Invest €20,000 : Smart ways to earn more

Given the wide range of opportunities available, making the sum of 20,000 euros work for you requires a considered approach. Between stock market shares, property, savings products, etc., drawing up a well-balanced plan is crucial. In this article, explore the different investment avenues and strategies for maximising returns and minimising risk.

Diversification, a way of reducing investment risk

As the saying goes: “it’s better not to put all your eggs in one basket”, diversification is an essential protective investment strategy. Different types of assets react differently to economic cycles. In addition to the various forms of investment available, you can also explore fun activities such as the online casinos offered at https://revuecasinos.com. These are a good alternative for earning extra income while having fun.

In addition, there are many options for making a €20,000 capital sum profitable. By committing your savings to different activities, you can strike a balance between the expected return and the acceptable level of risk.

Taking out a euro fund life insurance policy

To guarantee the security and stability of your investment, euro fund life insurance is a good alternative. This type of investment carries no risk of loss and generates interest that is permanently acquired in addition to the initial capital. What’s more, all the funds remain available to the policyholder at all times, whether for partial or total withdrawal.

This type of investment also offers peace of mind in terms of inheritance. In the event of the policyholder’s death, his or her next of kin will be taken care of financially. The return on this savings product differs from one institution to another and fluctuates over the years. To choose the policy that suits your situation and meets your needs, it is advisable to contact a specialist agent or broker.

Investing in property

Investing in real estate through an SCPI (société civile de placement immobilier) is possible for as little as €20,000. It involves buying shares in a company with the aim of receiving income when the company realises capital gains.

Its main advantage is that there are no constraints on property management. This investment is profitable and offers stable returns, provided that the investor chooses his company carefully on the basis of a number of criteria.

In recent years, property crowdfunding has become increasingly attractive because it is more accessible financially. The principle is to place funds on a crowdfunding platform to finance a property project. As with an SCPI, the investor receives a share of the profits, without becoming the owner of the property. However, property crowdfunding is subject to risks relating to technical feasibility, marketing and the creditworthiness of the project owner. So you need to analyse the profitability carefully before taking the plunge.

Opting to invest in cryptocurrencies

Cryptocurrency trading involves exchanging euros for cryptoassets, expecting them to rise in value and selling them on dedicated platforms to realise a capital gain. To date, Bitcoin and Ethereum remain the market leaders, both in terms of trading and investment.

Although cryptocurrencies offer the potential for high returns, you need to be particularly careful when it comes to volatility. Prices rise and fall unpredictably. To limit losses, the best practices to adopt are :

• Setting an investment budget ;
• Choosing a reliable trading platform;
• securing your account against piracy.

Investing funds on the stock market

Equity investing involves buying shares or other securities in listed companies in order to make a capital gain. Although it is one of the most profitable investments in the long term, the risk of loss is nevertheless something that should not be overlooked. Before embarking on this project, the investor’s profile needs to be determined first. This will enable you to understand your risk aversion and establish the right investment strategy.

Equity savings plans (PEAs), exchange traded funds (ETFs), mutual funds (FCPs) – there are many different types of asset. To make the best choice, investors need to review multiple criteria. Such an analysis may require the skills of a stockbroker.