As we know, the French are generally rather cautious when it comes to entrusting their savings and placing their money on financial investments. As a result, the preferred investments of the French are rather at a controlled risk, even if things evolve a little, because of the rebound of the financial markets since 2012 and the emergence of new forms of savings, innovative and profitable.

  • The typical profile of the saver in France

  • And the favorite investments of the French in 2015 are …

  • Why not crowdfunding?

 

The typical profile of the saver in France

The typical profile of the saver in France

The French are known to be rather pessimistic. In terms of savings, this translates into a certain cautiousness in terms of risk taking. After stock market shocks in recent years (internet bubble, subprime crisis …), the number of savers who were trading on the stock market fell sharply: by the end of 2014, according to Sofres, 6.9% of French people over 15 years of age held shares. online, half as much as at the end of 2008. Today, with the recovery of the markets since 2012, the brokerage activity is starting again, but timidly, and concentrated on certain profiles (senior executives, over 35 …) .

French investors therefore prefer investments to guaranteed capital, or at least to controlled risk.

Naturally, low-risk investments, such as the euro funds in life insurance

Naturally, low-risk investments, such as the euro funds in life insurance

However, it clearly has slowed collections on regulated savings bank (Livret A, LDD), which should further increase with lower pay rate.

In the end, by strongly limiting risk taking, the savings of the French today suffer from a yield deficit. Savers are beginning to consider taking a bit more risk to optimize the performance of their savings. This can be seen through the restart of unit-linked collections for life insurance contracts.

But other complementary solutions exist.

Why not crowdfunding?

Why not crowdfunding?

In the investments that yield, since 2014, there is also an alternative to traditional bank savings: crowdfunding.

If you have savings available, and you don’t need them, you can read to French companies to help them develop, in exchange for a rate of remuneration of up to 8.70% gross. We are talking about crowdlending or paying loans from individuals to companies.

In addition to being a profitable investment, you know where your money goes and you participate in the development of the local and real economy, those micro-SMEs that constitute the real local economy of France (99.8% of French companies!).