CNP Assurances announces the returns of its main traditional savings and pensions French funds with performance that may exceed 5%1 depending on the unit-linked (UL) weighting.
CNP Assurances provides long-term support to nearly 7 million savings and pensions customers in France with a multi-partner distribution model. As a responsible insurer and investor, the Group offers a full range of high-performance and innovative products and contributes €27 billion to the financing of green investments in France.
In 2025, CNP Assurances introduced two bonus mechanisms to improve the policyholder participation of traditional funds based on the proportion of savings invested in unit-linked. This bonuses reached:
- up to 1.02% on assets under management,
- up to 2.00% on payments, during dedicated commercial campaigns.
The performance of CNP Assurances’ traditional funds illustrates its expertise as an investor and the quality of its management of policyholders' surplus reserve.
In 2026, CNP Assurances is renewing its commercial policy to improve the policyholder participation of traditional funds based on the proportion of savings invested in unit-linked funds.
Below is a summary of the policyholder returns on CNP Assurances' main savings and pensions contracts. All the information will soon be available by clicking here.
1 Gross of social security contributions and net of management fees. In the case of a single payment when the contract is taken out, with a unit-linked rate of more than 50% and during a dedicated deposit bonus Campaign.
Remuneration of the main savings contracts by distribution network
| La Banque Postale | Maximum rate paid (incl. deposit bonus)1 | Revaluation rate net of management fees as a function of the UL rate2 | ||
|---|---|---|---|---|
| > 50% UL | from 30% of UL | 100% traditionnal | ||
| Cachemire 2 Série 2 | 5,22 % | 3,22 % | 2,99 % | 2,30 % |
| Cachemire Patrimoine Série 2 | 5,29 % | 3,29 % | 3,06 % | 2,35 % |
| Caisses d’Epargne | Maximum rate paid (incl. deposit bonus)1 | Revaluation rate net of management fees as a function of the UL rate2 | |||
|---|---|---|---|---|---|
| > 50% of UL | from 40% of UL | from 30% of UL | 100% traditionnal | ||
| Nuances 3D | 4,67 % | 2,87 % | 2,67 % | 2,46 % | 2,05 % |
| Nuances Plus | 4,74 % | 2,94 % | 2,73 % | 2,52 % | 2,10 % |
| Nuances Privilège | 5,02 % | 3,22 % | 2,99 % | 2,76 % | 2,30 % |
| Amétis | Maximum rate paid (incl. deposit bonus)1 | Revaluation rate net of management fees as a function of the UL rate2 | ||
|---|---|---|---|---|
| > 50% of UL | from 30% of UL | 100% traditionnal | ||
| CNP Trésor Projets | 4,76 % | 3,01 % | 2,58 % | 2,15 % |
| CNP Trésor Performance | 5,04 % | 3,29 % | 2,82 % | 2,35 % |
1/ in the case of a single payment when the contract is taken out, with a unit-linked rate of more than 50% and during a dedicated deposit bonus campaign.
2/ excluding bonuses on deposits.
Remuneration of the main pension contracts by distribution network
| La Banque Postale | Maximum rate paid (incl. deposit bonus)1 | Revaluation rate net of management fees as a function of the UL rate2 | ||
|---|---|---|---|---|
| > 50% UL | from 30% of UL | 100% traditionnal | ||
| Cachemire PER | 5,57 % | 3,57 % | 3,32 % | 2,55 % |
| Caisses d’Epargne | Revaluation rate net of management fees as a function of the UL rate2 | |||
|---|---|---|---|---|
| > 50% of UL | from 40% of UL | from 30% of UL | 100% traditionnal | |
| PER CE | 3,57 % | 3,32 % | 3,06 % | 2,55 % |
1/ in the case of a single payment when the contract is taken out, with a unit-linked rate of more than 50% and during a dedicated deposit bonus.
2/ excluding bonuses on deposits.