Savings, real estate, tax exemption: where to start?

When one starts to take an interest in managing their money, advice comes out: "put your money on a life insurance policy", "buy an apartment", "open a PER to reduce taxes"... Result: we get lost in it quickly. Here is a simple method to start in the right order.

1. 🔒 Building a safety savings

Before any investment or tax optimization, it is essential to have a precautionary savings. How much to plan for? In general, 3 to 6 months of current expenses.

👉 Placed on an A-book or LDDS, this savings protects you from unforeseen events without exposing you to risk.

2. 📈 Clarify its heritage objectives

Investing only makes sense if you know why you do it:

Buy a main residence?

Preparing for your retirement?

Generate additional income?

Reduce your taxation?

Each goal requires a different strategy. A good investment for one can be a mistake for the other.

3. 🧱 Build a wealth (real estate or financial)

Once the precautionary savings are in place, one can think about investing:

Rental property: for income, security and bank leverage.

Financial investments: life insurance, PEA, PER... for their flexibility or tax advantages.

👉 Real estate is often favored for its stability and leverage, but requires more involvement.

4. 📉 Optimize your taxation intelligently

Tax exemption is never a starting strategy. It comes in support of a solid project, not as the main objective.

For example:

The LMNP allows to combine rental income and reduced taxation.

A PER or life insurance can lighten your tax according to your profile.

Some devices (Pinel, Girardin...) may be suitable, but must be used with caution.

In summary:

Start by protecting, then plan, then invest, and finally optimize.

Each step prepares for the next: it is useless to exempt from taxes if one does not have savings or a wealth vision.

Need tailor-made support? We can help you build a strategy tailored to your profile.