Alix de Renty. “To build an investment strategy, you must first ask yourself: what are my life projects?

Madame Figaro . – When you start, where to start?
Alix de Renty. – I recommend making a general inventory, which should be updated every year; how much money do you have in your accounts, passport, borrower’s insurance, social security, any life insurance? What is the value of your property if you own it? Then subtract your fixed expenses from your income (babysitting, school, rent, shopping, vacations, etc.). Savings remain. You received a donation, a bonus, any account balance. All the mentioned amounts make up your investment capacity. If you don’t fit into any of these scenarios but are paying off your mortgage, don’t panic. it’s already an investment.

How to build an investment strategy?
This means asking the question: What are my projects? Should I be saving extra income for my retirement? Plan the financing of children’s education? Do I want to feel free to go part-time or start my own business at 45 or 50? Then I will need additional income in a more or less short time. I’m going to keep some of my savings so I can invest in them regularly for the first time (livret A and LDD with 3% guaranteed returns currently) and then remain a good option even if they do. fully compensate for inflation) and install the other part (after which I can profit). Investing is a riskier strategy that is implemented over time. you have to wait at least five years, often eight, to reap the benefits. Hence the importance of starting early.

Are there mandatory contributions?
It all depends on the profiles. Depending on your plans, use liquid assets that can be quickly resold (shares in listed companies, investments in a listed fund, etc.). Or bet on illiquid assets, that is, those that cannot be sold quickly and whose exit date you do not precisely control, which explains their better returns; private equity most of the time; purchase of securities in a friend’s or relative’s company; real estate investment. Ideal for diversifying everything by changing the investment horizon, returns vs risk etc.

I advise my clients to initially trust management under a mandate to give themselves time to learn.

Alix de Rentie

Capital gains from investments private equity or are subject to shares flat floor 30%, which reduces their attractiveness…
That’s why there are two solutions. you can invest through a capitalizing tax envelope such as a PEA or through life insurance. The first is set at 150,000 euros, but it is already interesting. And after five years, if you withdraw money from this PEA, you only pay social security contributions (currently 17.2%) on the capital gains, not the familiar 30%. Life insurance allows you to withdraw money at any time. You will be taxed only on the portion of this withdrawal that corresponds to the total capital gain. So, if I invested €9,000 in life insurance and got €1,000 in return, this €1,000 is 10% of the whole value (€10,000). If I withdraw €2,000, I will only be taxed on the income portion of this amount, i.e. €200 (and not €1,000). In addition, €4,600 per person (ie €9,200 per couple) can be deducted from annual income from the eighth year onwards. So you can withdraw up to €9,200 worth of goods tax-free. This makes it a good investment vehicle in the long run.

Can we go alone?
This can be very stressful, risky and time-consuming… After establishing an investment strategy with my clients, I advise them to initially trust management under a mandate to give themselves time to learn. A good manager makes the investments for you according to your specifications (buy European stocks, green, etc.) and he reports to you. This involves paying a total fee of approximately 1% of the amount deposited.

How to choose the right interlocutor?
I think it’s a matter of meeting, hence the idea of ​​making an appointment with several bankers… The best interlocutor is undoubtedly the one who listens to you, monitors your situation, and whose answers are always clear to everyone. …

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Masterclass Business Madame Figaro in the video. “Investing can be learned”