2023 is shaping up to be a year full of challenges and opportunities for investors. With economic growth underway, interest rates on the rise and the ever-changing technological landscape, there are plenty of ways to invest your money and grow your wealth. Here are a few tips to help you navigate the world of investing in 2023.
1. Regulated savings books for investing your money
1.1 A value sSafe for all savers
Traditionally the preferred choice of savers, the regulated savings books offer guaranteed capital, funds that can be accessed at any time without delay, and tax-free interest. In 2023, their interest rate is likely to be revised upwards, due to rising inflation.
1.2 Livret A and LDDS passbook savings accounts
Among these booklets, the Livret A and the sustainable and socially responsible development passbook (LDDS) are particularly attractive. Although their interest rate does not fully compensate for inflation, they can be an interesting way of building up a nest-egg. precautionary savings.
2. Life insurance
2.1 A versatile tool to help your investments grow
L'life insurance remains a key tool for making your investments grow in 2023. Flexible and tax-efficient, this product allows you to invest money with a view to medium or long-term investment.
2.2 Mandated management
By opting for a life insurance policy in discretionary managementYou can delegate the selection of your investment vehicles and arbitrage operations to specialists, which can be particularly useful in a complex and uncertain market environment.
3. Equities and bonds
3.1 An opportunity to be seized
Despite the sometimes difficult economic climate, 2023 could prove to be a good time to diversify your equity portfolio. Stock prices are low, but should tend to stabilise and rebound in the medium term.
3.2 The need for caution
Whether you are investing in equities or bonds, you need to be careful, especially if you are new to the stock market. There are several options available to you, such as discretionary management your PEA (share savings plan) or your securities account.
4. Private equity
4.1 A stable investment in a bear market
Investing in unlisted can allow you to benefit from a degree of price stability, which is appreciable in a bear market. Unquoted shares are generally less volatile than those traded on the stock exchange.
4.2 A risky investment
Despite its advantages, private equity is a risky investment We recommend that you find out as much as you can about the securities you are interested in and how unlisted markets work before investing.
5. Retirement savings plans (PER)
5.1 A long-term investment product
Le retirement savings plan (PER) is a long-term investment product that allows you to grow your money throughout your working life to earn the payment of a lump sum or an annuity at the end of your career.
5.2 Tax benefits not to be overlooked
As well as preparing for your retirement, you benefit from a tax advantage: the amounts invested in the PER are deductible from taxable income, up to a ceiling set by the authorities.
6. Rental property
6.1 A profitable investment
L'rental investment is an interesting option for 2023. Buying and renting homes in outlying areas could be a good option.
6.2 Paper-stone, an attractive alternative
If you're looking for a quick and easy way to invest in property, you can turn to paper-based property, by buying shares in a non-trading property investment company (SCPI).
7. Pleasure investments
7.1 An investment that makes sense
And if you added to your investments pleasure investments ? Art, wine and vineyards, forests, racehorses or classic cars: the ideas are many and often timeless.
7.2 A well thought-out investment strategy
Before you start investing for pleasure, we recommend that you build up sufficiently secure and diversified savings.
8. Cryptocurrencies
8.1 A speculative investment
The cryptocurrencies are extremely speculative investments and, as a result, highly uncertain. If you want to risk a small fraction of your money, do so with a clear conscience.
8.2 The need for caution
If you're looking to build a solid wealth over the long term, cryptocurrencies are probably not the best place to put your money.
9. Property crowdfunding
9.1 A short-term investment
Le property crowdfunding is another way of investing in property. By lending money to property developers for the construction or refurbishment of a building, you can earn interest of around 8% a year.
9.2 Stalled investment
However, bear in mind that you won't get your money back until the end of the project. This type of investment is therefore interesting if you have a short-term investment horizon.
10. In conclusion, to invest your money
Investing in 2023 may seem daunting, but with the right advice and a considered investment strategy, you can maximise your returns and minimise your risks. Don't hesitate to turn to wealth management professionals, like our company de Ravel Finance, to help you manage your investments in the best possible way.
Important information This article is for information purposes only. It does not constitute financial, investment, legal, tax or other advice. Please consult a professional before making any investment decision.