While the salary has just fallen and the interest rate of the livret A is still so low, the question arises: where to effectively invest your savings? With its online placement system, Mon Petit Placement offers an interesting solution.
Your parents have always told you: placing money on a booklet A or a PEL is the surest way not to lose money. The adage was still true a few years ago. However, inflation has risen sharply for several months (2.8% according to the latest INSEE statements) and despite its recent rise, the Livret A rate remains below this inflation rate (1% since February 1st).
In March 2022, placing money in your Livret A account is no longer a very good deal, because it makes you lose money. In this context, Mon Petit Placement offers an interesting alternative. This French company offers to place your money in dynamic life insurance.
Not only are the average returns observed in recent years much better (from 3 to 12% depending on the portfolio), but the money invested in these investments is not blocked: you can withdraw it at any time.
Mon Petit Placement allows you to invest money from 300 euros by programming a monthly payment of 100 euros (without commitment, so you can stop or resume payments whenever you want). This month, Mon Petit Placement is also offering a 30% discount on its fees during the first year thanks to the code NUMERAMA30. Here’s how the Mon Petit Placement offer works.
What is the point of placing your money in Mon Petit Placement portfolios?
The main advantage of Mon Petit Placement today comes from the performance of its various portfolios. Four types of investments are offered, from the most cautious to the most aggressive, depending on your appetite for risk. The voluntary portfolio is therefore the wisest, with a potential return of around 3% per year. The Intrepid portfolio is the most dynamic, with a potential return of 12% per year.
Returns that greatly exceed current inflation, although past performance is not indicative of future performance. It is important to remember that any investment involves risk.
The other advantage of investing your savings with Mon Petit Placement is that this service is non-binding. The money invested is always available. You can choose to release all or part of your money placed in the various supports of the French company. The return is therefore potentially more interesting than a booklet A and the money is not blocked.
Choose where to invest
Investing your money with Mon Petit Placement is simple and inexpensive. Everything happens online, through its website or mobile application. In a maximum of 10 minutes, the paperwork is completed and you can choose where you want to put your money.
You will choose the target return (depending on your investor profile), but Mon Petit Placement also offers to select the field of activity of the companies in which you will invest. Part of your portfolio can therefore finance certain sectors of the economy: climate, health, new technologies, solidarity… 7 areas are offered in all.
The financial products of Mon Petit Placement are based on life insurance. This means that returns may vary from month to month. However, Mon Petit Placement has a vested interest in the return of your investments, since it is only remunerated through the performance of your investments. Concretely: the company takes a commission only if your investment records a positive return… And nothing at all if it does not bring in anything.
Be accompanied when you want
An online service, Mon Petit Placement allows you to monitor the performance of your investments via its website or application. They both allow you to consult the performance of your investments in real time or to contact advisors via chat or telephone.
The application also allows you to pay money on your investment, but also to withdraw your investment at any time.
You can try the financial services of Mon Petit Placement without having to invest all your savings. You can start placing money from 300 euros, with a first monthly payment of 100 euros, which you can cut at any time, free of charge.
By registering with the code NUMERAMA30 you will even be entitled to a 30% rebate on commission fees the first year.
Is it the right time to invest?
This is a question that we inevitably ask ourselves in view of the news of recent days. The answer belongs only to specialists in financial matters. Mon Petit Placement is precisely authorized to answer this type of question.
In general, Mon Petit placement is intended as a medium/long-term investment solution. It’s not so much the context that matters as the fact of starting as early as possible, of investing little by little and above all regularly.
This is content created by freelance writers within the Humanoid xp entity. Numerama’s editorial team did not participate in its creation. We are committed to our readers to ensure that this content is interesting, qualitative and corresponds to their interests.