The most profitable investments outside of banks in 2024 to boost your savings!

Real estate: a safe bet

Rental investment

Real estate remains one of the favorite investments of the French. Buying a property to rent it can generate regular income while ensuring the appreciation of assets in the long term.

The rents received can partially or completely cover the real estate loan taken out for the purchase, making this investment particularly attractive.

It is nevertheless essential to choose the location carefullythe quality of the property and to find out about the local rental market. A poorly prepared investment can quickly become a source of stress and not offer the expected return.

The paper stone: SCPI

For those who wish to invest in real estate without directly managing a property, Real Estate Investment Companies (SCPI) represent an excellent alternative. By acquiring SCPI shares, you become co-owner of a diversified real estate portfolio managed by professionals.

SCPIs often offer attractive returns, higher than those of savings accounts, with delegated management, thus reducing the hassle of daily property management.

Turn to stocks

Stock markets

Investing in the stock market allows you to buy company shares in the form ofactions. Although this type of investment carries risks, it also has the potential to provide significant returns over the long term. Stocks can increase in value or distribute dividends, offering two potential sources of income.

It is recommended to train yourself well before launching and diversifying your investments to minimize risks. Calling on a financial advisor can also be a good idea to guide your choices.

Index funds and ETFs

Index funds and Exchange Traded Funds (ETF) are interesting options for those who want to invest in the stock market without having to select each stock individually.

These financial products track the performance of stock market indices and thus allow automatic diversification and generally lower fees.

The world of cryptocurrencies

What advantages?

THE cryptocurrencies have gained popularity in recent years due to their high yield potential. Bitcoin, Ethereum and other altcoins are attracting many investors looking to profit from the rapid growth of this new asset class.

In addition to the earning potential, the decentralized nature of cryptocurrencies appeals to those wishing to free themselves from traditional financial systems. However, these assets are extremely volatile and require constant vigilance.

How to start?

Investing in cryptocurrencies requires some technical knowledge. It is crucial to learn about the different types of digital wallets, exchange platforms, and the security measures to take to protect your assets.

Starting by diversifying your portfolio between several cryptocurrencies can help spread the risks. Additionally, only invest what you are willing to lose, as the crypto market can be unpredictable.

Life insurance: a flexible investment

The advantages of life insurance

L’life insurance remains one of the favorite investments of French savers. This savings product not only offers advantageous taxation after 8 years, but also great flexibility in terms of possible supports (secure euro funds, units of account, etc.)

This placement allows diversify your investments while benefiting from financial protection in the event of death. In addition, depending on the clauses of the contract, beneficiaries can sometimes benefit from advantageous tax conditions upon settlement.

Choose your contract wisely

It is important to compare the different life insurance contracts available on the market. Management fees, past performance of the supports offered, and the flexibility of withdrawal conditions are all criteria to consider when choosing the contract best suited to your needs.

Alternative savings accounts

Hunt for the best rates

Even if traditional savings accounts like Livret A offer absolute security, they often offer unattractive interest rates. Looking for alternative savings accounts can allow you to benefit from higher rates while remaining within a secure framework.

Some financial institutions offer boosted savings accounts with promotional rates for a defined period, which can give an interesting boost to your savings.

Think about social booklets

Regulated savings accounts such as the LDDS (sustainable and solidarity development account) or the LEP (popular savings account) can also offer interesting solutions depending on your tax profile. Although they are subject to certain holding conditions, their rates are generally slightly higher than those of the Livret A.

Finance participatory projects

Le crowdfunding

Crowdfunding or crowdfunding allows us to support innovative projects while hoping to obtain a return on investment. This method of financing consists of investing small sums in various projects (start-ups, cultural projects, etc.), often via dedicated platforms.

Depending on the project, returns can be high, but this type of investment also presents risks. Indeed, not all projects are successful and the invested capital may be lost. It is therefore essential to carefully evaluate each opportunity before launching.

Loans between individuals

Peer-to-peer lending or peer-to-peer lending is another form of crowdfunding. This concept allows individuals to lend money directly to other individuals or businesses via specialized platforms.

In return, the lender receives interest, often more attractive than traditional bank accounts. However, the risk of default on repayment must also be taken into account. Diversifying your loans and lending small amounts can help reduce this risk.

Opt for alternative investments

Precious metals

THE precious metals as gold and silver have long been considered safe haven investments in times of economic uncertainty. Buying bars, coins, or even shares in mining companies can provide insurance against inflation and financial market volatility.

However, these investments must be complementary to a diversified portfolio. Preserving and insuring physical assets also imposes additional costs.

Collectibles & Art

For art and collectible enthusiasts, investing in valuable items can be profitable. Paintings, sculptures, luxury watches and other rare items can increase in value over time. In addition, this type of investment is often associated with a personal passion, bringing additional satisfaction beyond the simple financial aspect.

However, it is crucial to have good expertise in the sector and possibly be supported by professionals to correctly evaluate potential acquisitions. Since the collectibles market is less liquid, resale can also take time.

Explore overseas investment

Foreign real estate

Invest your money in real estate abroad can offer interesting opportunities, particularly in countries where the real estate market is booming. This allows you to geographically diversify your portfolio and benefit from returns that are sometimes more attractive than in France.

However, investing abroad requires a good knowledge of local regulations, market practices, and sometimes additional political or economic risks. A careful and knowledgeable approach is essential.

Foreign stocks and bonds

To further diversify your investments, investing in foreign stocks and bonds can be a wise solution. This allows you to benefit from the growth of certain