Like the majority of taxpayers, are you looking for reliable methods to invest your savings? So, be aware that there are several ways to make your money grow so that you can prepare for your retirement, support your family in the event of a hard blow or even build a heritage that you can spare your children. These devices offer varied benefits depending on your future goals.
Among the many solutions you can use to preserve your savings, there is the Livret A. This is a remunerated and tax-free savings account where the funds are available at any time. According to an INSEE survey, the livret A is one of the methods most used by French households who often ask themselves the question, how to invest my money? Its popularity comes from the fact that it is accessible to all people (major or minor). This device works like a regular savings account and pays you 0.75% interest. However, the booklet A has some constraint. Indeed, you can only have one livret A. In addition, the maximum ceiling that you can put in your account is €22,950.
The PEA (stock savings plan) is another solution that you can use to avoid asking yourself the question, how do I invest my money? This system allows you to have shares in several European companies while benefiting from tax exemption. There are three types of PEA, namely the banking PEA, the insurance PEA and the PEA-PME. The first two allow you to invest a maximum amount of €150,000 in the European equity market. The third offers you the possibility of investing in an SME with a threshold of €75,000. The main advantage of the PEA lies in the fact that it gives the chance to have an interesting tax exemption. However, you have to wait 8 years after the opening of the account and the first redemption before being able to take advantage of a total or partial exemption from taxes on recorded gains. For your information, be aware that the bank or the insurer will charge fees for all the transactions that you will carry out with your PEA.
Life insurance is one of the products most used by taxpayers to invest their money. This multifunction device allows you to build a heritage, to have capital and to have a certain amount of money in case of unforeseen events. It yields more profit than savings accounts. And for good reason, this system is one of the least taxed investments in France. Moreover, you can freely choose your investment medium.
You can subscribe to three types of life insurance, namely the unit-linked contract, the multi-support contract and the contract in euros. The latter is the most advantageous, because the capital you have invested is guaranteed after a minimum holding period of 8 years.
Investing in the stock market is another way you can invest your money. This type of product does not fascinate taxpayers, as it presents a number of risks. Indeed, the operations carried out are both restricted and chargeable, which generates a cost from the start of the investment. In addition, the investment may take a long time to be profitable or even generate potential losses. If you have a great knowledge of this field, you have every chance of building a wealth in the stock market.
Real estate is one of the best long-term investments to deposit your money. It offers you the opportunity to get started in new or old rental real estate or even in SCPIs (civil real estate investment companies). This type of product allows you to benefit from an attractive tax regime thanks to the many measures put in place by the State.