Savings, investment: where to place your money in 2025?

What investments should be bet in 2025? In an uncertain political and economic context, the guests of the “major savings meeting” (capital / radio heritage) review the main trends of 2025 for your money, and explore the strategies to adopt to make your heritage grow .

Capital video: The big savings meeting: where to place your money in 2025?

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This is the crucial question posed by savers and investors at the start of the year: where should you place your money this year? The time is indeed for good resolutions, new projects, and the adjustment of its investments. But at the beginning of 2025, the response appears all the less obvious since the year promises to be perilous: declining yields on safe investments, decrease in the rates of real estate credits that is long overdue, maintenance of geopolitical tensions, return from Donald Trump in the White House … In this context, it can be very difficult to see clearly. And yet, there is no shortage of opportunities!

First evidence of this beginning of the year: risk -free investments (booklets, term accounts, etc.) report less. From February 1, the yields of regulated booklets (booklet A, LEP, LDDS) are for example revised downwards, with a passage from 3% to 2.4% for the A. In question: the slowdown of the ‘Inflation, and, consequently, the drop in guiding rates started by the European Central Bank (ECB) in 2024, and which will continue this year.

Not everything is lost for the most prudent savers

However, for the most prudent savers, everything is not lost: “Today, we can still hope Between 2% and 4.5% Performance on guaranteed capital products (booklets, life insurance in euros funds, editor’s note), enough to beat inflation without problem ”recalls Amélie Ziegelmeyer, Director General Private Management at Laplace. In addition, who says drop in savings compensation also says drop in real estate credits’ rates. An opportunity for those who wish to invest in stone this year: “A drop from a mortgage rate point is a gain of 10% borrowing capacity”, Points the first guest of the “Great Savings Rendez-vous” (Capital / Radio Patrimoine).

On the other hand, if you are looking for a profitability greater than that offered by risk -free savings, “This will require more risks, in the financial markets, for example, or to have a longer investment time”admits Amélie Ziegelmeyer. And that’s good, because there are interesting perspectives. First on obligations: “Today, very safe signatures as 10 -year -old American bonds report almost 5%”confirms Alexandre Baradez, financial market analyst at IG France and second guest of our program.

Europe smiles more to equity investors

On the other hand, with regard to actions, it is better to look at this side of the Atlantic: “American actions have grown very high in the past two years and are paid today very expensive”explains Alexandre Baradez, which encourages rather to look on the side of European companies, much cheaper, and whose courses could start on the rise: “Low growth in the euro zone, in particular in Germany, and Donald Trump’s policy will undoubtedly force the European authorities to react, and to stimulate our economy”Alexandre Baradez analysis.

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The responses of experts in the “Your Questions, our answers” section

In the last part of our program and the sequence “your questions, our answers”, our experts tell you everything. Clarisse Josse, notary in Paris, enlightens a reader who wants to return to a donation, or a grandfather who wishes to bequeath her financial portfolio to her grandson without going through the parents. Family conflict on the agenda also for Amélie Ziegelmeyer: she responds to a reader who wants her grandchildren to benefit from life insurance without their parents being able to touch it. Finally, we will decide between PEL or life insurance to find out what investment is the most effective in bequeathing its nephews, following the question of a capital reader. Do not hesitate to send us yours to: [email protected]