2023 comparison: the best PERs in terms of yield

With the gradual decline in interest rate and an uncertain economic context, many households are looking for safe investments allowing them to benefit from attractive returns. Among these, Retirement Savings Plans (PER) constitute an interesting solution for calmly preparing for retirement while maximizing your future income. Discover in this article our comparison of the best PER available on the market in 2023.

Our selection criteria

In order to offer you an objective and realistic ranking, we took several parameters into account when evaluating the different PERs:

• Yields : the rate of return announced by insurers taking into account management fees;
• Fees: payment fees, management fees and any other costs related to the plan;
• Management options: diversity of investment supports and plan management possibilities;
• Security: financial solidity of the insurance companies offering the products;
• Ease of access and flexibility: subscription and termination conditions, flexibility of payments and availability of customer service.

The best PERs in terms of yield

Discover the results of our comparison below, classified in descending order of performance.

PER 1

The PER 1 stands out for its high yields, with an average rate of **% over the last three years. Offered by an insurance company renowned for its financial solidity, this plan allows you to diversify your savings thanks to a wide range of investment vehicles (shares, bonds, real estate, etc.). Management fees are also quite low, which helps to improve the net return received by subscribers.

PER 2

This plan offers slightly lower returns than the first in the ranking, with an average rate of **% over the same period. However, it has several benefits not insignificant: lower costs and great flexibility in terms of payments. In addition, the quality of its customer service is often highlighted by users.

PER 3

The PER 3 offers similar returns to the previous one, but is distinguished by the variety of its investment supports. In fact, subscribers have access to a wide choice of share funds and can opt for managed or free management. However, the management fees are a little higher than those of competitors.

The criteria for choosing the right PER

Now that you have discovered the best products in terms of performance, it is essential to take into account other parameters to make the choice best suited to your situation and your objectives:

• Your priorities: do you prefer to maximize returns or opt for a less risky plan?;
• Your investment horizon: choose a PER whose duration matches your retirement plan;
• Your risk tolerance: some investment vehicles are more volatile than others. Make sure you select a plan that matches your investor profile;
• Options for exiting the plan: find out about the terms of redemption, particularly in the event of an anticipated need;
• The level of fees: these can vary considerably from one product to another and directly impact the net return.

Provisional conclusion

Thus, if returns constitute an important criterion in the choice of a Retirement Savings Plan (PER), it is necessary to also take into account other factors such as fees, the diversity of investment vehicles, the security and flexibility of the plan. Our comparison helps guide you through the best products available on the market in terms of performance, but don’t hesitate to deepen your research and consult experts to find the plan that will best suit you.