Young adults having time ahead of them, investing by taking risks can make sense, provided that you only devote a small part of their savings.
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bitcoin, Ethereum but also Polkadot, Avalanche, Cardano: cryptocurrencies make the generation Z dream more than booklet A. “Some prospects want to become millionaires in three months with cryptocurrencies. We explain to them that it will not happen” , Lance blunt Stéphane Van Huffel, Managing Director of the platform for Netinvestment Placement Solutions.
“But either you should not demonize cryptocurrencies: if you are interested, that you devote time to it, it is not a bad idea to invest a small fraction (10 % maximum) of your savings “To avoid disappointments, it is essential to focus on thirty actors registered with the Autorité des Marchés Financiers as” service providers on digital assets “, such as Bitpanda, Coinhouse, Stackinsat.
But traditional investments also have their place in the bag of young adults. The booklet A (paid to 1 %, net of income tax and social security contributions up to 22,950 euros deposited), of course, sometimes opened by parents from birth. But also the youth booklet (reserved for 12-25 year olds), which makes it possible to place up to 1,600 euros at a rate freely set by the bank, which cannot be lower than that of the A. BNP Paribas, LCL, Société Générale but 1.25 % at Crédit Coopératif.
As for the housing savings plan (PEL), it only reports 1 % gross for products open since mid -2016 – subscribing today therefore does not constitute a priority for young adults. The popular savings book (LEP), with its rate at 2.20 %, remains, on the other hand, the first reflex to have, provided that you no longer be attached to the tax household of its parents.
The interest of taking Date
For the long term, we can also bet, from 18 years old, on the equity savings plan (PEA), to invest in European shares live or through funds. When you are still attached to the parental tax household, you have to open a young PEA, operating in the same mode but whose ceiling amounts to 20,000 euros instead of 150,000 euros.
“PEA as life insurance requires waiting for several years to benefit from an advantageous taxation. It is therefore necessary to open them as soon as possible to take a date, even if it means paying only a small sum,” said Grégory Guermonprez, Director of Fortuneo Banque, whose two envelopes are accessible with an entry ticket of only 100 euros.
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