However, cryptos, real estate: do not put all your eggs in the same basket!

While the stock markets strongly corrected in early 2025, so -called “diversification” assets attracted the attention of savers. In this new episode of the “Great Savings Rendez-vous” (Capital / Radio Patrimoine), our guests deliver their advice to integrate them into a heritage strategy.

Capital video: gold, cryptos, real estate: do not put all your eggs in the same basket

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“Do not put all your eggs in the same basket” : The famous adage of the conscientious investor regained his letters of nobility during the stock market crash launched by the announcements of Donald Trump on April 2. The time was indeed less hard to pass for investors who had diversified their positions in several geographic areas and various sectors.

But what applies to actions also applies to a complete financial heritage: holders of a little gold, bitcoin, unlits or real estate assets tend to collect shocks better than concentrated investors a single class of assets, such as actions. Should we then give these minority investments a greater place, because of their current performance (+26% for gold for 6 months)?

Gold and bitcoin make an eye to investors

“Why not, but you shouldn’t turn to anythingwarns Géraldine Métifux, managerial partner at Alter Egale, wealth management consultancy. These less traditional investments are also the playground for scams. ” In a classic heritage allowance, the diversification pocket must remain, according to our guest, limited to 5% of the portfolio at most. “These are assets that we hope to resell with added value, but which often do not produce yield. This must remain marginal, depending on its risk appetite and liquidity needs ”underlines Géraldine Métifux.

Same caution on the side of Souleymane-Jean Galadima, co-founder and managing director of Sapians: “Large asset managers generally devote 5% of their allowance to these alternative assets. They are most often used to boost the performance of the entire portfolio, but they certainly cannot be the pillars of a heritage, because of their great volatility. ” This applies to raw materials like gold – even if it steals from top to top – but also for Bitcoin. According to our guest, however, it remains important to have a little of this “Digital gold” portfolio “Because it is a booming active ingredient, not an inflationary, which fits into, and which is now presented as strategic by the American administration and certain major asset managers”.

There remains the category of more “atypical” investments, such as wine, forests, works of art, vintage cars … Why not include a zest in your diversification pocket, especially for tax motivations: “Allocate 1% or 2% to a pleasure investment, why not”, concedes Souleymane-Jean Galadima. Provided, always, to be wary of promises too beautiful to be true.

Your questions, our answers

In the section “Your questions, our answers”, our experts answer your questions: “How to find the notary in charge of an old succession?”,, “Where to place significant cash flow at the moment?”,, “Testament Holograph or donation between spouses: what solution is the most solid?” Send your questions to: [email protected] so that they are dealt with during a future issue of the “big savings meeting”.