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.
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