Placement: How to invest the sale of its actions to finance your future projects?

In the “Great Savings Rendez-vous” (Capital / Radio Patrimoine), Géraldine Métifux, wealth management advisor, responds to a listener who wishes to reallor a large sum of money, in particular to finance the studies of her children and prepare for his retirement.

Capital video: How to place significant cash?

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Each month, the “big savings meeting” (capital / radio heritage) answers your questions in the “your questions, our answers” sequence. Our experts – notaries, taxpiens, heritage advisers – accompany you on all your money questions. Today, Guillaume, 47, wishes to invest intelligently a cash resulting from the sale of shares, to finance the studies of his children, prepare for his retirement and organize his transmission.

“Before embarking on long -term investments, we must respect a logic of” investment pyramid “”Recalls Géraldine Métifux, managerial partner at Alter Egale. It starts with a safety mattress, placed on liquid supports (booklets), even not very profitable. “This precautionary capital will be used to face an unexpected or finance a pleasure project.”

Caution on the financial markets this year

Then come the medium -term objectives, starting with higher education. Guillaume having two children aged 15 and 17, the first expenses are imminent. “It takes an average of 20,000 euros per year for a student, or around 200,000 euros for each of the two children over 10 years. Part of the cash flow will therefore be quickly mobilized ”notes our guest.

For the rest, the listener plans to invest in the long term, especially in the financial markets. But is that the right time? “I find the equity markets very optimistic currently, in particular international markets, even if the drop in the dollar can be an opportunity”observes Géraldine Métifux. Rather, she advises to delay: “Wait to spend the summer, that the geopolitical situation stabilizes, especially on the side of customs duties. “

Guillaume also wishes to build up additional income for his retirement, scheduled for twenty years. “You must first determine your life budget, which you consume monthly, and deduce your savings capacity», Offers the advisor. This will calculate the capital to be formed to complete the pension. His key advice: smooth investments over time, rather than place everything at once, in order to reduce the risk of investing at the wrong time.

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