Your booklet A is no longer enough for you? What if you turned to personalized investment solutions like those of Mon Petit Placement? Tech sector, health, environment, real estate… You can even choose which sector of the economy to support.
On February 1, the interest rate for the livret A was revalued from 2 to 3%. While this is still good news, the fact remains that this rate is far from compensating for rising inflation, according to the latest figures from INSEE, at 6%.
The month of January has already passed, and it may have brought in its wake a bonus to invest. And it is not the favorite booklet of the French which will offer him the best valuation. It may therefore be interesting to diversify your savings by turning to other solutions such as those offered by Mon Petit Placement.
You can thus invest your money through life insurance, an ideal “Swiss army knife” investment whatever your age and your plans.
It offers several advantages:
- Your savings are not blocked;
- if you wait at least 8 years to recover it, the taxation is significantly lower.
Life insurance is therefore a particularly attractive investment when it comes to building up capital over the long term, the proof: one in two French people owns one.
Diversifying the investment of one’s savings: why and how?
When you decide to diversify your savings, many questions arise. Where to put your money? With what risks? And how can you be sure that those who are going to manage this savings know it well? For each of these questions, Mon Petit Placement has an answer. Designed for those who want to grow their savings in their own image, the site offers an investment portfolio with various levels of risk, from the most moderate to the most daring.
In 2021, the product with the lowest risk exposure (the voluntary) recorded an interest rate of 3.95%. Is much more than that displayed by the booklet A.
In recent years, the most aggressive portfolios have been able to generate an average return of 12% over a period of 5 to 8 years. Proof that patience pays off.
Be careful though, it is important to keep in mind that past performance is not indicative of future performance.
Another advantage of the Mon Petit Placement services: you can choose the initial amount to invest (from 300 euros) and how often you plan to fund this investment, from 100 euros per month.
A real accompaniment
To help you see more clearly in its investments, Mon Petit Placement provides its clients with experts in the field who help you optimize the return on your investments. Fintech offers real personalized support.
Upon registration, you will have to complete a questionnaire allowing you to define which investment profile best suits you according to duration, objective and risk appetite. Mon Petit Placement then sends you a precise presentation video corresponding to your profile to explain how to invest your money effectively.
Mon Petit Placement’s experts schedule regular meetings to review your investments, their performance, and help you better optimize your savings available on the site.
In addition, in case of questions, their site has a chat available 7 days a week via which advisers answer you quickly and efficiently.
Finally, a significant asset for Mon Petit Placement: its mobile application. Simple and intuitive, it allows you to consult the status of your portfolios at any time, in a jiffy.
Invest in sectors that make sense
Remember that investing with Mon Petit Placement is like taking out life insurance. This means that the money you deposit there is entrusted to a portfolio manager who chooses a selection of financial products, in accordance with your objectives.
But not just any since the company allows you to choose sectors that are important to you. You can thus decide the area in which you wish to invest: climate, health, new technologies, solidarity, etc.
A welcome offer to reduce costs
For all of these comprehensive and personalized services, Mon Petit Placement charges a commission, only if your investments are performing well. And this is the big advantage of this French service. No entry, exit, payment or arbitration fees are applied to your investments (a few fees may, however, apply to real estate portfolios).
Mon Petit Placement is commissioned on the capital gain, depending on the amount invested and the level of performance. But thanks to the code FRANDROID40you can reduce your performance fees by 40% in the first year.
