Short-term savings
Short-term savings - or liquidity savings - supplement the cash you need for your day-to-day expenses.
It is ideal for small, unforeseeable expenses. This security mattress is very flexible, available but low-paidgenerally between 1 and 3% and subject to tax. Hence the importance ofleave the bare minimum (between 5 and 20% depending on the assets).
This is the family of bank passbooks: A, B, youth, sustainable development, popular savings, home savings accounts, etc.
Medium-term savings
Medium- to long-term savings, such as PEAs, life insurance, PEPs, capitalisation contracts, FIPs and FCPIs, with an investment horizon of between 4 and 8 years and over.
Over time, these savings will significantly enhance the value of your assets (yield between 3 and 10%) and benefits fromtax benefits various other benefits (tax exemption, reduction in income tax or wealth tax, exemption from inheritance tax, etc.).
Long-term savings
Long-term savings or retirement, where the investment horizon is the retirement or over 8 years.
Most of these are property investments, as well as intra- or extra-company retirement savings schemes, such as Madelin, PERP, PERCO, etc., which generally generate a life annuity once you retire.
Ourfinancial savings
Superbook and term account
Our cash investment solutions for short to medium terms
Crowfunding
Our cash investment solutions for short to medium terms
PEA
For an aggressive, tax-optimised investment in the stock markets
Life insurance
The Swiss Army Knife of savings: a wide range of products available, unique inheritance and interest tax treatment
Luxembourg life insurance
The alternative for even greater investment flexibility and savings protection for investors with a minimum of €200,000
Capitalisation contract
The ideal complement to life insurance for savers subject to wealth tax or wishing to pass on their wealth during their lifetime
Private equity - FIP-FCPI
To invest in unlisted companies with a high return objective within a favourable tax framework
Retirement Savings Plan (PER)
The solution for building up a supplementary pension partly financed by your taxes