Inheritance, donation, exceptional compensation … Which investments to choose when you receive 10,000, 50,000 or 100,000 euros? The answer depends on the profile of the investor. Here are some investment leads.
Place up to 15,000 euros
The first step for those who do not have savings is to build a reserve from which to draw in case of a hard blow. A reserve that specialists call precautionary savings. Admittedly, the yields offered by the regulated booklets (1.25% for the sustainable development booklet) are not dreaming, but they are free investments and completely exempt from taxes. With the booklet A and the LDD, a couple with two children can keep their savings available and safely place up to 22,950 euros (ceiling of the livret A) x 4 +12,000 euros (ceiling of the LDD) x 2 = 115,800 euros.
Another totally safe (but less liquid) solution is the housing savings plan. It is certainly much less attractive than a few years ago, but it still has an interest for those who have a real estate project (and who consider that the rates will rise) or who are considering giving up their rights to a loan to a child. The remuneration is 2.5% gross (subject every year to 15.5% of social security contributions, or 2.11% net), before the “state premium”. The latter, equivalent to 40% of accumulated loan entitlements, is granted only if the ELP is actually used to make a loan. Side constraints, the money must remain blocked at least four years and the saver must deposit at least 540 euros per year.
Beware however the “super-booklets” banks. If the promotional rate of departure is often attractive, it falls after a few months to extremely low levels. One possibility is to juggle the various promotions, but the imposition of interest and the loss of “fortnight” related to transfers from one bank to another, often makes these booklets quite disappointing.
Place between 15.000 and 50.000 euros
Given the low pay levels, some professionals are rapidly referring their clients to life insurance policies in euros. The capital is then guaranteed and the investor can expect a remuneration of at least 2.5 to 3%. “For someone who does not have a lot of savings we recommend life insurance which offers flexibility between UC [units of account, note] and the contract in euros whose performance remains higher than the regulated booklets”, comments Jean-Philippe Taslé d’Héliand, Chairman of Oddo Banque Privée. For everyone to make their calculation taking into account possible entry fees on the life insurance contract and not forgetting that interest is taxed in case of withdrawal.
The tightening of taxation on wealth makes “envelopes” like PEA even more essential than before. An investor willing to take a little risk in the hope of getting better pay can opt for a multi-asset life insurance policy. It thus divides the risk between the “units of account” (media invested in shares, real estate, etc.) and the sums placed on a fund in euros. “Our advice to a couple in their 40s, who can easily repay the credit of their principal residence but have little financial savings, would be to pay the amount received in a life insurance policy distributed for half in bonds and a half in shares. A way for them to start preparing the financial part of their retirement, “says Patrick Ganansia, president of the firm Herez.
For a young 25-30 year old, the advice is different. “It has less capital but it can build up savings with program payments by combining a prudent life insurance and a PEA in shares. In order to build a wealth, we would recommend using the credit to buy shares of SCPI in trading walls, to select with the utmost care, “says Patrick Ganansia.
Place 50,000, 100,000 euros or more
In the context of the inevitable duo life insurance / PEA, the investor can take more risk on his capital in the perspective of a better performance. As a result, the new PEA-PME will be able to invest in listed medium and mid-size companies as well as in unlisted equities from next year. Another option is to take out a PERP, the popular retirement savings plan, in order to deduct tax paid on this contract while preparing for retirement.