Summer often rhymes with “idleness”, a well -deserved break after a trying year. But is it very prudent to completely lose sight of your investments for a few days or weeks? Last summer, the world scholarships had experienced a mini crash in early August due to the sudden liquidation of “Carry Trade”, (the Tokyo Stock Exchange had lost more than 12%), it was therefore better not to have completely cut with financial news!
In addition to the potential summer surprises, the period is also conducive to a mid-year point on its investments, and to rebalancing when they are necessary, in particular with the drop in the rate of book A on August 1 in sight. “December 31, June 30 … These are natural balance sheet dates, but we must watch continuously where we are, and check the magic triptych: management horizon, risk appetite, and diversification, on which any good management is based”recalls Benoist Lombard, president of Maison Laplace, and guest of the “Great Savings Rendez-vous”. The summer approach is therefore the ideal time to check if its wallet is still well aligned with its profile and its objectives.
The time for the balance sheet and the adjustments, if necessary only!
For François Dossou, director of action management at Sienna Gestion, also guest of our program, “It is always useful to look at the counters, even if it does not mean that it is necessary to systematically adjust”. The objective is to assess whether its action portfolio is well balanced and protected before leaving on leave, even if it means redirecting part of its investments towards more defensive assets. But above all, “It is not because The rate of the booklet has decreased that we must throw yourself on the actions ”, alerts our guest. Better to remain consistent with its objectives and its investment horizon: “No need to go to equity markets if you know you will need this medium -term money”he adds.
For those who really want to cut, Benoist Lombard advises to rely on suitable tools: “Why not consider management controlled or under mandate?” Who better than a professional to react in case of upheavals this summer? ” Enough to leave more serenely, without being nailed to its portfolio tracking applications. “Why not, too, consider taking options, such as a” stop loss “”advises François Dossou, to avoid a tumble of your actions in the heart of the summer.
Your questions, our answers
In the section “Your questions, our answers”, our experts answer your questions: “Does the place of writing the will have an impact on taxation?”,, “How to protect my property from my husband’s children from a first marriage?”,, “Regarding the tax deduction of the PER, can we use the ceiling of a dependent child?” Send your questions to: [email protected] so that they are dealt with during a future issue of the “big savings meeting”.
