Faced with an economic context marked by a series of consecutive increases in the European Central Bank’s key interest rates, the opportunities to invest 100,000 euros without taking serious risks are renewed in 2024. After several years of historically low rates, this rise offers savers a range of attractive products, from regulated savings accounts to term accounts or euro funds. But then, how to choose? Which investment should be prioritized to protect one’s capital while obtaining a satisfactory return?
Bank savings accounts, once neglected, are now back in the spotlight with sometimes attractive rates, especially thanks to promotional offers. Additionally, the question of real estate through Real Estate Investment Companies (SCPI) raises a debate between security and market-related risks. Finally, for those who do not want to depart from capital-guaranteed products, options remain limited but essential to know; they help avoid unpleasant surprises without sacrificing profitability.
Through various secure investment options, it becomes necessary to acquire a detailed knowledge of available products to manage these 100,000 euros intelligently. Renowned platforms such as Linxea, Yomoni, or Nalo facilitate access to some of these instruments, offering management accessible to all profiles. In parallel, online banks like Boursorama, Hello Bank!, Fortuneo, or N26 and Revolut help energize the market by offering competitive alternatives. However, it is essential to understand the specific mechanisms of each option to maximize returns without taking unwarranted risks.
Regulated savings accounts: the safest investment for investing 100,000 euros risk-free in 2024
The Livret A remains the favorite investment of the French. More than 9 out of 10 holders own this savings product, whose simplicity, immediate availability of funds, and tax exemption still greatly appeal. The capital is guaranteed by the State, making it a safe haven for investing 100,000 euros without fear of loss.
Due to the recent rise in ECB rates, the Livret A rate is set at 3% and is guaranteed until January 1, 2025. Compared to an inflation forecast of around 2.5%, this investment thus maintains a positive real yield. It is therefore an ideal tool for precautionary savings, especially because funds remain available at any time.
The Sustainable and Solidarity Development Savings Account (LDDS) operates on the same principles and offers the same advantages as the Livret A, with an identical ceiling. There are also bank savings accounts with higher caps, such as the Distingo savings account from Hello Bank!, which offers a boosted remuneration at 4% for four months, then 3%. These bank savings accounts can be a good alternative to complement the Livret A.
Advantages of regulated and bank savings accounts:
- 💰 Full capital guarantee thanks to state guarantee
- 📈 Attractive rates in the current context
- ⚡ Full liquidity: funds available at any time
- 📜 Tax exemption (for regulated savings accounts)
Limitations to consider:
- 📉 Limited ceilings (€22,950 for Livret A and LDDS)
- ⚖️ Possible taxation on certain bank savings accounts (flat tax at 30%)
- 📊 Modest yields compared to some higher-risk investments
| Type of Savings Account 📋 | Rate in 2024 📈 | Ceiling (€) 💶 | Taxation 📜 |
|---|---|---|---|
| Livret A | 3 % | 22,950 | Tax-exempt |
| LDDS | 3 % | 12,000 | Tax-exempt |
| Distingo Savings Account (Hello Bank!) | 4 % (for 4 months), then 3 % | No cap | Taxed (flat tax) |
Platforms like Linxea or Yomoni offer to include these savings accounts in diversified portfolios to better manage the allocation between security and liquidity, always maintaining a horizon compatible with secure investments. This would be a logical step before considering investments with modest risks, as detailed in the following sections.
Term accounts: secure fixed investments with good returns in 2024
The term account (CAT) is another robust option for investing 100,000 euros without major risks, accepting to temporarily immobilize the funds. The bank remunerates you for the period you set between 3 months and 5 years, with a rate generally increasing with the duration.
In 2024, offers are particularly attractive thanks to rising rates. For example, Ramify offers a term account at 3.10% for a 12-month lock-in, and up to 3.38% for 36 months. This rate is fixed at the time of signing the contract and cannot fluctuate during the entire period.
Here are the key points to remember about term accounts:
- ⏳ Flexible duration: from a few months to several years
- 💵 Known and guaranteed rate at subscription
- 🔒 Funds blocked during the period (except for early withdrawal with possible penalties)
- 🛡️ Guarantee by the Deposit Guarantee and Resolution Fund (FGDR) up to €100,000 per person and bank
Advantages and precautions
The main advantage is the ability to capitalize on a fixed rate higher than that offered by regulated savings accounts. However, temporary illiquidity can be a drawback, especially if an urgent need for cash arises. This feature must therefore match your profile. Additionally, early withdrawal penalties may reduce the initial gain.
| Bank/Offer 🏦 | Proposed Rate 📊 | Duration (months) ⏰ | Ceiling (€) 💶 |
|---|---|---|---|
| Ramify | 3.10 % | 12 | No cap |
| Ramify | 3.38 % | 36 | No cap |
Term accounts are an effective complement to secure a portion of your 100,000 euros, especially if spread across different banks, which allows benefiting from multiple deposit guarantees. The term account is common among offers provided by online banks such as Boursorama, Hello Bank!, or Fortuneo.
Bank savings accounts: flexible remuneration for your 100,000 euros in 2024
Bank savings accounts have regained appeal thanks to rising rates, becoming credible alternatives to regulated savings accounts, especially regarding caps and remuneration. Some savings accounts now offer rates exceeding 3% or even up to 4% during promotional periods. This is the case with Hello Bank!’s Distingo savings account, which offers 4% for four months, then 3% afterward, with a special bonus of €80 under certain conditions.
Here are the advantages of bank savings accounts in this context:
- 💸 Often higher rates than Livret A or LDDS
- 📊 Frequent promotional offers to attract new clients
- ⚡ Immediate availability of funds
- 🆓 No or limited deposit caps
But taxation plays a significant role, as interest is subject to the flat tax of 30% (12.8% tax + 17.2% social contributions). This considerably impacts the net yield. In comparison, Livret A remains entirely tax-exempt.
| Bank Savings Account 💳 | Promotional Rate (%) 📈 | Ceiling (€) 💶 | Taxation ⚖️ |
|---|---|---|---|
| Distingo (Hello Bank!) | 4 % for 4 months then 3 % | No cap | Flat tax (30%) |
| Linxea Livret | Variable according to bank | Variable | Flat tax (30%) |
Online banks such as Fortuneo, Boursorama, or Mon Petit Placement also offer these types of products. Additionally, neobanks like N26 and Revolut sometimes have offers to place money with attractive remuneration, though it is necessary to check ceilings and conditions.
Focus on euro funds: a classic safe option in life insurance in 2024
Euro funds, present in life insurance contracts, represent an interesting solution for those who want to invest 100,000 euros without significant risk. These products guarantee the capital and pay a profit-sharing that tends to increase thanks to the rise in interest rates.
In 2024, the average yield of euro funds is estimated at around 2.5%, with some recent contracts like Bourso Vie offering up to 3.6% net of management fees, particularly thanks to a partial allocation in unit-linked funds.
- 🛡️ Capital guaranteed
- 📈 Moderate but regular returns
- 💼 Favorable tax treatment after 8 years (significant annual allowance)
- 🔄 Possibility to diversify with unit-linked funds for controlled risk
| Life insurance contract 📝 | Estimated yield 2024 (%) 📊 | Guarantee 💎 | Taxation ⚖️ |
|---|---|---|---|
| Bourso Vie (Boursorama) | 3.10 % net | Total | Allowance after 8 years |
| Linxea Avenir | 2.50 % on average | Total | Allowance after 8 years |
Platforms like Linxea, Nalo, or Yomoni simplify life insurance management, offering contracts with high-performance euro funds and diversification options. This type of investment, while not promising spectacular returns, remains a cornerstone of a secure investment strategy.
Structured products: secure part of your capital while aiming for higher returns
Structured products, also known as formula funds, are an interesting category for those wishing to achieve higher returns without fully exposing themselves to market risks.
These investments combine capital-guaranteed or partially capital-guaranteed placements with exposure to an index or a basket of stocks. In 2024, announced yields can fluctuate between 5% and 12% per year, under certain performance conditions.
- 🔐 Full or partial capital guarantee depending on the formulas
- 📊 Potentially high yields in favorable performance conditions
- ⚠️ Limited or partial loss risk if indices fall below certain thresholds
- ♻️ Long investment periods often up to 10 years
For example, the M Rendement 11 fund offers a fixed yield of 7.5% over a period between 1 and 10 years, with partial guarantee in case of moderate depreciation of the underlying indices.
| Structured product 🏦 | Announced yield (%) 📈 | Duration (years) ⏳ | Capital guarantee 💡 |
|---|---|---|---|
| Fonds M Rendement 11 | 7.5% fixed | 1 to 10 | Partial (up to -50% loss) |
These products, offered by specialized brokers and banks, can be integrated into a diversified allocation strategy. They remain accessible via platforms like Linxea while requiring a clear understanding of the underlying mechanisms.
Bond funds: a compromise between security and yield for 2024
Bond funds invest in a portfolio of debt securities issued by states or companies. In 2024, they generally show yields between 4% and 6%, higher than many savings accounts but lower than stocks.
The very nature of bonds, especially “investment grade” bonds issued by reputedly safe states, limits volatility. However, unlike savings accounts or euro funds, the invested capital is not strictly guaranteed, and the value of shares can fluctuate.
- 💼 Diversified exposure to debt securities
- ⚖️ Less volatile than stocks
- 💡 Higher yields than euro funds and savings accounts
- ⚠️ No absolute capital guarantee
| Type of bond fund 🎯 | Average yield 2024 (%) 📈 | Risk ⚠️ | Key feature 🗝️ |
|---|---|---|---|
| Sovereign bonds (investment grade) | 4% – 5% | Low | Unguaranteed but stable capital |
| High yield bonds | 5% – 6% | Moderate | Higher yield, increased risk |
It is advisable, to reduce risk, to favor well-diversified funds offered by reliable players like Yomoni or Nalo. These providers offer solutions adapted to different investor profiles, with particular attention to capital security.
Investing in SCPI: a secure real estate investment in transition in 2024
Real estate Investment Companies (SCPI) represent a way to access rental property through collective investment, with delegated management. This year 2024 is characterized by a complex period for the sector, impacted by rising interest rates exceeding 4% and a slowdown in demand.
Some major SCPI have suffered significant decreases in valuation, up to -17% for some. However, other recent structures, such as Iroko Zen or Remake Live, continue to offer returns above 7%, taking advantage of falling prices to build their portfolio at lower cost.
- 🏢 Access to real estate without direct management
- 📉 Share value sensitive to real estate fluctuations
- 📈 Interesting potential return (>7%) for some recent SCPI
- ⚠️ Attention to property quality and SCPI financial health
| SCPI 🔑 | Variation in share value 2023 – 2024 (%) 📉 | Estimated yield (%) 📊 | Comments 📝 |
|---|---|---|---|
| Rivoli Avenir Patrimoine | -12.42% | ≈5% | Old portfolio, decrease due to rates |
| Edissimo | -13.92% | ≈4.5% | Decreased valuation |
| Iroko Zen | Stable | 7% + | Recent SCPI, buying opportunities |
Investing via SCPI is therefore a viable option to diversify a portfolio without major risk extensions, provided you choose your management company carefully and analyze the potential for revaluation.
Knowing your priorities: how to steer the investment of 100,000 euros risk-free?
Before making a definitive choice, it is essential to clearly define what you mean by “risk-free.” Do you want an investment with capital guaranteed? Or are you willing to accept low volatility for a slightly higher return?
Here is a list to clarify your options according to your profile:
- 💎 Zero risk: Livret A, LDDS, euro funds, term accounts
- 📈 Moderate risk: structured products, bond funds, recent SCPI
- 🧩 Diversification: mix products to balance profitability and security
Platforms like Linxea, Yomoni, and Nalo offer online tools to adjust your portfolio based on these criteria. As for online banks such as Boursorama, Hello Bank! or Fortuneo, they offer both risk-free investments and more dynamic envelopes.
It is also wise to educate oneself about the differences between direct investment and freedom in investments. These concepts influence the flexibility of your capital and the tax options to consider.
To deepen your understanding, consider consulting specialized articles on direct investment vs freedom or placements offered by Malakoff Humanis to better understand the strategies to adopt based on your personal situation.
| Type of Investment 🎯 | Risk 💥 | Liquidity 🚰 | Estimated profitability (%) 💹 |
|---|---|---|---|
| Livret A / LDDS | Low | Full | 3 % |
| Euro funds | Low | Moderate | 2.5 % |
| Term account | Very low | Low | 3.10 % – 3.38 % |
| Structured products | Moderate | Low | 5 % – 12 % |
| SCPI | Moderate | Moderate | 5 % – 7 % |
For more targeted advice, consider reading additional resources on the regulation of financial investments as well as on mastering specific costs like those related to auto insurance via replacing and repairing windshields.
FAQ on secure investment of 100,000 euros in 2024
- ❓ Can you lose money with a Livret A?
No, Livret A is a capital-guaranteed investment by the State, risk-free. - ❓ Which investments should be preferred based on my investment horizon?
For a short-term horizon, favor liquidity with Livret A or bank savings accounts. For a longer horizon, structured products or SCPI can be considered with more attractive yields. - ❓ Are euro funds still worthwhile?
Yes, with rising rates, their average return increases and the security of capital makes them a solid option. - ❓ What portion of my investment can I allocate to moderate-risk products?
A balanced diversification between zero risk and moderate risk is recommended, typically 70 to 80% in secure placements and 20 to 30% in more dynamic products. - ❓ Are SCPI suitable for all investors?
Not necessarily; one must understand the fluctuations of the real estate market and choose solid SCPI with modern properties.
Entraîne-toi avec nos Quiz de révision
Fini les lectures passives. Pour retenir les notions clés du BTS Assurance, teste-toi ! Inscris-toi pour recevoir 1 quiz par jour directement dans ta boîte mail.
