Before comparing the best investment formulas in force in 2013, it is necessary to go through certain steps beforehand to avoid making bad choices.
In fact, the objectives to be attained, the professional environment or the family situation are all factors that will allow you – as long as you make a careful analysis – to determine which placement to choose in your case.
Indeed, choosing an investment is about meeting specific needs.
- Are we looking to place a sum for a short time ?
- Is the tax and estate side privileged?
- Do we want to obtain the highest profitability ?
- Are we ready to take risks?
- Should money stay available ?
The answers to these questions as well as the resulting patrimonial analysis help guide the professional and help them choose an investment that meets your expectations.
Know the environment
The second step is the analysis of the home and work environment to determine which investment formula to focus on.
A good wealth management advisor, whether independent, employee of a bank or an insurance company must necessarily carry out a heritage audit. If the amount to be placed is low and your needs are not very precise, the audit will be limited to a few specific questions.
Nevertheless, it is mandatory that the advisor know your environment before proposing a solution.
Our advice : Most independent advisors are both judge and party. Clearly, after conducting an audit, the latter propose contracts on which they receive commissions sometimes very important on the sums invested and the outstandings managed. Remember to inquire about the fees that this system will not fail to occassioner.
The different placement formulas
Savings booklets are often preferred when looking for security and availability. Indeed, despite a low yield, these simple formulas do not lack assets.
Regulated booklets such as Livret A or the sustainable booklet are the best known, but unfortunately are capped. To complete, the saver can opt for a bank book whose performance no longer depends on the state but on the bank that offers the transaction.
Note The bank books are not net of taxes and are subject to the lump sum levy.
Another security formula , the term account is based on a simple principle. You choose a period with your banker (between one month and 5 years). The interest rate is determined in advance. That may be fixed or variable.
Life insurance remains the preferred formula of the French. But it deserves as much to be part of the secured contracts as risky investments because the multi-support life insurance contract allows the investor to place the funds on all the existing financial supports: stock exchange, real estate, but also the safe fund in euros .
But the fund in Euros has “lead in the wing” because, on the one hand, the tax levies on life insurance are important and secondly, the returns of the fund in euros have significantly eroded in recent years .
But apart from the applied taxation, these contracts are subject to fees often very high, not to mention management fees on outstanding.
Investments at risk
The stock market down? Never mind, buy! This strategy may shock, but it is the adage of professional traders. Sell when rising, buy during a period of decline. Easier said than done when you are a small investor.
If you are afraid of making the wrong choices, know that the “collective” formulas may be more appropriate. SICAVs and other mutual funds allow the manager to decide for you. You only determine a more or less risky profile at the start.
If you still want to manage a portfolio directly and choose the securities that you think are best, you’ll need patience and analytical skills. Some knowledge will also be needed to avoid making (too many) mistakes.