What are the best long-term investments ?

Entrepreneurship can be a solution for people who want to earn extra income, but your chances of success are not 100%. However, did you know that there are other options ? Finance offers you several long-term investment options to optimize your assets. 

The stock exchange

While the stock market deters some people, it appeals to others. Among other things, it allows you to grow your capital. If you buy shares, for example, you get extra income (capital gains or dividends). But if you buy bonds, you get interest.

Beyond its purely financial advantages, the stock market enables you to:

• Diversify your investments (e.g. move from one stock to another)
• Take advantage of tax benefits 
• Invest within your means
• Recover your capital at any time

However, before you take the plunge and invest in the stock market, find out which assets or financial products are the most profitable. Don't forget to keep up to date on the latest news related to your investment.

Real estate

For a long time, real estate has been a good option for long-term investment. Property rarely depreciates, even during crises or in an uncertain economy. 

Real estate also has other advantages, especially if you rent it out. Indeed, rental property is an asset that you can buy with a loan. Many banks will grant you a mortgage for the purpose of renting the property.

Finally, unlike other investments, rental investment is less risky. You have the possibility of disposing of the property if you need to. Remember that this type of real estate even helps you prepare for your retirement.

Moving your investments

Before investing for the long term, find out what your responsibilities and opportunities are in order to skillfully manage your assets. Make sure to:

• Keep abreast of situations that may increase or decrease the value of your assets
• Regularly make an arbitration with regard to the profitability obtained on such or such investment.

Moving your investments gives you the opportunity to update them, for example by moving assets from one investment to another. You can do this with stock market investments and savings, etc. You can switch from the stock market to real estate - it’s up to you.

Savings

Savings are an investment classic and a great way to secure your future and optimize your assets with very low interest rates. You can choose between several kinds of savings plans.

The choice of a savings plan must take the following into account: your financial situation, the profitability of the investment (interest rates), tax advantages and liquidity. However, it’s important to view savings plans as a safety net as they don’t always offer the best returns.