Investing in the stock market means participating in the financing of the real economy. Buying a company's share is like financing the development of that company: with your capital, the company will try to grow and create wealth that it can pay you for. However, success is not a certainty: it is possible that the company will fail to grow and that the value of your share will … [Read more...] about IS INVESTING RISKY?
The return on an investment depends on the type of investment Regulated savings accounts that guarantee your capital offer a return that is lower than inflation (1.1% in 2019 compared to 0.5% for the Livret A). As a result, you lose purchasing power. Over ten years, the annualised return on an investment in the Livret A is 1.24%. That of the Plan d'épargne logement (PEL) is … [Read more...] about HOW MUCH DOES INVESTING PAY?
What is life insurance? Life insurance is a savings product that allows you to make a variety of investments to grow your capital. Its popularity is explained by its multiple advantages. The advantages of life insurance Life insurance allows you to save without constraint, as the capital is not blocked. It is possible to make payments or withdrawals at any time. The … [Read more...] about LIFE INSURANCE: THE COMPLETE GUIDE
French people's savings invested through life insurance policies represent nearly €1,700 billion, or 30% of household financial assets. This success can be explained by the fact that life insurance combines a number of advantages: savings available at any time thanks to the redemption option, which allows savings to be recovered if necessary (for retirement in particular), … [Read more...] about LIFE INSURANCE: DRAFTING A SUITABLE AND FLEXIBLE BENEFICIARY CLAUSE 1/2
The National Bank of Belgium (NBB), the supervisory authority for the financial sector, is urging insurers and banks selling mortgage loans to be more cautious in granting mortgage loans with a high loan-to-value ratio. This is the value of the mortgage loan in relation to the value of the property. What does this mean in practice? How much can you borrow to buy a house? For … [Read more...] about HOW MUCH MORE CAN YOU BORROW TO BUY A HOUSE?