This is the time to make a large household to wake up the money sleeping.
it is far the time where to manage its availability was simple and cost-effective ! In the early 2000s, the Libretto Has reported 3%. There are still ten years, with the crisis of confidence between the banks, the rate of the Booklet Has been risen to 4% from August 2008 to January 2009. There was even a time, in the early 1990s, where one could place their money in the keeping available in the short term, with better yields than in the blocking in of other risk-free assets in the longer term such as life insurance where the government loans !
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today, it is the opposite. To invest its available funds in short-term, preserves more of their purchasing power. Under pressure from the ECB, the interbank rate is negative since June 2014. The banks are being subsidized by the ECB lending, and penalized if they keep up too much deposits. They have passed these penalties on to their customers, by generalizing the account maintenance fees in the bank network.Your support is essential. Subscribe for $ 1 support Us
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Streamline its current accounts
in the Face of this hostility towards safe investments and available, investors need to redouble their agility to better manage their investments without the risk. Distinguish between investments and the risk-free assets is a good start. It is unthinkable to take a risk of loss or unavailability with the money that we keep for the expenses of the daily, or in case of hard blows and unexpected. This security reserve, often valued at a few months of income, depending on the situation more or less predictable of each, must be invested in risk-free assets and available in the short term, as the Booklet A.
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But all investment without risk does not need to be available from one day to the next day. It is therefore important to differentiate between these investment horizons, and the household in its investments that are sleeping.
take inventory of the money that is asleep and close her accounts almost inactive superfluous can already get a vision for centralized availability. And especially leaks through which these savings decline to the drip, each subtraction from account maintenance fees. Save 24 € annual fees for an account that is useless is the equivalent of 24 € that you would be placing 3 200 € on a Libretto by A. Attention, a lot of banks find it hard to accept leaving because they increase their rates. It is necessary to address his specific instructions to close an account, with his signature, and recommended, to have a basis of claim in front of their inertia.
Distinguish "short term" and "risk-free"
institutional investors - pension funds or insurance companies - have the obligation to grow their money to fund their future commitments, and the discipline saves. They can't afford, like us, let the money sit in bank deposits or in short-term investments losing too much purchasing power.
You can take this investment discipline to maximize its investments without risk. After having closed its superfluous accounts, we will assess the amount that it is reasonable to keep really available. For many people, this does not exceed the ceiling of booklet A (22 950 €) and LDDS (12 000 €). Taxpayers with modest have also interest to open a livret d'épargne populaire (LEP). Only 13% of the French have, while 40% would be eligible. Its performance is 1.25% net per year exceeds that of the life insurance in euros, even if it is capped at 7 700 euros of payments.
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beyond that, it is better to avoid the passbook accounts of banks, have fallen for the most 0.1% before tax. Even if they do not dream, the term accounts car manufacturers are better paid. Renault offers an account Pepito over three years, with a progressive rate of 0.8% (annualized) in the first quarter, up to 2.75% in the past three months, or an average rate of 1.5% over three years, before taxes.
Take the date with the best contracts
But the euro funds of the life insurance remains in effect the best response to the needs of savings without the risk of the French, provided to focus the best contracts. This is not a short-term investment, and have to wait eight years to withdraw money with a reduced taxation may seem like a long time. But these eight years from the opening of the contract, hence the importance of having opened a few years ago to "take date", as say the advisors. As soon as their contracts have more than eight years, the subscriber can place money for a few months or a few years, by removing the gains without tax penalties, as soon as they need it. Some contracts reactants on the Internet that promise to recover money from a withdrawal in less than three days. Also, it can take up to a few weeks.
If you have a life insurance policy is poor or bad, that opened years ago in a bank or in an insurer that neglects the yield because it is no longer highlighted, it is absolutely necessary to open another contract of more modern and cost-effective, m&cisrc;me with a small amount, that we will nurture over time, such as by a system of communicating vessels. Empty its bad old contract to put the money on a new contract could be penalizing if the share of benefits exceeded 4 600 € in the year, or 9 200 € for a couple. Beyond this threshold, the gains are undergoing a 7.5% additional tax, even up to 12.8% for open contracts from the September 27, 2017 by subscribers with more than 150 000 € life insurance.
On the other hand, it is very easy to decide that from now on, the surplus to be placed in the security will go into the fund in euro of new contracts with better salaries. The best have yet been reported between 2% and 3% in 2017. While in case of need, it will remove money old life insurance less profitable. A lot of the old contracts of the banks reported that just over 1% last year, some saw their performance drop to 0.75% before social security taxes, substantially less than the Book A.
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