In a complex economic and financial context, the saver must invest with method and favor the supports adapted to a radically different environment.
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French savers have invested in mass insurance in account units since the beginning of the year: 41 % of the payments have been assigned to these unlike supports. But this figure could fall back like a soufflé, because the 2022 performance is likely to be very disappointing.
“In a long -term perspective, it is nevertheless important to diversify your contract because with the current level of inflation, the return of the fund in euros will not protect its capital from monetary erosion”, Pointe Stellane Cohen, president of Altaprofits. In addition, opportunities remain for investors ready to take some risk and wait a few years. Here is how to enter them.
investment
It is in market cuts that future performance are built, like to recall management professionals. In other words, you have to know how to take advantage of the decreases of actions to invest at cheap and take advantage of the rebound.
However, with the uncertainties that weigh on the economy, difficult to predict when it occurs. In this context, it is better to keep liquidity to place to take advantage of an excessive drop in the markets. Such behavior will be able to satisfy the addicts to financial news.
For others, a simple technique is to invest regularly and gradually. “You have to use an option available in most contracts to automatically smooth your investment, over 12 months for example,” recommends Thomas Delannoy, deputy director of ASAC-FAPES. bonds due
Meeschaert AM, Sunny AM, Edmond de Rothschild AM, Carmignac… there are no longer the management companies that have launched in recent weeks of maturity funds. The concept ? These funds have a lifespan limited in time. Their deadline is often between 2027 and 2028. When launching, managers bought obligations issued by companies. They keep them until their deadline and are reimbursed in the long term, just before the dissolution of the fund. Meanwhile, they perceive interest.
Current funds target companies issuing high -performance bonds. These companies, often of medium -sized and indebted size, offer very attractive remuneration. These funds target a performance of around 6 % to 8 % per year on average before debit of costs (from 1 % to 2 %).
The main risk: that one of the companies cannot honor the reimbursements of the bonds it has issued. “The remuneration currently offered seems very interesting to us in relation to the level of risk taken”, judges Alain Krief, head of bond management at Edmond de Rothschild am. In addition, managers select the strongest companies and they diversify their portfolios on many companies.
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