Investing on the stock market, okay, but what is the best time to get started? Volatility of the markets, brutal corrections, economic uncertainty … Difficult to know when to enter. In order not to be mistaken, the best strategy sometimes remains not to choose at all, but to smooth your investments. This is all the interest of scheduled payments, according to experts from the “major savings meeting” (capital / radio heritage).
“Customers who have set up an automatic programmed payment do not have to ask questions in the correction periods, as currently”explains to start Olivier Maltete, director of investments at Yomoni. With this strategy, investors are indeed buying regularly, whatever the level of the market. Which can be particularly interesting when the markets run out of steam: “This allows you to invest all the time, including during periods of decline, to lower your overall entry price on the market”, he continues.
Above all, do not cut its scheduled payments during Krach
But be careful not to interrupt this mechanics in case of turbulence: “If you have savings always available, you should not be afraid and withdraw your programmed payment, otherwise you lose your interest, which is precisely to invest in market hollow moments”warns our guest. Same story with Guillaume Berthiaux, president of Sofidy Private Management, who sees in the scheduled payments “The best advice to go to the markets with belt and suspenders”.
According to him, this strategy is particularly suitable for cautious savers, which have only small sums to place regularly, but also to those who have a more substantial heritage: “For example, for an investor who has 50,000 euros to place, it is often preferable not to invest everything at once, but to smooth investment over six to ten months. This allows the risk to be distributed and smooth market effects. ”
Ask our experts to our experts
A question about your investments, a succession, your taxes or your real estate investments? Each month, we select several and submit them to our experts who will enlighten you on all the subjects that affect your money. To ask them your questions, an address: question@capital.fr
Invest on the stock market at the right time on the most efficient ETFs with Trackers, the capital investment letter dedicated to ETF, in partnership with Francebourse. By opting for an annual subscription, benefit from a sharp reduction on the price of the subscription. And take advantage of our launch offer.
