Different Types of Financial Investments. In the very broad universe of financial investments, several types of products are available to you. How to navigate? What are the main types of financial investments to which you are entitled?
Investments with guaranteed returns
This category includes above all regulated or unregulated passbooks, the interest of which is guaranteed by the banking establishment offering them. These investments with guaranteed returns include, among others, the sustainable development booklet, the popular savings account, the youth booklet as well as unregulated booklets such as super passbooks and passbook accounts, which correspond to short-term investments.
In another register, term accounts and deposits also offer attractive remuneration, on condition that they are kept until the end of their contractual term. Investments with guaranteed returns, over the longer term, also include savings plans, such as the PEL, the popular savings plan or PEP, the group retirement savings plan, and the popular retirement savings plan.
Investments with variable returns
Along with guaranteed investments, you have access to different types of media whose performance is indexed to a third party value, such as the index of a group of shares or fluctuations in the financial markets. This category includes in particular stock market investments: UCITS, including investment companies with variable capital, FCPs or mutual funds, and mutual funds.
Multi-device life insurance as well as the title account are also part of this family of financial investments. These products all require a minimum of understanding of the financial markets or the value to which they are affiliated if you are to take full advantage of their results.
Also, the help of a financial advisor is recommended to develop a viable investment portfolio with these supports, in order to find the appropriate financial investment calculation following an investment simulation.
Invest your Money
Do you have money set aside and want to invest it in a profitable investment? Follow the guide on how to choose the best investment for your money.
Choice of the investment horizon
The choice of the duration of an investment depends on several parameters, including your investment objectives and the level of risk you can tolerate. If, for example, you want to save for a real estate project, a long-term investment allows you to have substantial capital at the time of the realization of your project.
A long-term investment is also recommended if you tolerate a high level of risk: a long-term investment also gives the possibility of amortizing any underperformance of your investment.
Choice of investment medium
Several supports are available to you as part of a cash investment. Remuneration varies significantly from one medium to another but remains attractive. Support in the form of a savings account, for example, offers you guaranteed income, on condition that you accept the conditions imposed by the institution offering them (payment ceilings, withdrawal conditions, payment frequency, etc.).
Investments in financial securities promote significant returns, often well above the level of inflation. Note, however, that these capital gains are rarely guaranteed. They still depend on how you manage your investment, but also on certain factors inherent in the evolution of financial markets and the overall economic situation.
These investments can earn you a lot of money, just as they can eat up all your money. In all cases, get support from a financial investment advisor in developing your investment strategy and choosing your investment medium.