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At 30 or 60, entrepreneur or employee... Where to invest your money according to your profile?

2022-07-04T15:23:06.304Z

You don't save the same amounts in the same way depending on your age, income level and plans. What investments should be favored over the course of your life? What strategies to adopt? Answers with Alix de Renty, private banker and co-founder of The Ladies Bank by ODDO BHF.



Early career

From your first salaries, the good habit to adopt is to follow your budget to know the amount you have outside of your expenses.

"We dig into this envelope to finance our projects: next summer's holidays, maybe a car in three years and housing in five," explains Alix de Renty.

But where to put these savings?

“Return increases with risk.

However, we do not take any risk with the money we need within two years, underlines Alix de Renty.

Let's bet instead on the Livret A and LDDS booklets, capped at €22,950 and €12,000, with an interest rate of 1%.

The retirement savings plan (PER) is also a very good option, from the start of your career, because you benefit from tax advantages, and therefore immediate savings, on the money you place there.

Finally,

Read alsoTwenties and still uncovered: these young professionals who are not doing well

At 40

Meanwhile…

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Source: lefigaro

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