{"id":47528,"date":"2020-05-26T08:58:43","date_gmt":"2020-05-26T06:58:43","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/placements\/?p=47528"},"modified":"2025-07-08T17:52:46","modified_gmt":"2025-07-08T15:52:46","slug":"placement-en-assurance-vie-gerer-son-contrat-pendant-la-crise-du-covid-19","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/placements\/placement-en-assurance-vie-gerer-son-contrat-pendant-la-crise-du-covid-19.html","title":{"rendered":"Placement en assurance vie : g\u00e9rer son contrat pendant la crise du Covid-19"},"content":{"rendered":"<p><strong>La solidit\u00e9 des compagnies d\u2019assurance vie est-elle en jeu\u00a0? De quelles garanties b\u00e9n\u00e9ficie-t-on\u00a0?<\/strong><\/p>\n<p><strong>Stellane Cohen, directrice g\u00e9n\u00e9rale d\u2019Altaprofits\u00a0:<\/strong> Les assureurs sont plus aptes \u00e0 absorber cette grave crise qu\u2019ils pouvaient l\u2019\u00eatre il y a 12 ans apr\u00e8s la faillite de Lehman Brothers et la crise financi\u00e8re de 2008. Tous ont renforc\u00e9 leur structure financi\u00e8re. Dans le cadre d\u2019un placement sur un fonds en euros, la compagnie assure la garantie du capital\u00a0: en cas de rachat, le titulaire du contrat est s\u00fbr de r\u00e9cup\u00e9rer au minimum la somme investie apr\u00e8s d\u00e9duction des frais de gestion annuels. Pour tenir cet engagement, le r\u00e9gulateur de l\u2019assurance a contraint les compagnies \u00e0 constituer des r\u00e9serves et \u00e0 disposer d\u2019un montant minimal de fonds propres appel\u00e9 marge de solvabilit\u00e9 ou ratio de solvabilit\u00e9. Cette marge de solvabilit\u00e9 est aujourd\u2019hui nettement sup\u00e9rieure \u00e0 ce qu\u2019elle \u00e9tait en 2007.<\/p>\n<p><strong>La garantie Fonds de garantie des assurances de personnes (FGAP) peut-elle se d\u00e9clencher ?<\/strong><\/p>\n<p>Un m\u00e9canisme d\u2019indemnisation existe, dans la limite de 70.000 euros par assur\u00e9, en cas de faillite d\u2019un assureur. Mais la situation ne n\u00e9cessite pas de l\u2019actionner,\u00a0; il ne l\u2019a d\u2019ailleurs jamais \u00e9t\u00e9 depuis sa cr\u00e9ation en 1999.<\/p>\n<p><strong>Quel impact de la crise sur le rendement des fonds en euros\u00a0?<\/strong><\/p>\n<p>Les fluctuations sur les march\u00e9s actions auront des r\u00e9percussions marginales, la part des actions dans les portefeuilles des assureurs s\u2019\u00e9tant largement r\u00e9duite depuis la crise de 2008. Il est trop t\u00f4t pour savoir si les compagnies vont constater ou non des provisions pour d\u00e9pr\u00e9ciations. En revanche, dans un contexte de taux durablement bas, les rendements sur les fonds en euros sont appel\u00e9s \u00e0 rester faibles. C\u2019est la raison pour laquelle il est n\u00e9cessaire de s\u2019int\u00e9resser \u00e0 des v\u00e9hicules alternatifs en tenant compte du couple rendement \/ risque que l\u2019assur\u00e9 est pr\u00eat \u00e0 prendre en connaissance de cause.<\/p>\n<p><strong>Faut-il proc\u00e9der \u00e0 un arbitrage vers des supports s\u00e9curitaires comme le fonds en euros\u00a0?<\/strong><\/p>\n<p>S\u00e9curiser ses avoirs par peur lorsque les march\u00e9s sont secou\u00e9s serait une d\u00e9cision prise sous le coup de l\u2019affolement. L\u2019\u00e9motion n\u2019est pas bonne conseill\u00e8re. En cas d\u2019arbitrage de fonds actions vers le fonds en euros, on acte ses moins-values en s\u2019interdisant toute perspective de r\u00e9cup\u00e9ration en cas de rebond. Comme le dit l\u2019adage, tant que l\u2019on n\u2019a pas vendu, on n\u2019a pas perdu. La seule inconnue est le temps qu\u2019il faudra pour retrouver les niveaux d\u2019avant-crise.<\/p>\n<p>Il faut aussi mettre la situation en perspective\u00a0: tous les fonds n\u2019ont pas perdu 30%, ce qui d\u00e9montre l\u2019importance de la diversification et du choix de supports en unit\u00e9s de compte propos\u00e9 dans un <a href=\"https:\/\/www.toutsurmesfinances.com\/placements\/assurance-vie-fonctionnement-et-explications.html\">contrat d&rsquo;assurance vie<\/a>.<\/p>\n<p><strong>Inversement, faut-il revenir sur les march\u00e9s actions\u00a0et comment ?<\/strong><\/p>\n<p>Personne ne peut pr\u00e9dire \u00e0 quel moment les cours atteignent leur point bas. La meilleure fa\u00e7on d\u2019entrer sur les march\u00e9s est d\u2019y aller progressivement au travers de versements programm\u00e9s. Cela permet de lisser les points d\u2019entr\u00e9e dans le temps et d\u2019att\u00e9nuer les mouvements de march\u00e9.<\/p>\n<p>Quand on ne dispose pas du temps ou des connaissances pour suivre les march\u00e9s, la gestion sous mandat ou pilot\u00e9e constitue une alternative int\u00e9ressante.<\/p>\n<p><strong>Doit-on racheter\u00a0son contrat en totalit\u00e9 ?<\/strong><\/p>\n<p>Racheter son contrat serait la pire des choses. Les march\u00e9s sont extr\u00eamement volatiles depuis la fin du mois de f\u00e9vrier 2020, dans des amplitudes de mouvement tr\u00e8s importantes. En cas de rachat, la probabilit\u00e9 de prendre une mauvaise d\u00e9cision en p\u00e9riode de stress sur les march\u00e9s est tr\u00e8s forte puisque la vente des supports que l\u2019on a en portefeuille s\u2019effectue \u00e0 cours inconnu. La r\u00e9activit\u00e9 d\u2019un contrat d\u2019assurance vie, m\u00eame performant, n\u2019est pas celle d\u2019un <a href=\"https:\/\/www.toutsurmesfinances.com\/bourse\/a\/le-pea\">PEA (plan d&rsquo;\u00e9pargne en actions)<\/a> ou d\u2019un compte-titres.<\/p>\n<p>Il faut aussi avoir \u00e0 l\u2019esprit que l\u2019assurance vie est une enveloppe d\u2019\u00e9pargne de long terme. Investir progressivement sur longue p\u00e9riode en ayant ouvert son contrat le plus t\u00f4t possible permet de faire baisser la pression que les march\u00e9s peuvent exercer sur la valeur d\u2019un contrat en p\u00e9riode de baisse.<\/p>\n<p>En cas de besoin de liquidit\u00e9s pour faire face aux d\u00e9penses de tous les jours, lorsqu\u2019on a perdu tout ou partie de sa source de revenus, il faut faire une demande de rachat partiel, en piochant uniquement dans la poche du contrat investie sur le fonds en euros. Dans le cas contraire, on prend le risque d\u2019acter une moins-value. Cette vocation de tirelire est au c\u0153ur du fonctionnement de l\u2019assurance vie, qui est aussi faite pour cela.<\/p>\n<p style=\"text-align: right\"><em>Propos recueillis par Olivier Brunet<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Que faire de son contrat d\u2019assurance vie pendant la crise du nouveau Coronavirus ? Faut-il proc\u00e9der \u00e0 des arbitrages pour r\u00e9orienter son portefeuille ? Comment r\u00e9agir ? Quelles supports privil\u00e9gier ? Les r\u00e9ponses de Stellane Cohen, directrice g\u00e9n\u00e9rale d\u2019Altaprofits.<\/p>\n","protected":false},"author":13709,"featured_media":55074,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-47528","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-vie"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assurance vie et coronavirus : conseils et avis d\u2019expert<\/title>\n<meta name=\"description\" content=\"Que faire de son contrat d\u2019assurance vie pendant la crise du nouveau Coronavirus ? Faut-il proc\u00e9der \u00e0 des arbitrages pour r\u00e9orienter son portefeuille ? Comment r\u00e9agir ? Quelles supports privil\u00e9gier ? 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