Fonds euro-croissance : conversion des contrats en euros possible, avec 30 jours de délai de carence pour l’épargnant
Il sera possible d’investir sur un fonds euro-croissance au sein de son contrat d’assurance-vie en euros, il sera alors transformé en contrat euro-croissance.
Publié le par , mis à jour le
Créé par la dernière loi de finances, ce nouveau contrat d’assurance vie euro-croissance est censé permettre aux assureurs d’investir davantage dans l’économie.
À mi-chemin entre les fonds en euros et les unités de compte, l’euro-croissance permettra de bénéficier d’une garantie du capital s’il reste investi au moins huit ans. Ce type de fonds pourra être souscrit dans des contrats "multisupports", en offrant la possibilité de panacher des fonds en euros et des unités de compte (voir : Nos conseils pour placer votre argent en 2014).
Les nouveaux contrats bénéficieront, à l’ouverture, du maintien de l’antériorité fiscale pour les primes issues d’anciens contrats, si trois conditions sont remplies :
la transformation doit donner lieu à la conversion d’au moins 10 % des engagements en euros ou devises ;
si, dans les 6 mois qui précèdent cette conversion vers un fonds euro-croissance, un transfert a eu lieu en faveur de droits exprimés en unités de compte ou donnant lieu à la constitution d’une provision de diversification, seuls les engagements en euros ou devises restant peuvent faire l’objet de la conversion ;
la transformation doit avoir lieu avant le 1er janvier 2016.
S’agissant de contrats plus risqués que les contrats en euros, il est précisé que l’assureur informe le souscripteur sur les risques encourus lors de la transformation de son contrat, par le biais d’un avenant. Toutefois, le client pourra revenir, dans un délai de 30 jours, sur sa décision de convertir son assurance vie en euro-croissance, par lettre recommandée avec avis de réception. S’agissait d’un délai calendaire, si le 30è jour expire un samedi, un dimanche ou un jour férié ou chômé, il n’est pas prorogé.
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