The Federal selection balance profile gave 6

In 2010, the performance of profiled funds and management under mandate proposed by life insurance contracts are by 5 to 10 points from their 2009 levels, following downward variation of most financial markets.

In General, there is the more cautious profiles are about the same level as yields 2010 of the funds in euros, while dynamic profiles present a wide variety of performance. Unable to classify their results so great is diversity. Thus, the Federal selection Prudent profile, used in contracts Suravenir Office (for example, contract forecast-Options), served as a net rate (management deducted fees) 3.19. The Federal selection balance profile gave 6.39. As profiles more invested in shares they serve, respectively, 11.30 for Federal selection tonic and 13,32 for Federal selection dynamic.

Other examples: Allianz caution, profile invested mainly in currency markets (at 79) and bond futures (21) finished the year 2010 to 0.37. Allianz Multi serenity, focusing on the obligations of enterprises and international actions (these last 21), is progressing by 5. Only profiles with more than 50 of shares are able to exceed the 8 mark. Thus, Allianz Multi balance invested 52 international equity reaches 7.9, Allianz Multi dynamism and Allianz Multi opportunity, the first invested in height by 77 in international actions, the latter invested 86 international equity win both 11,60 on the year 2010.

Pro construction Announces performance annual 4.54 for profile SAS balanced fund, a fund diversified dominant bond, a performance annual 6,33 for SAS dynamic Fund profile, a fund balance to dominant shares.

In Legal and General, profiles of Concordances contract management revolve around 0. Profile caution (10 in fund shares) and 90 of EUR served a 2.71 2010 performance profile balance (40 in fund shares) and 60 of EUR 0.41 yield and profile dynamism (90 of fund shares) and 10 of EUR is negative. He loses 3.45 on the year.

This diversity of performance is due to the choices areas and especially the geographical areas. Indeed, the profiles and warrants having bet on the French market or European stock exchange gave catastrophic performance while the profiles and invested in funds us, emerging or international mandates have benefited from these markets.

The profiles performance depends on the cursor. The Manager of the Fund the t-shoot - it more towards the rates and bonds or shares It chooses actions French, European, American or international "The stock of the year 2010, much more favourable to the international assets than Europeans, context naturally dug yield spreads in most diverse strategies", notes EuroPerformance.

Profiles are generally a Fund of funds that use 10-15 mutual funds and mutual funds and arbitrate according to needs one to four times a year a part or all of their positions. In Nortia, profiles performance descending of 7.76 (profile defence alternative) to 16,52 (Flexible international profile). Here are the details:

For its part, site Altaprofits has entrusted the management-led his life to Lazard brothers management and DWS Deutsche Bank insurance contracts. Lazard Frères offers new levels of risk: the more prudent (risk 1) conducted in 2010 more than correct route: 7.81 then the risk 6 posted 14,37 and 9 risk reflected in 16,96 performance. Management driven by DWS Investment Deutsche Bank for Altaprofits, the results are the following:

The performance of profiled funds and life insurance contracts management mandates must be compared with those of the funds in euros and media in units of account of contracts. Of course, the risk profiles and the mandates of management - also careful they - is higher than that of a Fund in euros, but performance is more important. Most managed profiles and management mandates are funds of funds in which the share of the fund shares and the share of the obligations Fund is highly variable.

By way of comparison, note that the French Federation of insurers (FFSA) estimates that the average yield of euro media in 2010 could lie between 3.2 and 3.4. Concerning media in units of account (CPU), the FFSA indicates that they are "more sensitive to developments in stock prices, their performance is negative in the year 2010." "Their performance is of-1.1, but it is still better than that of the CAC 40 (3.3) index". 2010 Profiles and managed warrants performance extends, however, on a much wider range, and at least close to 0 (sometimes negative) maximum up to 15 to 20 for the best.