Inflation obliges, the French and the French are struggling to put money aside. Worse ! When they get there, they often realize that the products they used to subscribe to are no longer sufficient to protect their wealth from rising consumer prices. Life insurance and the Livret A, however popular they may be, generally do not offer a high enough return. Does this mean that they should therefore be forgotten? Not necessarily: these two products also have other advantages and allow, for example, good diversification of savings. However, the economist Philippe Crevel reminds us in our columns, not putting all your eggs in one basket is one of the basic rules in terms of protection against risk.
In addition, it also happens that certain less profitable products allow the preparation of the cessation of activity, or even the retirement. More information about this in our slideshow, which you will find at the end of this article.
The capital withdrawal makes it possible to recover the total amount saved in one go. Sometimes, it is possible to sequence the receipt of the money, but it is not systematic. The annuity, for its part, constitutes a bet on death: in certain cases it makes it possible to receive more than the sum initially invested – when the beneficiary lives long enough. In the opposite case, on the other hand, the situation is less advantageous.
Moreover, you have to ask yourself about the tax impacts of an annuity or capital withdrawal before deciding. Everything will then depend on the savings product chosen.