The changing economic environment is making many investors think about the profitability of their investments. For many, taxation remains an important concern, but security and profitability seem to be the essential criteria for a peaceful night's sleep.
To achieve this quickly, it is essential to balance the life insurance, stock market and real estate trilogy.
1. Real estate :
As Roosevelt's famous quote goes, «Real estate can't be lost or stolen, and it can't be taken away. Bought with common sense, paid for in full, and managed with reason, it is the safest investment in the world». Real estate is the investment preferred of French people, with an asset value of 600 billion euros in total.
But don't be fooled by this craze. In fact, the good is not always and necessarily need to be possessed on long term. Surprises« can arise from the wrong choice. analysis or buying too much fast. And the price per square metre oscillations up and down, just like the financial markets.
The most important criterion to take into account is therefore the liquidity of the real estate market, i.e. your capacity to easily resell your property. So pay close attention.
2. Life insurance :
With interest rates falling over the past thirty years, savers are investing more and more unreasonably. Indeed, it's more tempting to invest in real estate given the yields, as 8% is more attractive than 3%. However, many people forget that real estate yields are not net but gross. Deduct the taxes and expenses which often considerably reduce net annual income.
Balancing your investments with life insurance allows you to benefit from more attractive net income and more attractive tax treatment.
3. The stock market :
In the wake of the 2001-2002, 2008 and 2011 crises, the stock market situation has changed for the better, to the point where we're seeing a certain wind of optimism today. The CAC40 index enjoyed 3 good years of growth between 2015 (8.5%) and 2017 (9.3%), which is motivating the individuals to invest in new on the stock market (somewhat belatedly).
Even if the climate has become more favorable, we mustn't forget the characteristics of the market, which goes up and down. Ideally, you want to be able to take full advantage of one-off but also diversify his portfolio, even for a multisport life insurance policy in action. This is the strategy that will bring you the most safety in a constantly changing market fluctuations.
In this new context, this trilogy is still a good way of achieving its financial objective. Particularly in the face of a taxes more and more heavy, with the new tax laws in France donations visit estates or the management of joint accounts. By analyzing and optimizing your investments, you can significantly improve visit performances of its current and, above all, future investments.
