Placements: “How much to spare retirement each month with 1,300 euros available?”

In the “big savings meeting” (capital / radio heritage), Sarah Le Gouez, secretary general of the Circle of Epargne, advises an auditor on the amount he can reasonably spare each month according to his resources and expense.

Capital video: What amount can I save every month with my retirement and my additional income?

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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, Thierry, retired, receives 1,500 euros per month as well as a rent of 1,450 euros every quarter, or around 480 euros per month. His monthly expenses amount to 700 euros, and he wants to know how much he can put aside while keeping a good margin of safety.

For Sarah Le Gouez, secretary general of the Cercle de l’Epargne, Thierry’s situation is rather favorable to save serenely: “He still left 1,300 euros at the end of the month, to be distributed between savings and pleasure expenses. He could consider to save between 500 and 700 euros per month.»» The golden rule remains, according to her, diversification: “It has sufficient margin to diversify its investments. A part must remain on secure supports such as LEP or booklet A, but it can also consider a more dynamic allowance in the long term.»»

Sufficient savings to mix secure and dynamic investments

This more “dynamic” part of its savings can for example be made up of investments in the financial markets (in equity, bonds, ETF, etc.) via a securities account (CTO), a equity savings plan (PEA) or via account units (UC) of a life insurance. In conclusion, Thierry can build up regular savings while maintaining good budgetary flexibility. It is even possible for him to distribute his savings between secure investments and more risky, in order to hope for more yield. Everything will depend on his risk appetite and the projects he wishes to finance with his savings.

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