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Initially, it is clear that your primary objective will be to invest in a profitable business . But to know how much to invest, everything will depend on the amount of your investment envelope !
Do you want to invest a few hundred euros? The stock market , investment in royalties or crowdlending will be your best allies. Do you have 10,000 euros to invest ? Favor business angel clubs . Depending on your objectives and your appetite for risk (any investment presents a risk of partial or total loss of your investment), the amount of your financial investment will vary.
Investing part of your money in a business also has attractive tax advantages , including a tax reduction in certain cases. Particularly if you invest in a company that was not listed at its creation, under certain conditions:
Buying company shares allows you to diversify your asset portfolio , alongside stock market investments, bonds,real estate investment, etc. This ensures you certain profitability alongside a moral investment in a company with projects.
How to invest in a business?
There are several ways to become a shareholder in a company and thus gain a foothold in a real economy that is still too underestimated.
The Stock Exchange
Investing in a company on the stock market remains the most popular method. Become a shareholderthanks to the Stock Exchangethus presents several advantages, but also some disadvantages. Thus, using the services of online brokers allows you to acquire shares on these financial markets, with the possibility of delegating this selection of securities to a professional.
The operations are carried out in real time while investors will have the opportunity to acquire shares in many companies, French or international. Finally, the payment of dividends made by certain companies according to their performance allows to increase its capital.
On the other hand, be careful: Bouse obliges, the value of the securities fluctuates daily , which highlights the possibility of losing your invested capital. In addition, the capital gains made when you sell your securities are taxed, and placing orders is not free. Overall, investing in the stock market also requires a certain knowledge of how it works , and responsiveness!
Stock picking is the action of selecting stocks on the stock market to buy them. As we have seen previously, this is not an innate practice, quite the contrary! You will need to study the stock market in detail to void losing your bets and investing fruitlessly.
In the family of UCITS (Undertakings for Collective Investment in Transferable Securities), I ask for FCPs! Just like their cousins the SICAVs (Variable Capital Investment Companies), an FCP is a joint ownership of assets. There are several types:
FCPR : Risk Mutual Funds, invested for a minimum of 50% of the securities of unlisted companies; Exemption from taxes if the funds are blocked for a minimum of five years.
FPCI : Professional Capital Investment Funds, intended for professionals and required to respect risk division ratios.
FCPI : Common Investment Funds in Innovation, invested for at least 70% of the shares of companies in innovative sectors. With a five-year retention period, you get a reduction in income tax set at 18% of the amount invested.
FCIMT : Common Investment Funds on Futures Markets, with unlisted shares and a very high risk.
FCPE : Company Mutual Funds, which concern the employees of a company. Can be diversified (with a set of values) or employee shareholding (more than a third of the company’s shares).
The FIPs :Local Investment Fund, accessible if an FCPR invested in unlisted securities of a company under certain conditions.
So, what are the advantages of investing in FCP? The spearhead is investment management, which is delegated to a professional . Secondly, the diversification of invested assets , with access to certain international securities that would be out of reach for an individual.
Be careful though: management fees and taxation on capital gains made will also be expenses that should not be overlooked. In addition, a minimum investment is generally imposed in FCPs, so be careful when choosing yours.
Investing in an online business is possible: crowdfunding , or participatory financing , allows start-ups and SMEs to raise funds to carry out a project by developing it. Several types of participatory financing exist for investing: