The dawn of the new year is approaching, and with it, the time to review your wealth strategy: should you leave the Livret A behind? How to identify the most profitable investments? What strategies should you favor to optimize your taxes in the long term? To support you in these major decisions at the start of the year, we have collected video analyzes from three savings specialists, who share here their projections and recommendations for 2026.
In this second part, we met Maud Caillaux, founder of Green-Got, a neo-bank launched in 2020 and focused on financing the ecological transition. An ideal angle of attack to talk about long-term investment, the performance of sustainable finance, and to enlighten savers who would like to give more meaning to their investments in 2026.
PER, star investment of 2026?
For Maud Caillaux, there is no doubt, if there is one savings product that will be talked about in 2026, it is the retirement savings plan (PER). Beyond its tax advantage, according to her, it answers the two big questions that the French are asking: “will I have a pension and in what world will I have this pension?”. What’s more, contrary to popular belief, there is no age for opening a PER: “You don’t have to wait until you’re 60, or retirement age, to take care of it. Starting early allows you to have as much savings as possible when you retire, thanks to the magic tool of compound interest (the fact that the interest earned itself generates interest, Editor’s note) in the long term.recalls the expert.
Does this mean that we should abandon short-term, risk-free investments, such as Livret A? For Maud Caillaux, these banking products should in fact only be used for your precautionary savings, but no more: “The booklets are made for when your washing machine breaks, not to prepare for your future. You need to have three to six months’ salary for emergencies, but for your financial future, this is not the tool you need. There is little yield, a ceiling… There are other tools to benefit from a long-term snowball effect.”
Green finance has nothing to be ashamed of its performance
In addition to the PER, we can for example, in this sense, think about life insurance. Provided, however, that they are not limited to funds in euros, guaranteed capital supports, which, like the Livret A, are risk-free: “Euro funds are a little too cushy to prepare for your financial future, we need to move towards things that are a little more dynamic and have a little more impact on the world around us and on our savings,” pleads the young entrepreneur. To do this, the neo-bank favors units of account (CU), but only if they have a positive environmental impact.
And it’s not about doing philanthropy or feeling good about yourself. According to Maud Caillaux, green finance has no reason to be ashamed of the performance it promises for your savings: “Investing today in companies engaged in the energy transition means financing the champions of tomorrow.” The expert supports: “This year, the S&P clean energy is performing 50%, compared to 15% against the classic S&P. In our opinion, there is a real opportunity to finance companies which, tomorrow, will have the largest market shares, and which will be massively sought after by consumers and governments.”
>> Our service – Compare the performance of retirement savings plans (PER) using our simulator
