On February 1, the Livret A rate will increase to 1%. A news that is not so advantageous for your savings. To make your savings grow, it is more interesting to turn to Mon Petit Placement. Especially since the fintech company allows you to place money from 300 euros by programming monthly payments of 100 euros
It had not increased for 10 years. The Livret A rate will soon rise to 1%, against 0.5% currently. And if it remains the preferred investment of French men and women, mainly because of its age, it is not the best solution to grow your savings.
With inflation rising to 2.8% in 2021 in France (source Insee, December 2021), leaving your savings dormant on a savings account mechanically leads to a loss of purchasing power. But all is not lost, because there are solutions to increase your savings, and Mon Petit Placement is one of the most interesting.
The French company places your money in much more profitable life insurance than a classic booklet. You can opt for fairly cautious investments, or on the contrary more offensive investments. Even better, you benefit from a 30% discount on the costs of Mon Petit Placement during the first year thanks to the code NUMERAMA30.
Accessible investments
Mon Petit Placement offers its customers 4 types of investments, each time with average rates higher than the inflation rate in France. In 2021, the average return of all portfolios was 12.3%. If past performance is not indicative of future performance, this means that your savings are earning you money in the event of a positive return. It is important to remember that any investment involves risk.
The most prudent investment offered by Mon Petit Placement has posted an average return of 3% per year in recent years. A portfolio offering an average return of 5% per year, as well as more ambitious savings with an average return of 8% per year are also available. Finally, the most offensive investment draws an average of 12% return per year. The latter logically exposes you to more risks.
With regard to its remuneration, Mon Petit Placement charges a commission on performance. In practice, a small amount is recovered by the company only if your investment shows a positive return.
Your savings at your fingertips
This is probably the real advantage of Mon Petit Placement: its entirely online service. The fintech company relieves you of the usual banking burdens such as consultations with your banker, the inertia of administrative procedures or the vagueness that hovers over the activity of your savings.
Mon Petit Placement accompanies you as soon as you register with a questionnaire that will determine your investor profile. The company will then tell you which type of wallet best suits your goals. Its service is accessible both on computer and on the official application (available on iOS and Android). You can view the performance of your investments in real time or contact advisors via chat or phone. It is of course possible to deposit money or withdraw it at leisure. Contrary to popular belief, the money placed in life insurance is not blocked.
Thanks to the code NUMERAMA30, you can also take advantage of a 30% discount on the commissions charged on the performance of your investment during the first year.
Choose where you invest
The savings you entrust to Mon Petit Placement are invested in high-end portfolios from financial institutions such as JP Morgan or Lazard. However, you have the possibility of indicating to Mon Petit Placement the field of activity of the companies in which you want to invest part of your portfolio: climate, health, new technologies, solidarity, etc.
As a reminder, life insurance has nothing to do with insurance. It is an investment medium with advantageous taxation accessible to all budgets and all savings, even the most modest.
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.