By my races last weekend, I could not stand that orange out of ING. He was placed in the middle of the entrance and many people came to sign the famous orange book ING. How do they not understand that the 50 euros they are offered for subscription shall be paid by customers, ie them? How do they not know that the cost of the stand, the movement … is also paid by them? How do they not understand that only bad financial products need to be sold so aggressively? Do you know many products for which you pay to subscribe? It reminded me of the question of a reader, a few days ago, in a comment, asking in what order the books feed. Here is the order that I advise you to get the best return for your background carefully, or more broadly for any amount you wish to make short-term risk.
investment bank scholarship booklet épargne1. Livret d’Epargne Populaire (LEP). SMP provides the best performance now 4% net of taxes. You can submit a maximum of 7 700 euros but you must meet certain conditions to access: Do not be liable to pay income tax or not to pay over 722 euros in taxes in 2007, so your income 2006. You must close your LEP when you exceed the cap. You can open one LEP person at your bank and two per household tax. If you have access, complete up before putting your money safely elsewhere.
2. The Livret A (or Blue Book). He is truly the most popular book, since 46 million booklets A are open in France. It is distributed by La Banque Postale and Caisse d’Epargne. Crédit Mutuel issuing appelation under the Blue Book. You can open only one per person. His pay is 3% net of taxes per year since August 2007. You can submit a maximum of 15 300 euros. 1.7 million of these booklets are on the ceiling of deposits. Do the same if you can, before moving on to the following books.
3. Livret de Développement Durable (LDD). Formerly called CODEVI pays you this booklet as the livret A, 3% net of taxes. His ceiling for deposits is lower at 6 000. That’s why you prefer to place your first motes on the Livret A. You can have one person or 2 for a couple. It is distributed by the conventional banking network. A booklet and a LDD combined allow you to place 21 300 euros per person without risk.
4. Super-books. The online banks and the banking network have invented the super-libretto booklet to counter A. In fact if you are entitled to SMP, but you have already accumulated 7700 15300 6000 = 29 000 placed on the short term if you are alone! It is enough for most people. It is recommended that 3 to 6 months of expenses on your background carefully. To take the money from the book A, the super-books should pay better than 3% net. These books do not. This is understandable given their advertising costs. After the first 3 or 6 months, and removed taxes on capital gains, the net rate you get is always lower than the books mentioned above! These super-books are therefore valid only in two cases: either you do not want the money for 3 to 6 months, and enjoy the promotional rate, or you have other full books, and you can then fun to spend an offer to another. You can actually take your money whenever you want to put on the new best offer of the moment. The proposed caps are much higher than other books.
Investments in these books should only be made for an amount that you want available now and does not lose its value with inflation. If you have a life insurance contract of more than 8 years, his background in euros should tell you more after tax than those books. It is therefore essential to take time in life insurance and sign a contract as soon as possible. On your side, in what order you do your investments on your various books and why?