Asset management is not reserved for the wealthy.
Everyone can, at their own level, build a solid heritage that will withstand the ups and downs of life. But where to start? What are the essential steps?
In 2025, investment strategies have evolved, but the fundamentals remain.
Let's find out together how to lay the foundations for a peaceful financial future, step by step.
The basis of your assets: the main residence
At the heart of any heritage strategy is the question of housing. Should you buy or rent? The answer depends on your personal and financial situation.
Buy or rent: the big debate
Buying a primary residence often represents the first major investment of your life. It’s a decision worth thinking about:
- Evaluate your borrowing capacity from several banks
- Analyze the local real estate market
- Calculate the total cost of the purchase (price + notary fees + possible work)
- Compare with the cost of a long-term rental
The purchase may be advantageous if you plan to stay in the same region for a long time. It offers a long-term security and can constitute a lever for future investments.
The key role of the main residence
Whether owned or rented, your primary residence plays a fundamental role in your financial security. It allows you to:
- Reduce your housing expenses in the long term (if purchased)
- Have an asset that generally increases in value over time
- Benefit from a stable framework to build the rest of your assets
Precautionary savings: your financial lifeline
Once housing is secure, the next crucial step is building precautionary savings. It is your financial safety net, essential to deal with unforeseen events without destabilizing the rest of your assets.
How much to save?
The ideal amount of your precautionary savings depends on your personal situation. Here are some benchmarks:
- For the most cautious: 6 to 12 months or more fixed charges
- For average comfort: 3 to 6 months’ salary
- The subsistence minimum: 3 months of fixed charges
Adjust these amounts according to your professional stability and your financial commitments.
Where to put this savings?
Precautionary savings must be easily accessible et secure. Favor regulated savings products:
- The Booklet A : ceiling of €22,950 in 2025, rate guaranteed by the State
- The LDDS (Sustainable and Solidarity Development Booklet): complementary to Booklet A
- The LEP (Popular Savings Booklet): for modest incomes, with a more advantageous rate
These savings accounts offer total liquidity and a state guarantee, ideal for precautionary savings.
The financial shock absorber: funds in euros
Between precautionary savings and riskier investments, euro funds play a shock-absorbing role in your wealth strategy.
What is a euro fund?
Euro funds are investment vehicles with guaranteed capital, generally offered as part of life insurance contracts. They offer:
- Security of invested capital
- A modest but regular yield
- Relatively good liquidity
The transitional role of euro funds
These funds serve as a transition between your precautionary savings and your long-term investments. They allow you to:
-- Secure part of your savings while making them grow
- Have available capital to seize investment opportunities
- Balancing your portfolio during market turmoil
Develop your assets: Stock Market and Real Estate
Once the solid foundations have been laid, it is time to turn to more dynamic investments to grow your assets in the long term.
Investing in the stock market: diversify to succeed
The stock market offers many opportunities to grow your capital. Here are the main investment vehicles:
- Actions : shares of companies listed on the stock exchange
- ETF (trackers): listed index funds that replicate the performance of an index
- Obligations : debt securities issued by companies or governments
To invest in the stock market, several tax envelopes are available:
- PEA (Stock Savings Plan): ideal for investing in European stocks
- PER (Retirement Savings Plan): to prepare for retirement with tax advantages
- CTO (Ordinary Securities Account): to invest without limits or particular constraints
Real estate: cornerstone of heritage
Real estate remains a pillar of asset diversification. Several options are available to you:
- Rental real estate : purchase of a property to rent it
- SCPI (Sociétés Civiles de Placement Immobilier): collective investment in real estate
- OPTIONS (Real Estate Collective Investment Organizations): mixed real estate and securities funds
Each option has its advantages and disadvantages in terms of return, risk and management.
Alternative investments: for the most daring
At the top of the wealth pyramid are alternative investments, reserved for informed investors willing to take more risks.
Diversify with atypical assets
Alternative investment options include:
- Raw materials : gold, silver, oil, etc.
- Cryptocurrencies : Bitcoin, Ethereum and other digital assets
- Crowdfunding immobilier : crowdfunding of real estate projects
- Private equity : investment in unlisted companies
These investments can offer potentially high returns, but also carry significant risks. They should only represent a small part of your overall assets.
Key principles for a successful wealth strategy
To build strong and diversified wealth, keep these fundamental principles in mind:
1. A gradual approach
Build your wealth step by step:
- Secure your home
- Build up precautionary savings
- Invest in secure funds
- Diversify with the stock market and real estate
- Explore Alternative Investments (With Caution)
2. Diversification, the key word of wealth management
Don't put all your eggs in one basket. Diversify:
- Asset classes (stocks, bonds, real estate, etc.)
- Geographical areas
- Sectors of activity
- Investment durations
3. A long-term vision
Heritage construction is a marathon, not a sprint. Take a long-term perspective to:
- Smoothing out market fluctuations
- Take advantage of the cumulative effect of compound interest
- Align your investments with your life goals
4. L’adaptation continue
Your wealth strategy must evolve with you. Reassess regularly:
- Your financial goals
- Your risk tolerance
- The performance of your investments
- The overall balance of your portfolio
In 2025, building a solid and diversified heritage remains an objective accessible to all. By following a structured approach and respecting the fundamental principles of wealth management, everyone can lay the foundations for a peaceful financial future. The key to success lies in patience, discipline and a clear vision of your long-term goals.
Remember that each situation is unique: do not hesitate to consult a professional to adapt this advice to your personal case.
Note : This is not financial advice, this content is for educational purposes. Investing involves risks of capital loss. Make sure you train and inform yourself before taking action.
