (ex-Boursorama Vie) - fonds Euro Exclusif<\/td>Generali<\/td>3%<\/td>3,10% \u00e0 4,60%<\/td>Multisupports<\/td>\n<\/tr>\n
Matmut Vie Epargne<\/td>Matmut Vie<\/td>3%<\/td>3%<\/td>Monosupport<\/td>\n<\/tr>\n
Dynavie<\/td>Monceau Assurances<\/td>3%<\/td>2,90%<\/td>Multisupport<\/td>\n<\/tr>\n
Matmut Vie G\u00e9n\u00e9rations<\/td>Matmut Vie<\/td>3%<\/td>2,75%<\/td>Monosupport<\/td>\n<\/tr>\n
Assurance Vie Responsable et Solidaire (ARS)<\/td>MAIF Vie<\/td>3%<\/td>2,50%<\/td>Multisupport<\/td>\n<\/tr>\n
Fonds Euro classique - Target+
\n<\/td>		Orad\u00e9a Vie<\/td>3% \u00e0 5%<\/td>3,10% \u00e0 5,10%<\/td>Multisupports<\/td>\n<\/tr>\n
Contrats Internet - Fonds euros Netissima<\/td>Generali Vie<\/td>3% \u00e0 3,50%<\/td>3,10% \u00e0 4,12%<\/td>Multisupports<\/td>\n<\/tr>\n
LCL Acuity Evolution<\/td>Predica<\/td>2,95% \u00e0 3,75%<\/td>2,95% \u00e0 3,75%<\/td>Multisupports<\/td>\n<\/tr>\n
Ana\u00e9<\/td>Predica<\/td>2,95% \u00e0 3,75%<\/td>2,95% \u00e0 3,75%<\/td>Multisupports<\/td>\n<\/tr>\n
Notavie Premium<\/td>Unofi<\/td>2,91% \u00e0 3,30%<\/td>2,91% \u00e0 3,30%<\/td>Multisupports<\/td>\n<\/tr>\n
Assurance Vie Hello ! (frais \u00e0 0,60%)<\/td>Cardif Assurance Vie<\/td>2,85%<\/td>3,10%<\/td>Multisupports<\/td>\n<\/tr>\n
LCL Vie<\/td>Predica<\/td>2,80% \u00e0 3,60%<\/td>2,80% \u00e0 3,60%<\/td>Multisupports<\/td>\n<\/tr>\n
Floriane 2<\/td>Predica<\/td>2,80% \u00e0 3,60%<\/td>2,80% \u00e0 3,60%<\/td>Multisupports<\/td>\n<\/tr>\n
Carnet Multi \u00c9pargne<\/td>Monceau Assurances<\/td>2,80%<\/td>3,10%<\/td>Multisupport<\/td>\n<\/tr>\n
BNP Paribas Multiplacements 2<\/td>Cardif Assurance Vie<\/td>2,75% \u00e0 4,75%<\/td>3% \u00e0 5%<\/td>Multisupport<\/td>\n<\/tr>\n
Cardif Elite<\/td>Cardif Assurance Vie<\/td>2,75% \u00e0 4,75%<\/td>3% \u00e0 5%<\/td>Multisupport<\/td>\n<\/tr>\n
Assurance Vie Hello ! (frais \u00e0 0,70%)<\/td>Cardif Assurance Vie<\/td>2,75%<\/td>3%<\/td>Multisupports<\/td>\n<\/tr>\n
Himalia, L'Epargne Generali Platinium - Fonds Euro Innovalia<\/td>Generali Vie<\/td>2,75%<\/td>3%<\/td>Multisupports<\/td>\n<\/tr>\n
Winalto<\/td>MAAF Vie<\/td>2,70% \u00e0 3,10%<\/td>2,80% \u00e0 3,20%<\/td>Multisupports<\/td>\n<\/tr>\n
Contrats GMF<\/td>GMF Vie<\/td>2,70%<\/td>2,80%<\/td>Monosupports et Multisupports<\/td>\n<\/tr>\n
Contrats monosupports MIF<\/td>MIF<\/td>2,65%<\/td>2,55%<\/td>Monosupports <\/td>\n<\/tr>\n
CLER <\/td>AXA<\/td>2,50%<\/td>2,45%<\/td>Multisupport<\/td>\n<\/tr>\n
Contrats Gaipare <\/td>Allianz France<\/td>2,55%<\/td>2,30%<\/td>Monosupports et Multisupports<\/td>\n<\/tr>\n
Afer - fonds garanti<\/td>Abeille Assurance<\/td>2,51%<\/td>2,22%<\/td>Multisupport et monosupport<\/td>\n<\/tr>\n
Digital Vie, Fortuneo Vie, Linxea Avenir, Meilleurtaux Placement Vie, Puissance Avenir, Yomoni Vie -
\nfonds Suravenir Opportunit\u00e9s et Suravenir Opportunit\u00e9s 2<\/td>		Suravenir <\/td>2,50% \u00e0 4%<\/td>2,50%<\/td>Multisupports<\/td>\n<\/tr>\n
Multisupport et Multisupport 3<\/td>Ar\u00e9as Vie<\/td>2,50% \u00e0 3,40%<\/td>2,50% \u00e0 3,40%<\/td>Multisupports<\/td>\n<\/tr>\n
Plan Assurance vie Privil\u00e8ge (Cr\u00e9dit Mutuel)<\/td>ACM<\/td><\/td>2,75% \u00e0 3,25%<\/td>Multisupports<\/td>\n<\/tr>\n
Epargne vie Milleis, Barclays Prestige <\/td>Milleis Vie<\/td><\/td>2,75%<\/td>Multisupports<\/td>\n<\/tr>\n
Plan Assurance vie (Cr\u00e9dit Mutuel)<\/td>ACM<\/td><\/td>2,60% \u00e0 3,10%<\/td>Multisupports<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div>\n

<\/span>Meilleurs taux de rendement 2023<\/span><\/h3>\n
\n\n\n\n\n\t\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Nom(s) assurance vie<\/th>Assureur<\/th>Taux 2023<\/th>Taux 2022<\/th>Type<\/th>\n<\/tr>\n<\/thead>\n
Sources : assureurs, distributeurs (* Corum, Placement-direct Euro+, AMPLI : taux annualis\u00e9)<\/th>\n<\/tr>\n<\/tfoot>\n
Corum Life *<\/td>Corum Life<\/td>4,45%<\/td><\/td>Multisupports<\/td>\n<\/tr>\n
Placement-direct Euro+ *<\/td>SwissLife<\/td>4,10%<\/td>-<\/td>Monosupport<\/td>\n<\/tr>\n
AMPLI-Assurance vie *<\/td>AMPLI Mutuelle<\/td>3,75%<\/td>-<\/td>Monosupport<\/td>\n<\/tr>\n
Gamme Act\u00e9pargne2, Livret Jeun\u2019Avenir, Livret RM<\/td>La France Mutualiste<\/td>3,70%<\/td>2,11% ou 2,31%<\/td>Multisupports<\/td>\n<\/tr>\n
Plan B (Mon Petit Placement) <\/td>La France Mutualiste<\/td>3,70%<\/td>-<\/td>Monosupport<\/td>\n<\/tr>\n
Passerelle<\/td>La France Mutualiste<\/td>3,70%<\/td>2,11%<\/td>Multisupports<\/td>\n<\/tr>\n
Carac Profil\u00e9o<\/td>Carac<\/td>3,60%<\/td>2,50%<\/td>Multisupports<\/td>\n<\/tr>\n
Carac Epargne Patrimoine, Carac Epargne G\u00e9n\u00e9ration<\/td>Carac <\/td>3,60%<\/td>2,50%<\/td>Multisupports<\/td>\n<\/tr>\n
Entraid'Epargne Carac<\/td>Carac <\/td>3,60%<\/td>2,30%<\/td>Monosupport<\/td>\n<\/tr>\n
Garance Epargne<\/td>Garance mutuelle<\/td>3,50%<\/td>2,80%<\/td>Multisupports<\/td>\n<\/tr>\n
S\u00e9curit\u00e9 Infra
\nEuro - Target+
\n<\/td>		Orad\u00e9a Vie<\/td>3,50%<\/td>2,50%<\/td>Multisupports<\/td>\n<\/tr>\n
S\u00e9curit\u00e9 Target
\nEuro - Target+
\n<\/td>		Orad\u00e9a Vie<\/td>3,38%<\/td>0%<\/td>Multisupports<\/td>\n<\/tr>\n
Arborescence
\nOpportunit\u00e9s 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>		Spirica<\/td>3,13%<\/td>2,30%<\/td>Multisupports<\/td>\n<\/tr>\n
Asac Neo Vie - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,13%<\/td>2,30%<\/td>Multisupports<\/td>\n<\/tr>\n
Epargne Evolution 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,13%<\/td>2,30%<\/td>Multisupports<\/td>\n<\/tr>\n
Linxea Spirit 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,13%<\/td>2,30%<\/td>Multisupports<\/td>\n<\/tr>\n
meilleurtaux
\nLibert\u00e9 Vie - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>		Spirica<\/td>3,13%<\/td>2,30%<\/td>Multisupports<\/td>\n<\/tr>\n
Netlife 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>3,13%<\/td>2,30%<\/td>Multisupports<\/td>\n<\/tr>\n
Fonds Euro classique - Target+
\n<\/td>		Orad\u00e9a Vie<\/td>3,10% \u00e0 5,10%<\/td>1,90%<\/td>Multisupports<\/td>\n<\/tr>\n
BoursoVie (ex-Boursorama Vie) - fonds Euro Exclusif<\/td>Generali<\/td>3,10% \u00e0 4,60%<\/td>2,30%<\/td>Multisupports<\/td>\n<\/tr>\n
RES Multisupport<\/td>MACSF<\/td>3,10% ou 3,15%<\/td>2,50% ou 2,55%<\/td>Multisupports<\/td>\n<\/tr>\n
Contrats Internet - Fonds euros Netissima<\/td>Generali Vie<\/td>3,10% \u00e0 4,12%<\/td>1,53% \u00e0 3,06% <\/td>Multisupports<\/td>\n<\/tr>\n
RES monosupport<\/td>MACSF<\/td>3,10%<\/td>2,50%<\/td>Monosupport<\/td>\n<\/tr>\n
Actiplus Option<\/td>Mutavie (Macif)<\/td>3,10%<\/td>2,20%<\/td>Multisupports<\/td>\n<\/tr>\n
Actiplus<\/td>Mutavie (Macif)<\/td>3,10%<\/td>2,20%<\/td>Monosupport<\/td>\n<\/tr>\n
Assurance Vie Hello ! (frais \u00e0 0,60%)<\/td>Cardif Assurance Vie<\/td>3,10%<\/td>2,10%<\/td>Multisupports<\/td>\n<\/tr>\n
Carnet Multi \u00c9pargne<\/td>Monceau Assurances<\/td>3,10%<\/td>1,75%<\/td>Multisupport<\/td>\n<\/tr>\n
Contrats multisupports MIF<\/td>MIF<\/td>3,05%<\/td>2,20%<\/td>Multisupports<\/td>\n<\/tr>\n
BNP Paribas Multiplacements 2<\/td>Cardif Assurance Vie<\/td>3% \u00e0 5%<\/td>2% \u00e0 2,95%<\/td>Multisupport<\/td>\n<\/tr>\n
Cardif Elite<\/td>Cardif Assurance Vie<\/td>3% \u00e0 5%<\/td>2% \u00e0 2,95%<\/td>Multisupport<\/td>\n<\/tr>\n
Matmut Vie Epargne<\/td>Matmut Vie<\/td>3%<\/td>2,50%<\/td>Monosupport<\/td>\n<\/tr>\n
Assurance Vie Hello ! (frais \u00e0 0,70%)<\/td>Cardif Assurance Vie<\/td>3%<\/td>2%<\/td>Multisupports<\/td>\n<\/tr>\n
Himalia, L'Epargne Generali Platinium - Fonds Euro Innovalia<\/td>Generali Vie<\/td>3%<\/td>2%<\/td>Multisupports<\/td>\n<\/tr>\n
Ana\u00e9<\/td>Predica<\/td>2,95% \u00e0 3,75%<\/td>2,45% \u00e0 3,25%<\/td>Multisupports<\/td>\n<\/tr>\n
LCL Acuity Evolution<\/td>Predica<\/td>2,95% \u00e0 3,75%<\/td>2,45% \u00e0 3,25%<\/td>Multisupports<\/td>\n<\/tr>\n
Notavie Premium<\/td>Unofi<\/td>2,91% \u00e0 3,30%<\/td>2,16% \u00e0 2,55%<\/td>Multisupports<\/td>\n<\/tr>\n
Dynavie<\/td>Monceau Assurances<\/td>2,90%<\/td>1,75%<\/td>Multisupport<\/td>\n<\/tr>\n
Floriane 2<\/td>Predica<\/td>2,80% \u00e0 3,60%<\/td>2,30% \u00e0 3,10%<\/td>Multisupports<\/td>\n<\/tr>\n
LCL Vie<\/td>Predica<\/td>2,80% \u00e0 3,60%<\/td>2,30% \u00e0 3,10%<\/td>Multisupports<\/td>\n<\/tr>\n
Winalto<\/td>MAAF Vie<\/td>2,80% \u00e0 3,20%<\/td>2,05%<\/td>Multisupports<\/td>\n<\/tr>\n
Contrats GMF<\/td>GMF Vie<\/td>2,80%<\/td>2,05%<\/td>Monosupports et Multisupports<\/td>\n<\/tr>\n
Plan Assurance vie Privil\u00e8ge (Cr\u00e9dit Mutuel)<\/td>ACM<\/td>2,75% \u00e0 3,25%<\/td>2,25% \u00e0 2,75%<\/td>Multisupports<\/td>\n<\/tr>\n
Epargne vie Milleis, Barclays Prestige <\/td>Milleis Vie<\/td>2,75%<\/td>2,15%<\/td>Multisupports<\/td>\n<\/tr>\n
Plan Assurance vie (Cr\u00e9dit Mutuel)<\/td>ACM<\/td>2,60% \u00e0 3,10%<\/td>2,10% \u00e0 2,60%<\/td>Multisupports<\/td>\n<\/tr>\n
Himalia - fonds euros AGGV<\/td>Generali Vie<\/td>2,60% \u00e0 4%<\/td>1,45% \u00e0 2,90%<\/td>Multisupport<\/td>\n<\/tr>\n
Digital Vie, Fortuneo Vie, Linxea Avenir, Meilleurtaux Placement Vie, Puissance Avenir, Yomoni Vie -
\nfonds Suravenir Opportunit\u00e9s et Suravenir Opportunit\u00e9s 2<\/td>		Suravenir <\/td>2,50%<\/td>2,10%<\/td>Multisupports<\/td>\n<\/tr>\n
Divers contrats - fonds Euro Allocation Long Terme2<\/td>Spirica<\/td><\/td>2,10%<\/td>Multisupports<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div>\n

<\/span>Meilleurs taux de rendement 2022<\/span><\/h3>\n
\n\n\n\n\n\t\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Nom(s) assurance vie<\/th>Assureur<\/th>Taux 2022<\/th>Taux 2021<\/th>Type<\/th>\n<\/tr>\n<\/thead>\n
Sources : assureurs, distributeurs<\/th>\n<\/tr>\n<\/tfoot>\n
Garance Epargne<\/td>Garance mutuelle<\/td>2,80%<\/td>2,75%<\/td>Multisupports<\/td>\n<\/tr>\n
RES Multisupport<\/td>MACSF<\/td>2,50% ou 2,55%<\/td>2,10% ou 2,15%<\/td>Multisupports<\/td>\n<\/tr>\n
RES monosupport<\/td>MACSF<\/td>2,50%<\/td>2,10%<\/td>Monosupport<\/td>\n<\/tr>\n
S\u00e9curit\u00e9 Infra
\nEuro - Target+
\n<\/td>		Orad\u00e9a Vie<\/td>2,50%<\/td>2,10%<\/td>Multisupports<\/td>\n<\/tr>\n
Carac Profil\u00e9o<\/td>Carac<\/td>2,50%<\/td>1,40%<\/td>Multisupports<\/td>\n<\/tr>\n
Carac Epargne Patrimoine, Carac Epargne G\u00e9n\u00e9ration<\/td>Carac <\/td>2,50%<\/td>1,20%<\/td>Multisupports<\/td>\n<\/tr>\n
Ana\u00e9<\/td>Predica<\/td>2,45% \u00e0 3,25%<\/td>1,20% \u00e0 2%<\/td>Multisupports<\/td>\n<\/tr>\n
LCL Acuity Evolution<\/td>Predica<\/td>2,45% \u00e0 3,25%<\/td>1,20% \u00e0 2%<\/td>Multisupports<\/td>\n<\/tr>\n
Floriane 2<\/td>Predica<\/td>2,30% \u00e0 3,10%<\/td>1,05% \u00e0 1,85%<\/td>Multisupports<\/td>\n<\/tr>\n
LCL Vie<\/td>Predica<\/td>2,30% \u00e0 3,10%<\/td>1,05% \u00e0 1,85%<\/td>Multisupports<\/td>\n<\/tr>\n
S\u00e9r\u00e9nipierre - fonds S\u00e9curit\u00e9 Pierre Euro<\/td>Suravenir<\/td>2,30%<\/td>2,50%<\/td>Multisupports<\/td>\n<\/tr>\n
Asac Neo Vie - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>2,30%<\/td>-<\/td>Multisupports<\/td>\n<\/tr>\n
Arborescence
\nOpportunit\u00e9s 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>		Spirica<\/td>2,30%<\/td>1,65%<\/td>Multisupports<\/td>\n<\/tr>\n
Epargne Evolution 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>2,30%<\/td>1,65%<\/td>Multisupports<\/td>\n<\/tr>\n
Linxea Spirit 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>2,30%<\/td>1,65%<\/td>Multisupports<\/td>\n<\/tr>\n
meilleurtaux
\nLibert\u00e9 Vie - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>		Spirica<\/td>2,30%<\/td>1,65%<\/td>Multisupports<\/td>\n<\/tr>\n
Netlife 2 - Fonds Euro Nouvelle G\u00e9n\u00e9ration<\/td>Spirica<\/td>2,30%<\/td>1,65%<\/td>Multisupports<\/td>\n<\/tr>\n
Boursorama Vie - fonds Euro Exclusif<\/td>Generali<\/td>2,30%<\/td>1,35%<\/td>Multisupports<\/td>\n<\/tr>\n
Entraid'Epargne Carac<\/td>Carac <\/td>2,30%<\/td>1,30%<\/td>Monosupport<\/td>\n<\/tr>\n
Plan Assurance vie Privil\u00e8ge (Cr\u00e9dit Mutuel)<\/td>ACM<\/td>2,25% \u00e0 2,75%<\/td><\/td>Multisupports<\/td>\n<\/tr>\n
Gaipare S\u00e9lection, Gaipare II, Gaipare Selectissimo, Gaipare Fidelissimo, Livret Gaipare<\/td>Allianz Vie<\/td>2,20%<\/td>1,80%<\/td>Monosupports et Multisupports<\/td>\n<\/tr>\n
Actiplus Option<\/td>Mutavie (Macif)<\/td>2,20%<\/td>1,75%<\/td>Multisupports<\/td>\n<\/tr>\n
Tous les contrats MIF<\/td>MIF<\/td>2,20%<\/td>1,70%<\/td>Monosupports et Multisupports<\/td>\n<\/tr>\n
Actiplus<\/td>Mutavie (Macif)<\/td>2,20%<\/td>1,60%<\/td>Monosupport<\/td>\n<\/tr>\n
Notavie Premium<\/td>Unofi<\/td>2,16% \u00e0 2,55%<\/td>1,46% \u00e0 1,85%<\/td>Multisupports<\/td>\n<\/tr>\n
Epargne vie Milleis, Barclays Prestige <\/td>Milleis Vie<\/td>2,15%<\/td>0,95%<\/td>Multisupports<\/td>\n<\/tr>\n
Gamme Act\u00e9pargne2, Livret Jeun\u2019Avenir, Livret RM<\/td>La France Mutualiste<\/td>2,11% ou 2,31%<\/td>1,31% ou 1,51%<\/td>Multisupports<\/td>\n<\/tr>\n
Passerelle<\/td>La France Mutualiste<\/td>2,11%<\/td>1,51%<\/td>Multisupports<\/td>\n<\/tr>\n
Plan Assurance vie (Cr\u00e9dit Mutuel)<\/td>ACM<\/td>2,10% \u00e0 2,60%<\/td>1,10% \u00e0 1,60%<\/td>Multisupports<\/td>\n<\/tr>\n
Divers contrats - fonds Euro Allocation Long Terme2<\/td>Spirica<\/td>2,10%<\/td>1,90%<\/td>Multisupports<\/td>\n<\/tr>\n
Assurance vie Responsable et Solidaire<\/td>MAIF Vie<\/td>2,10%<\/td>1,30%<\/td>Multisupports<\/td>\n<\/tr>\n
Digital Vie, Fortuneo Vie, Linxea Avenir, Meilleurtaux Placement Vie, Puissance Avenir, Yomoni Vie -
\nfonds Suravenir Opportunit\u00e9s et Suravenir Opportunit\u00e9s 2<\/td>		Suravenir <\/td>2,10%<\/td>1,80%<\/td>Multisupports<\/td>\n<\/tr>\n
Assurance Vie Hello !<\/td>Cardif Assurance Vie<\/td>2,10%<\/td>1,10%<\/td>Multisupports<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div>\n

<\/span>Meilleurs taux de rendement 2021<\/span><\/h3>\n
    \n
  1. Actif g\u00e9n\u00e9ral Garance (Garance mutuelle) : contrat Garance Epargne, taux 2021 : 2,75%<\/strong><\/li>\n
  2. S\u00e9curit\u00e9 Pierre Euro (assureur : Suravenir, distributeur : Primonial) : contrat S\u00e9r\u00e9nipierre, taux 2021 : 2,50%<\/strong><\/li>\n
  3. Fonds Euro du contrat contrat Allianz Vie Fid\u00e9lit\u00e9 – AVF (assureur Allianz France), taux 2021 : 2,43% en moyenne<\/strong><\/li>\n
  4. S\u00e9curit\u00e9 Target Euro (assureur : Orad\u00e9a Vie \u2013 Sog\u00e9cap, distributeur : Primonial) : contrat Target +, taux 2021 : 2,35%<\/li>\n
  5. Carnet Multi Epargne (Capma & Capmi – Monceau Assurances), taux 2021 : 2,15%<\/li>\n
  6. Fonds en euros RES (assureur : MACSF) : RES, RES Multisupport, taux 2021 : 2,10% (avec frais de gestion \u00e0 0,50%)<\/li>\n
  7. S\u00e9curit\u00e9 Infra Euro (assureur : Orad\u00e9a Vie \u2013 Sog\u00e9cap, distributeurs : Primonial, Patrimea) :\u00a0 contrats Target +, Patrimea Premium, taux 2021 : 2,10%<\/li>\n
  8. Dynavie (assureur : Capma & Capmi – Monceau Assurances), taux 2021 : 1,90%<\/li>\n
  9. Gaipare (assureur : Allianz France) : Gaipare S\u00e9lection, Gaipare II, Gaipare Selectissimo, Gaipare Fidelissimo, taux 2021 : 1,80%<\/li>\n
  10. Asac-Fap\u00e8s (assureur : Allianz) : actif cantonn\u00e9 Asac, taux 2021 : 1,80%<\/li>\n
  11. Carnet d’Epargne (Capma & Capmi – Monceau Assurances), taux 2021 : 1,80%<\/li>\n
  12. Suravenir Opportunit\u00e9s (Suravenir) : Fortuneo Vie, LinXea Avenir, Meilleurtaux Placement Vie, Puissance Avenir, etc. : taux 2021, 1,80%<\/li>\n
  13. Support en euros Mutavie (Macif) : contrat Actiplus Option, taux 2021 : 1,75%<\/li>\n
  14. Fonds euro MIF (assureur : MIF) : tous les contrats MIF, Ampli-Grain Multisupport, taux 2021 : 1,70%<\/li>\n
  15. Fonds garanti Afer<\/a> (assureur : Abeille\/Aviva) : Afer multisupport, taux 2021 : 1,70%<\/li>\n
  16. Plan Eparmil (AGPM) : taux 2021, 1,70%<\/li>\n
  17. Fonds Euro Nouvelle G\u00e9n\u00e9ration (Spirica) : meilleurtaux Libert\u00e9 Vie, Linxea Spirit 2, taux 2021 : 1,65%<\/li>\n
  18. Support en euros Mutavie (Macif) : contrat Actiplus, taux 2021 : 1,60%<\/li>\n
  19. Fonds en euros La France Mutualiste du contrat Passerelle, taux 2021 : 1,51%<\/li>\n
  20. Support R\u00e9gulier – Fonds euros GMF (assureur : GMF Vie) : contrat Multeo, taux 2021 : 1,50%<\/li>\n
  21. Fonds euros MAAF (assureur : MAAF Vie) : contrat Winalto, taux 2021 : 1,50%<\/li>\n
  22. Fonds euros de Batiretraite Multicompte, Batiretraite 2 (assureur : SMAvie) : taux 2021, 1,50%<\/li>\n
  23. Fonds Euro Innovalia (assureur : Generali France) : contrats Himalia, Xa\u00e9lidia, Generali Platinium Signature, taux 2021 : 1,50%<\/li>\n
  24. Support en euros Carac (assureur : Carac) : contrat Profil\u00e9o, taux 2021 : 1,40%<\/li>\n
  25. Fonds en euros La France Mutualiste : Act\u00e9pargne2, Act\u00e9pargne2 Jeunes, Act\u00e9pargne2 Seniors, Act\u00e9pargne2 Prot\u00e9g\u00e9s, Livret Jeun\u2019Avenir, et Livret RM taux 2021 : 1,31% ou 1,51%
    \nFonds euros Aviva Actif Garanti (assureur Aviva) : contrat Evolution Vie d’Assurancevie.com : taux 2021, 1,31% hors bonus (jusqu’\u00e0 2,62% avec Aviva Multi Bonus 2021)<\/li>\n<\/ol>\n

    La liste ci-dessus n’est pas exhaustive ; tous les assureurs ne communiquent pas imm\u00e9diatement, il faut souvent attendre plus tard dans l’ann\u00e9e pour conna\u00eetre tous les chiffres.<\/p>\n

    M\u00e9thodologie :<\/strong> ce classement est bas\u00e9 sur des taux de rendement servis aux assur\u00e9s au titre des cinq derni\u00e8res ann\u00e9es (2025, 2024, 2023, 2022 et 2021), nets de frais de gestion<\/a><\/strong>, avant pr\u00e9l\u00e8vements sociaux. Il ne tient pas compte des \u00e9ventuels frais sur versements ni des contraintes d’investissement en unit\u00e9s de compte (UC, supports non garantis) impos\u00e9es sur de plus en plus de contrats. Les fonds en euros dont le taux est diff\u00e9renci\u00e9 selon l’encours et\/ou la quote-part en UC ne sont pas repris dans ce classement, si le taux de base (le plus bas) ne figure pas parmi les meilleurs du march\u00e9.<\/p>\n

    <\/span><\/a>Taux de rendement moyen des fonds euros<\/span><\/h2>\n

    Les taux de revalorisation des fonds en euros calcul\u00e9s par l’ACPR, dont l’\u00e9chantillon n’analyse n’est pas le m\u00eame que les acteurs mentionn\u00e9s ci-dessous (uniquement les contrats individuels), ont atteint en moyenne :<\/p>\n