The adage “avoid putting all your eggs in the same basket” remains one of the best tips that can be given in terms of placement. To limit any unpleasant surprises, it is imperative to diversify your savings products. This involves the opening of booklets and term accounts intended to secure your savings thanks to returns known in advance, while guaranteeing the protection of invested capital. But it is also relevant to subscribe in parallel envelopes to house more risky products, such as a equity savings plan (PEA), a securities account or life insurance, in order to boost the performance of your assets on the long term.
If you make the choice to manage a portfolio of actions yourself, it is fundamental to adopt such a wisdom of diversification by selecting at least fifteen companies with different profiles, both in terms of their activity, of their presence geographical than their stock market characteristics.
To start, it is good to favor some values of portfolio funds, say “a good father”. Companies that have the advantage of being large dominant groups in mature sectors and thus offer some visibility as to their performance. This is for example the case of L’Oréal, Air Liquid or Essilorluxottica.
Then, you have to dose your purchases between so -called cyclical, defensive, growth, yield and access values. Cyclical values are by nature the most sensitive to economic cycles. When growth is at half mast, these titles will nose. It’s time to buy them. Because from the first signs of recovery, they will be the first to see their course regain colors. They are found in the sectors of heavy industry, such as chemistry (Arkema) and steel industry (ArcelorMittal), but also in the automobile (Stellantis, Renault), aeronautics (Airbus, Air France-KLM), the Construction (Eiffage, Legrand, Schneider Electric) or the media (TF1, M6) and the bank (Société Générale, Crédit Agricole).
Conversely, when the horizon darkens and the recession threatens, it is better to make the back round and choose defensive values. They will resist more cyclical shocks, because they meet needs to which it is difficult to give up. They are linked to the high -consumption and agrifood (Danone), health (Sanofi, Virbac), drinking water (Veolia Environment) (Engie) and mobile telephony (Orange, Bouygues).
Growth or yield
As for so -called growth companies, they are above all positioned in future markets where demand can only be increasing in time, like technological companies like Amazon and Meta Platformms. In the long term, they are likely to offer a beautiful stock market course. But, setbacks of the medal, as these firms must constantly invest and innovate to stand out from competition, they rarely pay dividends unlike yield values. The latter, in pole position of their sector, generate enough recurring benefits to invest while taking care of their shareholders thanks to the regular payment of generous dividends. A policy favored by groups like BNP Paribas, Axa, Totalenergies and Vinci.
Finally, for those who like to find beautiful “sleeping”, it may be wise to invest in weakly valued companies, shunned by the market because they are positioned in a sector deemed not very attractive or because they have undergone a Course accident. They can be identified by the fact that their PER (Price Earning Ratio) – This is the ratio between the course and the amount of profit estimated by action – is low (less than 10) and/or less than the average of their sector . The day the investors will notice the gap between its price and its potential, the course of the title will naturally jump. In this case, you take a bet … which could well boost the performance of your wallet.