Life insurance is a savings contract whose capital is available in the form of a life annuity or capital at the end of the contract. The sums paid by the insured are invested in different vehicles depending on their risk profile:
Euro funds: these funds guarantee capital security but offer modest returns.
Unit-linked funds: These carry more risk, but can also offer higher returns. They mainly include stocks, bonds and investment fund units.
Depending on the options chosen, life insurance can also be cfo email list used to pass on assets within a tax-advantaged framework.
Investing in the stock market involves buying financial securities, such as shares, in order to make a capital gain when reselling them or to receive dividends. The main advantages of investing in listed shares are:
Diversification: Investing in several companies allows you to spread risks and take advantage of opportunities offered by different sectors of activity.
Potential returns: Over the long term, stocks generally tend to offer higher returns than money market or bond investments.
However, it is important to be well informed about the companies in which you wish to invest and to regularly monitor market developments in order to control the risks inherent in this type of investment.
Stocks listed on the stock exchange
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