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Three good reasons to invest in financial products

You have a small capital to invest to build an estate, or want to save regularly on a range of products offering a nice profitability ? Invest on the financial

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Three good reasons to invest in financial products

You have a small capital to invest to build an estate, or want to save regularly on a range of products offering a nice profitability ? Invest on the financial markets is a good option.

You just celebrated your thirty years, have passed the quarantine or are to fifteen years of retirement... no matter What your age, investing on financial markets is a good way to build capital. This strategy responds to several objectives : to ensure you an additional income, you build up a capital to convey or enhance your tax system.

however, whatever your choice, you need to accept, in the short term, variations in the upward as well as downward. Because on the financial markets, there is a perfect correlation between yield and risk : least your capital is guaranteed, the more your profitability will be strong. Also, depending on the degree of risk you are willing to take, your hope of winning will be higher or lower. These are three good reasons to cross the cape and to invest in financial products.

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1. A multitude of investment opportunities

Invest on the financial markets is to buy listed securities, shares or obligations, direct or via funds or Sicav, managed by professionals. Before making this purchase, you must purchase a financial product designed to receive your securities or units of the fund. There are mainly four, each of these envelopes to meet a specific purpose and with strengths and limitations of its own.

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• The financial product, the broadest and most open is the securities account. It can be opened with all the financial institutions or with an online broker and allows to place all the titles listed that you want.

• If you are looking to optimize your taxation, and provided they invest mainly in equities or equity funds in the euro area, prefer it to the PEA (Plan d'epargne en Actions) or the PEA-PME (which allows you to invest in securities of smaller companies). Because, with this placement, you'll get an optimal tax system on capital gains at the end of five years, provided they do not make any withdrawal during this time.

• life insurance in units of account is another way to invest on the financial markets. But according to the contract that you open, you will not necessarily have access to all securities and funds in the market. In effect, each insurer decides which media (securities, funds, shares of REITS...) to which the subscribers have access to in each contract. Some offer hundreds of funds managed by all the finance companies, other do not allow the investor to invest on less than a dozen funds.

• Last possibility : opt for the all-new PER (retirement savings Plan) in which your savings will be blocked until you do assert your rights. It lets you invest in funds managed by professionals, according to a degree of risk and investment horizon.

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2. A lower ticket entry

You can access the financial markets with low amounts of savings ; virtually all financial institutions (banks, insurers, online brokers) offer to open a financial product with a few hundred euros. They can then purchase a "subscription savings" to invest regularly and automatically small amounts. You will dial as well as a heritage, without your effort savings will be too heavy.

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3. An optimal tax system

Since the election of Emmanuel Macron, the revenues of financial investments take advantage of an optimal tax system. First, they are taken out of the taxable basis in the itis (income tax on the real estate asset), which is not levied more than real estate investments. Then, they are subjected to, each year, levy one-time lump sum (PFU) of 30%, consisting of 12.8% of income tax and 17.2% in social security taxes. Taxation lightened, very interesting if you are a taxpayer imposed beyond the first tranche of the schedule.

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Practice >> check out the attractive of SCPIS in partnership with Corum

If you are not taxable, you may opt for the regime of common law, which allows you to pay for, in this case, only 17.2% of social security taxes on the gains withdrawn from your financial investments. That is to say : this taxation on income (dividends, interests, coupons etc.) do not apply to purchases of securities and funds carried out in some envelopes tax (PEA, life insurance,...), which are subject to their own rules of taxation.

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