The Financial Markets Authority (AMF) on Monday called on investors to be vigilant around investments promising high guaranteed returns, close to or higher than inflation.
The idea that it is still possible to obtain guaranteed high returns, and even higher than inflation, remains widespread. Distrust, because the crooks are not far away!, writes the AMF in an update of its useful benchmarks on the returns on savings.
After recalling the rates of the Livret A and the Livret d’epargne populaire (LEP), respectively 2% and 4.6% since August 1, the AMF argues that any proposal for higher remuneration on an investment that would be guaranteed and available hides a risk… or a scam.
It is over the long term, ie ten years and more, that the AMF invites you to invest in the stock market. On several conditions: not needing the money invested for many years, being optimistic about economic growth in the coming years, diversifying well and investing regularly.
Historically, a diversified investment in shares over 15-20 years has provided an average return of 5 to 7% per year, continues the AMF, while recalling that neither the capital nor the return are guaranteed.
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Inflation in France, which accelerated in July to reach 6.1% over one year, the highest level since July 1985, encourages savers to track the most attractive remunerations in order to limit the impact of the price increase on the net return.