Families of investments

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investment type

In this article we will see different types of investments that we can find on the market, overall I am of course talking about simple investments.

The poor and the middle class buy the sweat of their brow of the liabilities which have no real value as soon as they take them home. The rich, they buy assets that generate income that they become even more rich. The rich buy bonds, stocks, businesses and the poor buy debts. I therefore propose here a list of the main existing assets.

Banking and finance

I here indicates the list of products you can find at your banker or your insurer, you can easily find most of the following investments, all are interesting, but they each have a different purpose.

Booklets

Here is a list of the main available booklets. It is your first "investment".

-CEL (housing savings account).
-CODEVI (industrial development account).
-Sara (popular savings book).
-Booklet has.
-Blue booklet.
-Young booklet.

Benefits: Booklets have the advantage to be secured and available.

Cons: The counterpart of this availability it is they are of reserves if it gets rough. Impossible to really make money, they are bad investments.

Mode of use: do not really make a profitable investment, despite all the ads of banks, booklets are what they are, a reserve fast and available money.

Other booklets and standard plans

ELP (housing savings plans)

Savings blocked, recoverable. It is a guaranteed investment, the rate is better than the books and we can enjoy a interesting credit (sometimes).

PEA (share savings plans)

Useful in Exchange for investing by paying can tax, is not in any one investment, it is a product place or store your actions by paying less taxes. To combine with an account title to put your other investments.

PEA – SME (savings plans into action for small and medium-sized enterprises)

Useful IPO to invest in paying can d taxes, this n is not in either a product investment, it is a place or store your actions by paying less taxes. Combine this with an account title to put your other investments.

EPE (company savings plans)

The company savings plan (EEP) is a system of collective savings implemented within the company. It allows the employee to increase its revenues by building a portfolio of securities with the help of the company. Same as the PEA

PERCO (collective retirement savings plans).

Retirement savings plan (Perco) collective allows the employee to build up savings. It is accessible at the time of retirement as an annuity or, if the collective agreement, in the form of capital. Looks like the PEA and EPE.

Benefits: These are good tax-free products, these products that earn you money.

Disadvantage: Some understanding is necessary

Mode of use: these product are the heart of your savings because they bring the performance. We keep stocks…

The term account

Sounds like a blocked booklet

Advantages: It is a product guaranteed. There is something for all the terms investment (3/6 months etc)

Disadvantage: Lack of compensation.

Mode of use: to place the cash in the short term.

Banks B units

It's a share without voting rights, governed by the articles of Association

Benefits. easy, often guaranteed capital

Disadvantage: you don't win a lot of money, some banks allow you to recover in X years. Under the Act of 10 September 1947 on the status of the cooperation, the rate of return offered cannot exceed the average rate of return on bonds of private companies. However, this rate continues to fall.

Mode of use: as an obligation but guaranteed, with a less interesting rates

UCITS

The securities mutual funds are investment funds represented by two large families: the SICAV and FCP. The difference between the two families of products, SICAV and FCP, is essentially legal: the principle is to take several products and offer you a basket without the need to buy all the products in the basket so you have a fraction d a basket for a much smaller amount. Major mutual funds are: cash, bonds, shares, alternative funds of funds to formula, diversified

Benefits: interesting

Disadvantage: Some understanding is necessary

Mode of use: insurance life and l UCITS are put in the same basket in terms of use.

few venture capital funds

-FCPI (venture capital funds in innovation).

-FIP (proximity investment fund FCPR).

-SOFICAS (financing of cinema and audiovisual companies.

-QUALIFIED (financing of small-scale fishing societies).

Life insurance

The vocation of origin of life insurance is to guarantee the payment of a certain amount of money (capital or annuity) when an event related to the insured occurs: the death or survival. It should be however to the distinction between the death insurance known as 'insurance' who pays the capital or the pension in case of death and life (also referred to as life insurance) insurance, which pays a capital or a pension in case of life at maturity of the contract (if deaths before nothing is due to the estate).

What is commonly called "life insurance" in France is a life insurance contract (capital paid in case of death before the term of the contract) with "premiums", i.e. the repayment of the premiums paid during the term of the contract in case of life of the insured at the end of the contract, and possibly together with technical interest provided for in the contract. This allows to present a quasi-produit of savings, with the tax benefits of insurance. It is also possible to buy out his contract before the deadline.

Life insurance also allows to leverage funds while pursuing a long-term goal: retirement, a real estate investment, etc. It also offers significant tax benefits in respect of inheritance.
Contracts can be in euros or monosupports: they are only invested in funds euro (bonds in majority).

There are also other contracts, multimedia contracts, involving both a Fund in euros and units of account (or CPU) invested in shares of the SICAV, FCP (i.e. UCITS) or trackers, themselves mostly invested in shares or obligations.

Benefits: interesting

Disadvantage: Some understanding is necessary

Mode of use: insurance life and UCITS are put in the same basket in terms of use, but the PERP is less useful.

The PERP (popular retirement savings plan).

Only output in pension

The contract may provide additional in case of death of the insured as safeguards:

-A life annuity for the beneficiary named in the contract.

-A pension education for the benefit of minor children.

-A disability pension.

The perp (popular retirement savings plan) is an insurance contract whose payments are deductible from income and enabling the payment of an annuity (for life) on departure from 60 years or retirement

Pros: Interesting for some cases
Disadvantage: Some understanding is necessary
Mode of use: specific

The survival pension.

The survival annuity is an insurance contract which the beneficiary is a person with a disability. It must be reached infirmity not allowing it to train or to exercise an activity under normal conditions.

Pros: Interesting for some cases
Disadvantage: Some understanding is necessary
Mode of use: specific

Disability savings.

The disability savings contract is an insurance contract, a minimum of 6 years, which the insured is a person with a disability.
Pros: Interesting for some cases
Disadvantage: Some understanding is necessary
Mode of use: specific

Financial products

Action

An action is a title issued by a capital company (e.g. a corporation or a company limited by shares). It gives the holder the ownership of part of the capital, with the rights associated: intervene in the management of the company and income called dividend.

Benefits: These are good products.

Disadvantage: A good understanding is required

Mode of use: these products are at the heart of your savings because they bring the performance. The actions are put in the account title or PEA. Thinking about diversifying, note also that your bank takes charges by lines, so it takes significant amounts, or you may prefer a UCITS.

Obligation

An obligation is a part of the debts of a loan. see article here
Benefits: These are good products. With a stable and easy to understand price.
Disadvantage: A less good than stocks performance
Mode of use: these product are the heart of your savings stability with a bit less than performance. Often they are not in variable rate and we know l advance performance. Thinking about diversifying, note also that your bank takes charges by lines, so it takes significant amounts, otherwise you will prefer a UCITS.

Derivatives

That is what derivatives?
These are Financial Instruments whose value is derived for the most part, the price or price of a value on which they are based (equities, currencies, effects).
The purpose of derivatives.
The goal is not to play the trader but are tools for managing financial risks are used to cover the risks. 7 large families of derivatives are
-"Contracts for difference": CFD
-"Future" contracts
-Turbo certificates
-Forex
-Warrants
-Trackers
-Certificates

Advantages: huge potential

Disadvantage: A thorough understanding is needed

Mode of use: these products are marginal in your savings, they are often risky, have can lose more than the initial bet. Not recommended at first.

Real estate

Although inherently real estate is not a liquid, it is still several advantages. People still need housing, real estate allows you to borrow (I have tried to claim credit for investing in a banker, he refuses, because you go too money and c is illegal too money depending on certain banks, conclusion: change of banker.)

For rent unfurnished.

Through the creation of a land deficit

-Land deficit.
-Robien (acquisitions until 12/31/09).
-Popular Borloo (acquisitions until 12/31/09).
-Malraux.
-Historical monuments.

By a direct tax reduction

-Girardin
-Demessine (Zhang)
-Scellier
-Pinel
-Duflot

For rent furnished.

-LMP (professional furnished rental)
-Leaseback (non-professional furnished rental)
Benefits: These are good products. In fact real estate is always a good choice.
Disadvantage: A good understanding is required
Mode of use: the advantage of real estate it is the ease of borrowing, the performance is low, but the effect of leverage strong.

In REITs (real estate investment society), known as "stone paper"

The purpose of a civil society of real estate investment is the acquisition and management of a real estate professional. The management company takes care of collecting money-close to individuals, find assets in which to invest, manage this estate and redistribute rents and/or tax benefits to its unitholders, the "associated".
Benefits: These are good products.
Disadvantage: A good understanding is required, careful we're often responsible for unlimited way.
Mode of use: product to hold in its portfolio when it starts to have the maturity and provided that real estate is not your only investment.

Other duty-free categories

 

Antiques

They are a good investment choice. They sell worldwide and is valorizes with the resale. They give pleasure and a better quality of life. Antiques are our minds and our sensitivity. They improve the atmosphere of the House by giving a major social prestige. They are unique and proprietary. Downside, they are fragile and are often difficult to carry, more expensive restoration and the value is highly speculative.

Benefits: These are products of diversification.

Disadvantage: Reserved for experts

Mode of use: speculative and marginal in your portfolio

 

 

Bitcoin and other currencies cryptos

The value of these currencies is especially for use there is possible to make and the speculative value.

Benefits: This occurred with potential.

Disadvantage: A good understanding is required

Mode of use: marginalized, we must know there, can be a future currency because the State wish no doubt remove the cash.

Crowdfunding

Easy access, low capital, choice of platforms, easy to understand. Often a good choice to start a portfolio, however follow a minimum these investments.

Benefits: These are good products.

Disadvantage: Often not large-cap

Mode of use: interesting to put course, it is of good deeds.

Crowlending

Easy access, low capital, choice of platforms, easy to understand. Often a good choice to start a portfolio, however follow a minimum these investments.

Benefits: These are good products.

Disadvantage: Often not large-cap

Mode of use: A product for beginners, c is often obligations of companies, is located at path between the UCITS and the pure obligation. Product to hold in its portfolio or instead of December a UCITS. There are plenty (lendix / finsquare /crowdimo / anaxago)

Forests

The forest appeals to investors looking for safe havens. They are more likely to purchase forestry land groups. Then they no longer have the concern of the management, but they do not have the enjoyment of their forest. The forest is a safe haven, but with a low yield.

Benefits: These are good products.

Disadvantage: A good understanding is required, the sector is unique

Mode of use: Marginal in your portfolio.

Manuscripts

Raw

To invest, it is possible to act in two ways. First, it can take a position on futures markets. To do this, it comes to buy or sell a contract term on a given raw material: wheat, cotton, oil, uranium, etc. Each contract is the amount of raw material involved. It is also possible to position on a collective investment fund, with stocks whose price is indexed in the raw. These are mutual funds. Or so by investing in the producers (monsanto etc)

Despite its attractions, investment on raw material remains easily accessible to individuals:
-L' physical purchase does not seem realistic except for gold or money. Indeed, it requires transport and storage of potentially perishable materials.
-l'evolution of their prices is strongly related to the level of production or even at the level of the estimated natural reserves, particularly in the case of products on energy. Geopolitical and climatic factors may also affect their courses.
-In times of inflation, there is a trend to the rising prices of raw materials. This allows to cover part of his portfolio against rising prices. On the other hand, because the majority of these products are quoted in US dollars, there is a negative correlation with changes in this currency.

Benefits: These are products of diversification.

Disadvantage: Reserved for experts

Mode of use: speculative and marginal in your portfolio

Furniture

Metals

Throughout history, humans have been fascinated by gold or money. These rare and precious metals to the properties of resistance to unusual weather have unique properties that make it one of the main symbols of wealth around the world. Physical investment is quite possible, but investment in companies also. There are other metals (Platinum and palladium)

Benefits: Can be transported easily,

Disadvantage: Reserved to experts or those who want to have something of value in times of crisis.

Mode of use: speculative and marginal in your portfolio

Watches

Numismatics

The collection of coins.

Collection object (cards, things of celebrities etc)

Philately

The stamp collection

Products défiscalisant

  • PINEL
  • DONATIONS & SPONSORSHIP
  • Tepa
  • SME PMI
  • Invest in the vineyards
  • Invest in forests
  • Invest in film
  • FCPI
  • FIP CORSICA
  • Life insurance
  • Monument history
  • LMP
  • FRENCH LEASEBACK
  • Girardin
  • POD
  • Malraux
  • Bouvard
  • Arts

Forest FCPI etc, these are often hard investments using a clauses that exempt from taxation

Benefits: This occurred with potential.

Disadvantage: A good understanding is required

Mode of use:

Wine

The wine, a full-fledged investment. Wine investment became a full-fledged asset class. The wine becomes in turn produces desire, consumption, investment and collection. Although subject to the vagaries of market, prices are progressing with the time: invest in wine fits in the medium to long term.

Benefits: These are products of diversification.
Disadvantage: Reserved for experts
Mode of use: speculative and marginal in your portfolio

Start a business

Special case

You

Excellent investment, education, health, family are very paid. Your first investment, but don't put everything in your work, because a day has only 24 hours.

Classic cars

Conclusion:

Many products are available, start with books, then the mutual funds or insurance, then stocks, crowdfunding and bonds and real estate, complete with the icing of your choice. Always by investing in you.

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