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Financial Investment Calculation and Investment Comparison

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Investment Comparison

Financial Investment Calculation and Investment Comparison. The banking market currently has dozens of financial investment offers, each as interesting as the next. How to choose among these proposals? A comparison, based on criteria chosen in advance, is essential.

The displayed yield

Yield is the main criterion for choosing a financial investment. Logic dictates that the higher the return on an investment, the more likely your investment is to perform. Be careful, however, not to give in to the first product that comes along which boasts staggering interest rates, premiums, and capital gains. These returns are often displayed net of charges.

Taxation and Charges

Each financial investment is subject to specific taxation. Regulated savings accounts, such as Livret A and LDD, are thus exempt from income tax, while bank savings products do not benefit from this privilege.

Knowing that taxes levied on profits can be significant, it is more than recommended to dwell on this criterion when comparing your investments. Likewise, charges – such as management fees, administration fees, and other transaction costs – deserve to be analyzed closely, to know the real performance of financial investment.

What about the investment period?

The investment period also influences the profitability of financial investment. The longer the contractual term of an investment, the more risks you are exposed to.

However, these risks are not detrimental: in the majority of cases, the consequences of these financial uncertainties are canceled out over time, thanks to the repetition of upward and downward movements on the financial markets. Whatever the result of the comparison, the financial investment chosen must be compatible with your investor profile.

Financial Investment Calculation

The return on a financial investment, whatever its nature, can be estimated as soon as the contract is taken out. In most cases, however, this assessment is not an exact calculation.

The interest of valuing a financial investment

Banks and insurance banking subsidiaries are used to highlighting the remuneration of their financial investments to recruit new investors or savers. However, these returns do not represent net investment income: tax charges and possible management fees are still not included in these purely commercial announcements.

Only a detailed analysis of each investment offer allows you to know its real performance and to have a first idea of ​​the capital gains you will achieve by subscribing to it.

The use of a savings or financial investment calculator is then more than necessary during this selection process. In just a few clicks, this tool provides you with reference information on the investment in question, in particular the interest generated after a certain number of years of ownership and after a particular amount invested. You are aware of the financial benefits of investing from the start, which is one way to minimize the risks associated with your investment.

Calculate the profitability of an investment

In the age of the Internet and everything connected, several banking establishments provide their customers with online savings calculators. These tools, free and easy to use, allow in a few clicks to have an overview of the profitability or otherwise of financial investment. Their configuration varies from one model to another.

However, their use remains more or less the same. All you have to do is enter the amount of your initial payment, then specify the total value of the capital you wish to invest – via periodic or free payments.

Hello, I have been working as an investment consultant and author for more than 20 years. I love what I do and I have enriched everyone around me. A lot of money is not important, the main thing is how you use the money.

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