Despite a complex environment, 2024 turned out to be a promising for investors, thanks to the slowdown in inflation, increased global scholarships and the proper remuneration of booklets and term accounts. Finally, real estate is the sector that will have the most painful, trapped by a high cost of mortgage, a lack of confidence in buyers and an absence of structural reforms.
In 2025, once again, it will be necessary to have an eye on the level of interest rates, which will be a key indicator of the direction of the economic situation, the markets and the credit. Since last summer, European and American central banks have started a decrease movement which must theoretically promote risky assets compared to guaranteed short -term investments. But it will be necessary to count in the coming months with other decisive factors, such as Donald Trump’s policy abroad and the French government’s budget on the domestic scene.
As always when the uncertainties are numerous, you must return to the basics and be common sense. Beware of too bitter marketing speeches. Many actors, eager to attract collection, point to the weak remuneration of booklet A, which should be emptied for the benefit of life insurance contracts or rental real estate. In reality, nothing is less fair as these supports have distinct aims. A properly balanced heritage necessarily includes precautionary savings placed on liquid supports such as booklets, medium -term long -term investments in the stock market and real estate and diversification assets in the final touch. Then, everything is a question of life objectives, risk -to -risk and financial surface.
These elements in mind, approach 2025 on the heritage level as a year of transition. Admittedly, short -term investments should see their remuneration gradually decrease, but at the start of the year there are opportunities to consider. Unlike last year, it will be necessary to watch for promotional offers or agree to immobilize your savings a little longer.
On the life insurance side, the euro fund should still display attractive yields, sometimes with bonuses for subscribers paying new savings to their contract. On the real estate side, 2025 should be in an in-between with the hope of a timid restart. Finally, on the shares, the scholarship is polarized between promising but very expensive markets on the one hand, and, on the other, on the markets that are overlooked but poorly positioned to take advantage of global growth. Again, to see more clearly, it will be necessary to wait for adjustments to take place.
An article in the special file “Placements: our 40 advice for 2025”, published in the Express of February 20.