Protection and performance
Financial savings
The best tax wrappers and financial assets to grow your savings
Financial savings a lever for your wealth
Well directed and optimized, financial savings can become a source of income: dividends, interest and capital gains on resale. They are rich and offer:
- 7 tax wrappers to structure your investments.
- 5 major families of financial assets to diversify your investments.
To fully benefit, it is essential to select each wrapper and each asset based on your taxation, risk profile and investment horizon.
Tax wrapper or financial asset in financial savings?
Both! Indeed, not all financial assets, listed and unlisted, are eligible for all tax wrappers. Inseparable or interdependent, they must be selected based on your financial and wealth objectives. They complement each other to guarantee you the best net-of-tax performance.
Financial savings in 7 tax wrappers
Defining the right fiscal envelopes is essential before investing your savings in financial assets. In some cases, it is also the asset that dictates the choice of envelope.
Life insurance
The most popular tax wrapper for growing your financial savings with tax advantages after 8 years.
Luxembourg life insurance
The premium version of life insurance with the triangle of security and access to exclusive funds.
Securities account
A flexible wrapper with no ceiling for investing in listed financial assets worldwide.
Capitalization contract
Similar to life insurance but transferable by donation, ideal for estate planning.
PEA & PEA-PME
Tax-advantaged wrappers dedicated to European equities with preferential taxation after 5 years.
Retirement savings plan (PER)
Deduct your contributions from your taxable income while building your retirement capital.
Regulated savings accounts
Livret A, LDDS, LEP — guaranteed capital and immediate availability but limited returns.
Life insurance
The most popular tax wrapper for growing your financial savings with tax advantages after 8 years.
Luxembourg life insurance
The premium version of life insurance with the triangle of security and access to exclusive funds.
Securities account
A flexible wrapper with no ceiling for investing in listed financial assets worldwide.
Capitalization contract
Similar to life insurance but transferable by donation, ideal for estate planning.
PEA & PEA-PME
Tax-advantaged wrappers dedicated to European equities with preferential taxation after 5 years.
Retirement savings plan (PER)
Deduct your contributions from your taxable income while building your retirement capital.
Regulated savings accounts
Livret A, LDDS, LEP — guaranteed capital and immediate availability but limited returns.
Choosing asset categories based on your profile is key. Selecting the best financial assets for each is too... with the right tax wrappers.
Combining yield and resilience
Private debt
Private debt allows investing in a fund that lends money to a company, outside of banks and stock markets. For the private investor, it's a rewarding investment with limited risks. The fund is often prioritized in case of default. Average yield is higher than bank loans: approximately 6% (unitranche debt) to 15% (mezzanine debt).
Available via life insurance, capitalization contract or direct investment.
Combining security and performance
Euro fund
A euro fund is a unit-linked vehicle with guaranteed capital. The financial savings invested are secured. Only management fees apply. A euro fund can be invested in several tax wrappers: life insurance (including Luxembourg) and PER. Composed mainly of bonds, the average return of a euro fund is limited but risk-free.
Choose from our selection of the best euro funds.
Mastering risk and duration
Target-date bond fund
A dated bond fund invests in debt securities with a predefined end date. The invested bonds are known and their maturity matches that of the dated bond fund. Its yield is also estimated in advance, knowing that the risk of capital loss exists in case of company default, but it is lower than for equities.
Invest via life insurance to diversify your financial savings.
Investing in value creation
Private equity
Private equity offers the possibility of investing in an unlisted company through a fund. The fund takes an equity stake and supports the company through a defined value creation strategy. If the average return is between 10% and 15%, the risk level is also high, with a holding period of about 10 years.
Invest via life insurance, capitalization contract or direct investment.
Combining customization and visibility
Structured product
A structured product, if capital-guaranteed at maturity, combines a bond and options linked to an underlying asset (equities, indices, etc.) for leverage. Tailor-made, it dynamizes your financial savings by offering a defined return/risk profile. The profitability, coverage level and maturity are known from the moment of investment in life insurance or PER.
Select based on your financial objectives.
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Beyond financial savings, these investments may interest you
In addition to financial savings, here are other investments or tax schemes for your wealth.
Girardin scheme
Reduce your taxes through the Girardin scheme. This mechanism allows you, as an individual or company, to reduce your taxation via a tax reduction exceeding the investment made, by financing industrial equipment, notably in overseas territories.
SCPI real estate
Diversify your investments by investing in a real estate investment trust (SCPI). Paper real estate offers the possibility of investing in property without having to buy or manage directly, as well as pooling risk within a varied portfolio.
Girardin scheme
Reduce your taxes through the Girardin scheme. This mechanism allows you, as an individual or company, to reduce your taxation via a tax reduction exceeding the investment made, by financing industrial equipment, notably in overseas territories.
SCPI real estate
Diversify your investments by investing in a real estate investment trust (SCPI). Paper real estate offers the possibility of investing in property without having to buy or manage directly, as well as pooling risk within a varied portfolio.
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Frequently asked questions about financial savings
Want to understand financial savings before investing? Here are the answers to your questions.
Financial savings represent the money set aside and invested in financial assets via a tax wrapper. It allows you to secure your future, finance your projects, prepare your retirement and pass on your estate. The main tax wrappers are life insurance, Luxembourg life insurance, securities accounts, capitalization contracts, PEA and PEA-PME, retirement savings plans (PER), and savings accounts.
It all depends on the tax wrapper or financial asset invested. Regulated savings accounts like Livret A are secure but offer limited returns. Conversely, shares bought via a PEA have high return and capital gain potential but are riskier. Your risk assessment is therefore essential for choosing tax wrappers and financial assets. Our wealth advisors will guide you!
It all depends on the tax wrapper chosen. Life insurance, Luxembourg life insurance, capitalization contracts, PEA and PEA-PME, and PER benefit from advantageous taxation under certain holding and ceiling conditions.
Make an appointment with one of our advisors to choose the best tax wrappers!
A precautionary financial savings for emergencies. Also called safety savings or emergency fund, it is placed in a regulated savings account to be immediately available while earning some interest. Medium-term savings come next to finance a project or lifestyle. Finally, long-term savings prepare your retirement and/or estate transmission.
The four main risks are:
- Capital loss risk, except for regulated savings accounts and euro funds.
- Liquidity risk for certain assets like equities, which may suffer from investor disinterest.
- Return risk, as returns are not always guaranteed.
- Counterparty risk corresponding to the default risk of the insurer, management company or account holder.
Generally, the higher the expected return, the higher the risks.
A certified wealth management advisor (CGP), supervised by regulators and insured. Beyond financial information available via official sites (Banque de France, AMF), being understood and supported through a tailor-made asset allocation is key. Our investment simulator is also a good starting point. You can also request a free, no-commitment wealth assessment.
Yes. Savings accounts like Livret A, CEL, PEL are also tax wrappers. But their management, remuneration, taxation and associated guarantees are regulated by the State, as well as their ceiling (limited) and ownership (one Livret A per person). These conditions are the same for everyone, with no possibility of leverage in terms of return. This is why Investisseur Privé does not offer them: they are merely an extension of your current account.