The Bank of France has published the second annual report of the Financial Savings Products Observatory, created within the Consultative Committee for the Financial Sector to monitor changes in the performance and fees of financial savings products. The report provides an updated overview of the main products used to invest in financial markets in France, covering life insurance and capitalization contracts, individual retirement savings plans, ordinary securities accounts, and equity savings plans. Together, these products account for EUR 2132 billion in outstanding assets, including EUR 1808 billion in individual insurance products. The report brings together analysis of product characteristics, applicable investment horizons and tax treatment, as well as the performance, volatility and fee levels of underlying investment supports. It also includes data on active and index management. Compared with the first edition, the 2026 report adds more extensive and better structured data, particularly on the fees and performance of insurance-based savings products, with detail by investment support and management mode. It also examines developing and sometimes complex life-insurance supports such as structured products, private equity and real estate funds, and includes a dedicated focus on funds using environmental, social and governance criteria. The observatory does not compare products or provide investment guidance, but is intended to improve transparency and understanding of the French financial savings market.

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