Regulated booklets, life insurance with euros in euros, real estate, scholarship: the main placement categories deserve a place in your portfolio in 2025. But it is also possible to think outside the box by taking an interest in decorrelated assets of traditional markets. Tangible assets, like gold; digital, like Bitcoin; Or not listed, as Private Equity: they will all bring a performance potential different from other investments. However, their share will be to dose in moderation according to your risk report. Some, such as private debt funds, investment capital or structured products, are accessible in life insurance. “A dozen thousands of euros are enough, while these products display an entry ticket of 100,000 to 500,000 euros minimum if they are subscribed live,” said Pierre Marin, co -founder of the Rockfi private management platform. Another advantage is to benefit from the advantageous taxation of life insurance.
Golden Lingot
She is the 2024 star: the Once d’Or flew up 25 % last year, beating historic records thanks to high demand worldwide. But there is even better: the 1 kilo strips took place 34 %, going from 60,000 euros in early 2024 to more than 80,000 euros in January 2025! The drop in American guiding rates, engaged in September 2024 is traditionally favorable to yellow metal. “Gold remains in a bull market, but the trajectory of 2025 promises to be less linear than in 2024, warns Nicky Shiels, responsible for the Gold Avenue metal strategy. Purchases of central banks should continue at a rate of last year, but global flows could become weaker, given the threat represented by Donald Trump Better to wait for a decline in courses before investing in a long -term perspective. Also pay attention to taxation in the event of resale: a tax of 36.2 % on the capital gain applies if the saver can prove the date and the purchase price by an invoice, after a 5 % reduction per year from the second year of detention.
Investo Physical Gold etc
It is also possible to expose themselves during gold via a product listed on the stock market such as the Physical Gold investco, etc., a financial instrument backed by physical gold. Its manager, invesco, buys or sells ingots every day, depending on the outstanding of the fund, which are then put in safety in the coffers of a bank in London. The saver does not have to worry about storage. Another advantage, this product makes it possible to divide its investment since it ratings around 270 dollars, compared to more than 80,000 euros for a ingot. Management costs are also limited to 0.12 %. This product is listed on Euronext and is bought as an action via a broker on the stock market, with limited costs (0.5 % maximum among online players). Knowing that it is not eligible for the equity savings plan (PEA), it must be accommodated on a securities account. In the event of a sale, the capital gain is subject to the unique flat-rate levy of 30 %.
Bitcoin
At 99,000 dollars, the cryptocurrency star is close to its historic high ($ 108,000 in December 2024). It is true that the election of Donald Trump rekindled the hopes of deregulation of the sector. In addition, Bitcoin has been taking advantage of the American regulator of listed indexed indexed funds indexed to Bitcoin, managed by actors of traditional finance like Blackrock or Fidelity for a year like. Bitcoin largely dominates the market since it alone represents almost 60 % of the total capitalization of cryptocurrencies. “It remains well oriented this year, with important purchase flows because it is gradually spreading in traditional portfolios, including in American pension funds,” explains Manuel Valente, scientific director of Coinhouse. Main downside: this is an ultra-right active, capable of winning or losing several thousand dollars in one day. We must therefore devote only sums that we are ready to lose. Immerately opt for a reliable intermediary, by choosing a platform recorded from the AMF as a service provider on digital assets (PSAN).
Phoenix Eur CMS April 10, 2025
Structured products make it possible to expose themselves to the financial markets by controlling your risk: they display a return objective over a given period, while completely or partially protecting the capital of the investor. The Phoenix EUR CMS April 10, 2025 aims for an annual coupon of 5 % over twelve years maximum. Its payment depends on the evolution of the CMS EUR 10 years index, which reflects the borrowing conditions for ten years on the European market. The investor does not know in advance the exact duration of his investment, between one and twelve years, because the fund can be reimbursed in anticipation according to the evolution of this index. Capital is 100 % protected at maturity (excluding contract costs). This fund is issued by Société Générale and accessible within the framework of life insurance, notably at AXA, Cardif and Generali until April 30, 2025.
Tikehau Decarbonation Funding
This common risk investment fund (FCPR) is invested in private debt: it finances small and medium -sized European companies that are committed to reducing their greenhouse gas emissions. If the company reaches its annual decarbonation objective, the interest rate of the credit which is granted to it is reduced. The fund has an annual return target between 5 % and 6 %. “Investing in private debt makes it possible to diversify into real assets, with a lower risk than that of investment capital,” explains Frédéric Giovansili, Deputy Managing Director of Tikehau Capital. The fund is available in CNP Assurances, Spirica and Suravenir life insurance contracts, for an entry ticket between a few hundred and a few thousand euros.
Slam Fund
Invest in the capital of unlisted companies in the sectors of sport, luxury, art and music: this is the promise of FCPR Slam managed by Trail Solutions Heritage. It will eventually be invested in ten French and European SMEs in the development or transmission phase, selected by the management company and accompanied by high -level athletes such as Laura Flessel (sword), Raphaël Varane (Football), Pierre Gasly (Formula 1) or Ciryl Gane (MMA). The fund is marketed until September 2025 and will be put into liquidation at the end of 2033. It is accessible within the framework of life insurance, notably at Generali, from 1,000 euros.
Land Habitat and Humanism
Habitat and humanism is an organization working in favor of housing and the integration of precarious people, created in 1985 at the initiative of Father Bernard Devert. It is possible to support its action via a donation, but also by subscribing to the shares of the capital of its solidarity property. This company builds, buys or renovates accommodation for people in difficulty. The property does not distribute a dividend. The share is revalued regularly, of the order of 0.50 % per year in the past. In addition, the investment makes it possible to benefit from a reduction in income tax up to 25 % of its amount, capped at 50,000 euros for a single person, double for a couple, provided that they keep their shares for at least five years. It is a form of compensation in its own right, while having the assurance of doing good with your savings. The land habitat and humanism is labeled Finansol.
An article in the special file “Placements: our 40 advice for 2025”, published in the Express of February 20.