Jackpot. A Frenchman won yesterday, Tuesday, August 19, the tidy sum of 250 million euros at Euromillions. At the time he has passed the emotion, the lucky winner probably wonders what he will be able to offer himself, what amount he will give – or not – to his loved ones, but also how to invest this precious nest man. This last question, you may have already asked yourself. The objective of the maneuver is perilous, since it is necessary to make sure not to risk losing everything on a bad placement, while making the jackpot grow, so as not to spend everything and leave a part of it to its possible heirs. To find out which strategy to adopt in such a situation, we interviewed our experts to save you time following the next draw.
First of all, you must have in mind that when you receive such a sum, “We will no longer have to manage your money yourself. Companies specializing in wealth management (private or family-office, editor’s note) will manufacture products and a tailor-made strategy ”immediately states Vincent Grard, France director of Trade Republic. However, the fundamentals remain the same as for any investor: “You have to set a course: to define what you want to do with this money, what projects we want to lead, and the amount necessary to achieve it. It is only auspicious that we will be able to make an asset allocation in order to finance these projects ”explains Serge Harroch, Alpha Phi manager.
Risk -free investments already ensure a comfortable standard of living
Likewise, whatever the level of fortune, diversification will remain the key word: “Even with 250 million euros, it will necessarily have to diversify, have a part placed on secure supports (booklets, accounts, etc.), and an invested part”adds Vincent Grard. However, for the most prudent, such a starting bet can already ensure a good lifestyle by remaining only on risk -free investments: by placing 250 million euros at the current BCE rate (2%) on a “super booklet”, for example – whose payment ceilings can be unlimited – or on a monetary fund, very little risky, or even a remunerated current account, “We generate 410,000 euros in interest every month, or 290,000 euros net of tax (flat tax of 30%), and 3.6 million euros per year”calculates Vincent Grard.
It is therefore only if your daily needs or the cost of your projects require more money that you will have to turn to more risky investments. But there too, diversification will remain the key. Not putting all your eggs in the same basket will indeed be crucial to protect your capital while generating additional income. “The advantage, with such a financial surface, is that you will have access to all asset classes”Note Ronan Guesnerie, communications manager at Linxea.
Diversify as much as possible to be always a winner
We can thus imagine an asset allocation built as follows: 30% (75 million) on products that are not very risky and liquid, if necessary; 25% (62.5 million) invested in equity, the long -term asset class of assets – “With the widest possible diversification, if all geographies: United States, Europe, emerging countries, China, etc.”specifies Vincent Grard -; 20% (50 million) devoted to products reserved for the wealthiest investors: live investment in unlisted companies (private equity and private debt), in infrastructure funds (transport networks, wind or solar parks, data centers, etc.); 20% in real estate, with the purchase of live goods, or via “club deals”, collective purchasing operations dedicated to the wealthy; And finally 5% (12.5 million) for more atypical investments, which are not always those who report the most, but who can respond to a passion: arts, wines, luxury cars, jewelry, racing horses, etc.
Suffice to say of a word, with such a level of fortune, a well -diverse allowance should allow you to live very comfortably, even if part of your investments are losing. So, “The subject will no longer be so much if you will have enough to live well, but rather how to transmit effectively”Pointe Marc Tempelman, co-founder of Fintech Cashbee. Also, it will become crucial to surround yourself well, “To avoid people who will seek to get your money out”he adds. Advice that also applies to “Building inheritance and tax strategies that will protect the capital acquired”, underlines Ronan Guesnerie. With particular attention to the cost of this service, because with such a fortune, the amount of costs taken by intermediaries can also quickly fly: to pay 1% of costs out of 10 million euros amounts to being charged by 100,000 euros!
