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Managing your assets effectively involves making wise choices. The investments you want to make obviously depend on your objectives. Every year, certain errors recur frequently and can limit investment performance.
If you want to evolve in 2025 and make the right choice, it is essential to know the options available to you. Let's take an overview of the savings available to the French. It is then up to you to choose the one that stands out according to your ambitions.
Livret A: the star of investments
Booklets regulated as the Livret A or the LDDS (Sustainable and Solidarity Development Booklet) are attractive for their security and their absence of taxation. They allow you to keep several months of disposable income without risk. It is not for nothing that the Livret A is the star of investments. At no cost, you can add or retrieve funds. And this, at any time.
However, if you want to make money, this is not the right investment. Indeed, the yield of the two booklets remains lowalthough it is still higher than inflation. But it is not with these investments that you will significantly increase your assets.
To have
These risk-free investments are the most attractive this year
We advise you to keep the equivalent of three to six months of income in these savings accounts to cover unforeseen events. Invest the rest in more profitable investments such as stock market values or a life insurance contract.
What about the stock market in 2025?
Each year, thanks in particular to social networks, the Stock Market attracts more and more savers. They see it as a savings solution that can save a lot of money.
So, it can be tempting to invest a large sum at once, especially after a bonus or an inheritance. However, betting on a “hot tip” or an action that seems promising can quickly turn against you.
To maximize your chances of investing successfully, opt for a regular investment method instead. For that, you just need to invest a fixed amount each month in the stock market. This approach allows you to smooth out market fluctuations and benefit from their long-term upward trend.
Mistakes to avoid
Products with strong tax incentives can be attractive, especially in a country where taxes are high. However, these products often carry more risks and fees.
To have
This virulent SMS scam traps French people and can empty their bank accounts
Therefore, we advise opting for the Retirement Savings Plan (PER). Indeed, it offers a serious tax advantage with the possibility of deducting your payments from your taxable income. This product is experiencing strong development. It stands out as an excellent tool for preparing for your retirement while optimizing your taxes.
Remember that the placement that seems most judicious to you will not necessarily be the same as that of your neighbor. Indeed, it is always essential to adapt your strategy to your own situation. Just because someone close to you tells you about interesting savings doesn't mean it will be interesting for you.
Finally, never forget: diversification is essential. Don't put all your eggs in one basket. Analyze your needs, define your goals and build a savings and investment strategy that suits you.
