In short:
- A bonus rate adds a few tenths of a point to the euro fund’s rate, under conditions.
- The most common condition is a minimum share of the deposit in unit-linked funds.
- The bonus is almost always limited in time.
- It should not make you forget fees and contract quality over time.
How a bonus works
The insurer promises a higher rate on the euro fund portion if the saver also invests in riskier assets. For the insurer, it is a way to steer savings towards unit-linked funds.
Conditions to spot
| Condition | What it means |
|---|---|
| Minimum share in unit-linked funds | Part of the capital is not guaranteed |
| Bonus duration | Often only one or two years |
| Deposit amount or period | The bonus only applies to certain deposits |
| Keeping the allocation | A switch can cancel the bonus |
How to compare
Compare the total rate over several years, not just the bonus year. The euro fund’s base rate, paid once the bonus ends, remains the figure that matters most.