What investment(s) should you make after age 80?

What investment(s) should you make after age 80?
What investment(s) should you make after age 80?

At 80, you have already come a long way. Your state of health will be the main factor in determining which placement to choose. The wisest thing when you reach this age and ask yourself this question is to think about your inheritance while still having something to enjoy, especially if you are in good health.

Life insurance to pass on your inheritance tax-free

Life insurance is often considered a preferred solution for older people.

Due to its flexibility and tax advantages, it allows you to prepare your estate while benefiting from an advantageous tax framework. But it also offers the possibility of generating interesting additional income.

From euro funds to unit-linked funds, this type of investment can be adjusted according to the risk profile and specific objectives of the investor.

Life annuity: a wise choice?

Selling or buying a life annuity represents a notable option for those who own real estate and wish to earn regular income from it.

By selling your property in life annuity, you receive a life annuity which provides you with stable financial supplements until the end of your days.

For the buyer, this formula can prove to be economically interesting, despite the uncertainties linked to the duration of the annuity payment.

Read also : Is it possible to invest in real estate after 60?

Dismemberment of property

Property stripping is another asset management strategy that could be relevant for seniors. It consists of the separation of property rights into bare ownership and usufruct.

You can choose to sell the usufruct of your main or secondary residence while keeping bare ownership.

This strategy allows you to free up liquidity while retaining the right to enjoy your property, a particularly attractive option when there is no immediate need to completely liquidate a property.

Risk management and recommendations for senior investors

The final phase of life should be about peace of mind, which means that risk management takes on utmost importance in investment decisions.

To minimize unnecessary exposure:

  • Favor less volatile investments
  • Have your investments managed by professionals (beware of scams and profiteers)
  • Think about your estate

Choosing the right investment at age 80 and beyond requires careful consideration of several factors. The security of capital, the necessary liquidity and the objectives of wealth transmission, each of these options must be carefully evaluated to ensure that it perfectly corresponds to the expectations and needs of the senior investor.

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