After 10 years of stagnating, the passbook A rate is finally increasing… to go from 0.5 to 1%. A peccadillo with regard to inflation, which increased by 2.8% last year. In order to boost your savings, however, there are companies like Mon Petit Placement that offer investments at rates of up to 12%. We will explain everything to you.
In terms of savings, the French often tend to turn to the Livret A, a product known to all, well anchored in everyday life, and which has proven its worth. If its revaluation at the beginning of February is excellent news (its rate had not changed since 2012), the weakness of its rate of return, only 1%, does not make it a thunderbolt. All the more so in view of inflation which, for its part, does not hesitate to increase each year (2.8% in 2021 according to the latest figures from INSEE).
And if the Livret A remains a safe product, without risk for your savings, this disparity between its rate and inflation does not give it a good return. Ultimately, leaving your money to sleep on a Livret A even makes you lose purchasing power. In order to fight against this phenomenon, companies have decided to take up the subject in order to offer accessible and more profitable alternatives. Companies like Mon Petit Placement, which intends to democratize investments in life insurance.
Offering several levels of risk, a wide range of investments, and a very affordable basic investment (from 300 euros), this fintech company is positioned as a good alternative to traditional savings. Discover without delay the advantages of Mon Petit Placement, and save 30% on its costs for one year thanks to the discount code FRANDROID30.
Simplified procedures accessible to all
The world of investment can seem difficult to understand for neophytes. The advantage of Mon Petit Placement is that the service takes care of everything for you. It diversifies your investment, by placing it on a multitude of buoyant products. It is by not putting all your eggs in one basket that you expose yourself to the least risk.
At the heart of Mon Petit Placement’s offer is life insurance, a product relatively unknown to the general public, which still suffers from many preconceived ideas (the main one being that it is a product reserved for the wealthiest or the elderly). In reality, life insurance is an extremely versatile investment, accessible to the greatest number, and above all, much more interesting than a booklet A. And that’s what this fintech, which has already attracted thousands of French people, is trying to democratize .
To do this, Mon Petit Placement has developed a simple offer. By investing from 300 euros when opening your account, and by paying 100 euros each month (it is however possible to cut this payment at any time free of charge), you will be able to access 4 types of investment portfolios. They are more or less risky, and therefore more or less lucrative (between 3 and 12% depending on the profile). Mon Petit Placement takes care of all the transactions for you, advises you, and helps you manage your investment with complete transparency and peace of mind. On the cost side, know that you will not have to pay anything when creating your portfolio, nor in the event of closure. Mon Petit Placement is remunerated exclusively on performance, and only charges fees if your investment generates a profit.
Invest serenely thanks to personalized investments
In order to support you as best as possible in your investment, and to offer you an investment that best suits you, Mon Petit Placement submits a (short) questionnaire to you upon registration, which allows it to better understand your project. Enough to allow the fintech to establish your investor profile, based on your reactions to the rise or fall of the market, and your expectations. You will then be directed to one of the four constituent products of its offer, from the most conservative to the most daring, and your funds will be invested accordingly. However, you remain in control of your investment, and can modify and optimize your portfolio at any time.
In order to personalize your savings a little more, Mon Petit Placement also allows you to choose the areas in which you wish to invest your money. An option that allows you to invest your money in companies in accordance with your vision of the world or your convictions. It’s up to you to choose whether you want to focus on the climate, health, new technologies or recovery and employment.
Mon Petit Placement usually entrusts investments to renowned financial institutions such as Lazard or JP Morgan, which have solid expertise. He also works with insurers like Generali to best protect your interests. However, it is important to remember that every investment involves risk. The results announced by Mon Petit Placement are based on the past performance of its products. There is therefore no guarantee that these performances will be the same in the years to come.
Monitor and manage your investments at any time
As we have already underlined, Mon Petit Placement is a player that positions itself on the margins of the traditional banking system. Here, no meeting with a banker or obscure reports on your savings. Mon Petit Placement relies on transparency and gives you control over your savings thanks to 100% online management.
Whether via your browser or the mobile application (available on iOS and Android), you can view the return on your investments in real time. You can also, very simply, converse with an advisor by phone or chat to get the answer to any of your questions. The application also allows you to pay money on your investment, but also to redeem shares to recover cash.
By using the code FRANDROID30 when you register for Mon Petit Placement, you will be able to obtain a 30% reduction for one year on the commissions charged by the fintech.