Succeeding in growing your savings owes nothing to chance.
If you want to see your woolen sock grow over the years, you need to adopt a clear strategy, with a long-term vision.
A good saver must know how to take risks, while maintaining a safe approach, by combining different products.
Here are the three golden rules for successful investing.
To diversify
It's a basic rule.
You have to know how to combine risky products with other safer ones to get a significant return and also protect yourself from hard knocks.
It is not useful, for example, to put his booklet A at the ceiling of 22,950 euros, without opening life insurance or investing in the stock market at the same time.
Read alsoBooklet A: what are the departments where we saved the most during the crisis
"The reverse is also true," notes Rodolphe Brunon, independent wealth manager.
It is always important to keep cash on hand.
If you need to change cars or carry out urgent work, you can withdraw money from your savings account.
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Invest gradually
You should save little by little.
There is no point in releasing, all at once, thousands of euros without ever touching them again.
It may be interesting to make regular transfers of the same amount to inflate your mattress as you go.
“Between inflation and the risks linked to the health crisis, it is preferable to smooth the risk over time, underlines Rodolphe Brunon.
On the stock market alone, the level is so high that it is better to invest in fits and starts over the year, rather than going with big shoes and then becoming disillusioned.
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Act according to your age
You cannot save in the same way depending on whether you are 25 or 55 years old.
When you are young, you can take maximum risks, which can pay off decades later.
Conversely, at a later age, you are supposed to reclaim the seeds you sowed years before.
“You don't create a legacy in retirement, on the contrary, you normally benefit from it, sums up Rodolphe Brunon.
You always have to have a long-term view.
The longer the time, the greater the risk can be.
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