Passbooks, shares, life insurance, bitcoin: what investments at 18?

Bitcoin, ethereum but also polkadot, avalanche, cardano: cryptocurrencies make generation Z dream more than Livret A. “Some prospects want to become millionaires in three months with cryptocurrencies. We explain to them that it will not happen”, launches bluntly Stéphane van Huffel, managing director of the Netinvestment investment solutions platform.

“But you shouldn’t demonize cryptocurrencies either: if you’re interested in it, if you devote time to it, it’s not a bad idea to invest a small fraction (10% maximum) of your savings in it. » To avoid disappointments, it is essential to focus on the thirty or so players registered with the Autorité des marchés financiers as “digital asset service providers”, such as Bitpanda, Coinhouse, StackinSat.

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But traditional investments also have their place in the wallet of young adults. The Livret A (remunerated at 1%, net of income tax and social security contributions up to 22,950 euros deposited), of course, sometimes opened by parents from birth. But also the Livret Jeunes (reserved for 12-25 year olds), which allows you to invest up to 1,600 euros at a rate freely set by the bank, which cannot be lower than that of the Livret A. It thus pays 1% at BNP Paribas, LCL, Société Générale but 1.25% at Crédit Coopératif.

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As for the housing savings plan (PEL), it only yields 1% gross for products opened since mid-2016 – subscribing today is therefore not a priority for young adults. The People’s Savings Booklet (LEP), with its rate of 2.20%, remains, on the other hand, the first reflex to have, provided that it is no longer attached to the tax household of one’s parents.

The interest of setting a date

For the long term, you can also bet, from the age of 18, on the equity savings plan (PEA), to invest in European equities directly or through funds. When you are still attached to the parental tax household, you must open a PEA Jeunes, operating in the same way but with a ceiling of 20,000 euros instead of 150,000 euros.

“PEA like life insurance require you to wait several years to benefit from advantageous taxation. It is therefore necessary to open them as soon as possible to set a date, even if it means paying only a small sum”, believes Grégory Guermonprez, director of Fortuneo Banque, whose two envelopes are accessible with an entry ticket of only 100 euros.

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