If you’ve ever wanted to invest your savings in a profitable investment, but the risk of losing your capital scares you, Mon Petit Placement may have a solution for you.
With a rate set at 3% since February 1 (the highest for 15 years), the Livret A is just starting to become interesting again. Secure, tax-free, and easy to open, it remains a safe bet for most French people who do not wish to embark on the adventure of the financial markets.
The Livret A is steeped in flaws and limitations, which make it an investment that is certainly risk-free, but far from being as profitable as it could be. In order to overcome this, and to offer a supplement to all those who wish to make the most of their capital without taking any risk, Mon Petit Placement is today launching a brand new product.
Available from today for only three months, ie until May 19, the Serenity Portfolio represents a godsend for prudent investors looking for a profitable product. Good news never comes alone, you can benefit from a 30% discount on Mon Petit Placement commissions for one year thanks to the code NUMERAMA30.
Serenity portfolio: what are the advantages of this addition to the Livret A?
With the Serenity Portfolio, Mon Petit Placement invites you to discover a secure product that shares many of the advantages of the traditional Livret A savings account, without being a passbook account or a deposit account. This is an investment designed to measure for Mon Petit Placement by one of its partners, and which has numerous guarantees, in particular in terms of the preservation of the capital invested.
By subscribing to the Serenity Portfolio, you are opting for a guaranteed capital investment over 5 years. Understand by this that, whatever happens, you do not risk losing your initial bet if you go through with your 5-year commitment. This is Mon Petit Placement’s desire to offer a reassuring and affordable product for as many people as possible.
Only prerequisite: make a minimum initial deposit of 1,000 euros. It should also be noted that, unlike a Livret A, no regular or one-off payment is possible on this investment. Only your initial deposit counts, therefore. In return, you benefit from a guaranteed annual remuneration with a gross return of 3.2%, i.e. 0.2 points more than what the Livret A book currently offers.
The Serenity Portfolio has two other significant advantages if you have a little money to invest at the moment. To start, it does not have a ceiling. So you can deposit as much money as you want on it during your down payment and let it work for the next five years. Then, the gains generated by this portfolio can be withdrawn each year. A good solution for those who want an annual pension.
Who is the new financial product offered by Mon Petit Placement aimed at?
Behind the creation of the Serenity Portfolio hides a desire on the part of Mon Petit Placement to offer an accessible, profitable and above all, risk-free product. So many characteristics that make it attractive for a wide variety of profiles. More specifically, you might be interested if:
- You want to invest your money without taking any risk: Mon Petit Placement guarantees the capital invested if you maintain it for five years. At the end of this period, you will therefore recover your initial bet no matter what;
- You are looking for a more attractive product than Livret A: with its guaranteed gross return of 3.2%, the Serenity Portfolio is more profitable than a traditional Livret A savings account, the rate of which is currently set at 3% (but which changes with inflation);
- You have already reached the limit of your booklets: Unlike the Livret A, the Serenity Portfolio does not have a ceiling. You can therefore invest more than 22,950 euros in it (provided you have this amount, of course).
If you ever find yourself in one of these profiles, know that the Serenity Portfolio is a product offered temporarily by Mon Petit Placement, until May 19th.
Simplicity and speed: how to launch your investment with Mon Petit Placement?
One of the major advantages of Mon Petit Placement undoubtedly lies in its simplicity: from registration to managing your portfolio, everything is extremely fluid. There is no need here for tedious interviews with an advisor or to fill out a ton of paperwork since everything happens online.
This simplicity is also based on the Mon Petit Placement application, available on android And iOS. Thanks to it, you can monitor your investments, add or withdraw money from your capital, or even contact an advisor (by chat or telephone) to answer any of your questions.
To start investing with Mon Petit Placement, and take advantage of the Serenity Portfolio, for example, all you have to do is:
Finally, note that currently, Mon Petit Placement offers you savings of 30% on its commissions (deducted according to the performance of your investment) for an entire year. To take advantage of it, you just have to use the code NUMERAMA30 when you register.
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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.