Are savings accounts and life insurance interesting products to invest your money in 2023 ? Is it currently relevant to invest in the stock market or in real estate? Should we prioritize retirement savings, or even alternative solutions? Investment and investment vehicles: discover the trends to watch this year.
Bank books, stock market support, retirement savings: where to invest your money in 2023?
Regulated savings accounts
Guaranteed capital, funds accessible at any time and without delay, tax-exempt interest: thanks to these advantages, regulated savings accounts are traditionally popular with savers. These supports also have the particularity of following inflation . In a context of sharp price increases, their interest rate had been revised upwards on August 1, 2022. It was again revalued on February 1, 2023, rising from 2 to 3% for the Livret A and the Livret de sustainable and inclusive development ( LDDS ).
Even if this rate does not fully compensate for that of inflation, estimated at 6% over one year in January 2023, ( 1 ) the Livret A and the LDDS remain very attractive supports. They can be interesting for adding to your precautionary savings .
Life insurance
Is life insurance one of the mediums where to invest your money in 2023? Flexible and tax-advantaged , ( 2 ) this product remains, like tax-free savings accounts, one of the key tools for seeking to grow your investments. The money is paid into a life insurance contract with a view to medium or long-term investment . The funds can, for example, be used to finance personal projects or to prepare for retirement.
For a balanced investment, you can choose to invest in both euro funds and units of account. You will have the possibility to manage your investments yourself or to opt for a life insurance contract managed under mandate .
By choosing a discretionary management formula, you delegate the selection of your investment vehicles and arbitrage transactions to specialists.
Stocks and bonds
The economic situation during the year 2022, marked by geopolitical tensions and a still existing influence of the Covid, led to a disturbance in the prices of companies listed on the stock exchange .
The year 2023 could appear to be a good time to expand your equity portfolio: security prices are low, but should tend to stabilize and rebound in the medium term. As for the bond markets , analysts predict an improvement in rates over the coming months, while economic activity should slow down and inflationary pressure ease.
Whether investing in stocks or bonds, it is nevertheless necessary to be careful, especially if you are a beginner in the stock market . Depending on your investor profile, several choices are available to you, such as the management under mandate of your PEA (share savings plan) or your securities account.
Unlisted or private equity
Investing in the unlisted (or private equity, or capital investment) can allow you to enjoy a certain price stability, appreciable in a bearish context. Unaffected or unaffected by fluctuations in the financial markets , unlisted shares are generally less volatile than securities traded on the stock exchange.
Investment in private equity should preferably be approached with the objective of asset diversification. Despite its strengths, private equity is a risky investment : it is recommended that you be well informed about the securities you want and how unlisted markets work before investing.
Retirement savings (PER)
Retirement savings , and more specifically the retirement savings plan (PER) , is on the rise. According to figures communicated by the government, the outstanding PER reached nearly €70 billion as of June 30, 2022, ahead of the €50 billion forecast for the end of 2022.
In 2023, this support presents itself as one of the most favorable if you are looking to save for your retirement. The PER is a long-term investment product, invested in financial assets. It allows you to grow money during your working life to obtain the payment of capital or an annuity at the end of your career.
While preparing for your retirement, you benefit from a tax advantage: the amounts invested in the PER are deductible from taxable income, within the limit of a ceiling set by the authorities.
Rental real estate
Real estate is one of the best investments when it comes to investing money. ( 5 ) This will most certainly continue to be true in 2023. This year, you can, for example, go into rental investment .
Focusing on the purchase and rental of housing located in peripheral communities of large cities could constitute a relevant option. These areas are now sought after by tenants for their quiet living environment. In addition, the prices of goods are still moderate there. You will thus be likely to record a significant capital gain in the event of resale.
Another alternative, to invest in real estate simply and quickly: turn to stone and paper, by purchasing shares in a real estate investment company (SCPI) . You will be able to benefit from a return, without having to take charge of the tasks related to the management of the rentals yourself. ( 6 )
Investment in real estate supports does not include any performance guarantee or capital guarantee. The investor takes risks linked in particular to economic activity and variations in real estate markets.