Where to invest your money in 2023?

As I told you, there is no right answer, since everything depends on your profile. That said, nothing prevents me from drawing up a non-exhaustive list of the most recommended investments this year.

1. Invest your money in stocks and bonds

Those are some scary words! And yet, the financial markets are more accessible than we think. With a little practice and good advice, it’s easy to earn a more than decent return. Of course, stocks are among the riskiest financial investments, but how else can you make your money grow? Taking risks, let’s be honest. In 2019, French equities are No. 1 in yield with more than 20% yield. However, if you are a little cautious, fall back on other less risky investments instead.

No need to hide your face: investing in the stock market requires a lot of composure and a relatively developed appetite for risk. If you are prepared to lose your investment amount, then stocks and bonds are for you. Otherwise, move on. Other more secure investments await you.

2. Rental investment

I honestly think that buying a buy-to-let is one of the best ways to grow your money . The principle is simple: you buy a house, apartments, garages or commercial premises and rent them out. Very quickly, the rents collected will exceed your loan and you will earn money. The advantage is that if you can no longer manage the rental, you just have to resell them. And as a bonus, the State will do everything to help you thanks to the Pinel law, which is practical for reducing taxes .

Rental investment concerns more savers with sufficient funds to acquire a property in good conditions. It is also necessary to be able to assume the possible hazards of this type of investment. Unpaid rent, costs of restoration work or rental vacancy can represent significant sums.

In summary, if you already own your main residence and have substantial savings, making a rental investment can be a good solution to ensure the balance of your assets.

3. Invest in SCPIs

Another sign, yes! This one stands for Société Civile de Placement Immobilier. For what ? Because you get the advantages of both, without the disadvantages. You invest in shares of companies which are responsible for investing in real estate, then you collect dividends. You have nothing to manage and you do not risk much, real estate being generally a buoyant market.

You do not have sufficient savings to invest directly in real estate? The management of a property does not really appeal to you? Buying shares in an SCPI is the investment you need, whatever your objective! The Société Civile de Placement Immobilier is, in fact, an ideal investment for tax exemption, building up assets or even effectively preparing for retirement.

4. Life insurance

I’ve told you over and over again, but forewarned is forearmed. Life insurance is the favorite investment of the French and rightly so, since, depending on the management method and the supports you choose, you could well touch the jackpot. In terms of taxation, it is probably the most interesting investment, especially if you intend to pass on your assets. Of course, the longer the investment , the

But that’s not all ! Contrary to popular belief, life insurance is also an interesting investment for financing medium-term projects or preparing for retirement. Do not hesitate to consult an independent wealth management advisor to find out more.

5. Savings plans

Whether it’s a company savings plan or a retirement savings plan , both are a practical and tax-efficient investment. This is the opportunity to make your money work , since when it closes, you will not only recover your savings, but also interest . As a bonus, know that the savings plan system has had a facelift thanks to the Pacte law, with even more advantages for savers.

Savings plans are interesting multi-faceted investments whatever the profile of the investor. The active 40-year-old wishing to prepare for retirement and protect his loved ones will easily opt for a PER. If you are under 30 and want to acquire your main residence in the years to come, opening a housing savings plan is an interesting option for financing your project.

6. Participation in companies

I told you about it just now, buying shares in SMEs or innovative companies (FCPI) can save you a lot of money if the activity takes off. How do you think Norman and Cyprien became millionaires? Well, of course, there is always the risk that society will collapse, but what would life be worth without a little danger? Also consider investing in a PEA PME .