Christophe Saghezchi on €50,000 life‑insurance returns over 10 years

A simulation by Capital shows how a €50,000 life‑insurance (assurance vie) investment held for ten years can generate very different outcomes depending on the risk profile chosen. For a prudent investor targeting a 3 % average annual return, the capital would grow to about €67,196, delivering a gain of roughly €17,200. A balanced approach at 4 % would reach €74,012, a gain of €24,000. A dynamic strategy aiming for a 5 % return could end at €81,445, adding about €31,400 in profit.

Christophe Saghezchi, founder of Kai Patrimoine and member of Adunéa, explains that “placing €50,000 without touching it for 10 years can generate between €17,000 and €31,000 of additional gains, depending on the level of risk accepted.” He adds that the mechanism relies on compound interest, where each year’s earnings are reinvested to produce further returns.