Many tools can help you manage your investments, do not hesitate to use them. They are useful in countering large falls, for example by setting a maximum loss percentage below which your securities are automatically sold. This is the stop loss. Set your level of acceptable loss relative to the maximum value reached by funds or securities since you have held them rather than relative to their purchase value. You can also regularly secure the capital gains of your units of account on the euro fund of your contract or, conversely, invest the gains of your choices. You can have the best choices with Evergreen Wealth Formula 2.0 review now.
Funds in euros
On risky media. Also beware of the distortion of your allowance. Have you wagered 70% of your assets on the secure euro fund and the balance on equity vehicles? After a few years of rising stock markets, your allocation will have become distorted and you will be much more exposed to equity risk. Options allow you to regularly rebalance the bar.
Booklets: do not forget the rule of the fortnight
Booklets
Earning little, be careful not to lose fifteen interests. Indeed, the sums paid into a passbook do not start to bear fruit until the 1st or 16th of the month. However, the amounts withdrawn are taken into account from the 1st or 16th preceding their withdrawal. Better to wait for the 1st or 16th for withdrawals and, conversely, to pay before the 1st or 16th of the month. If you close a booklet to open another, for example to juggle promotions, it is better to make a transfer while keeping the minimum amount on the medium to be closed. Indeed, some establishments can take very long to close a booklet, causing you to lose precious fortnights of interest.
Uncover hidden costs
Before selecting a choice, be sure to check its fee structure. In addition to management fees, some houses charge outperformance and / or movement commissions annually. Read the prospectus before subscription to avoid disappointments, by referring to the table detailing the costs. Over the last financial year, the most demanding fund,
RP Mid Cap Selection, took 7.53% from the fund’s assets, including 3.77% in the outperformance commission, the latter triggering as soon as the support generates more than 10% of gain over the year. Some Sicavs also charge exit fees on resale.
Life insurance Play the clock
If you want to recover the money placed on your life insurance, it is better to opt, initially, for a partial rather than full surrender. Leave the minimum required by the general conditions of your contract, at least until the payment of the return for the year. Why? Because in this way you will be sure to benefit from the full return served, in proportion to the time spent in the contract. Conversely, in the event of a total redemption, you will often only benefit from the minimum guaranteed rate at the start of the year, which can cause you to lose two-thirds of the annual return.
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