Top 4 investments in 2022: what to invest in?
The world is changing fast, faster and faster. We are witnessing an explosion of innovation and disruption. The emergence of cryptocurrencies, the stunning progressive emergence of the metaverse will open up incredible opportunities.
For almost 15 years at netinvestment, we have strived to always provide you with access and enable you to enjoy not only the latest news and innovations in the investment and investment market, but also keep you up to date with changes so that you can also stay up to date with the latest developments and always be on the most effective wave.
It's for all these reasons that I'm excited to share with you in this guide the top 10 investments to focus on in 2022 and where to invest your money in 2022.
Are you ready? let's go!
If you need more information about the best investments on the market, you can contact a netinvestment consultant by clicking here.
1. Real Estate 3.0
Real estate yes, of course, of course, but not all real estate.
Traditional real estate, as you might mean, is currently undergoing profound changes.
Not only needs and expectations of tenants are changing, not only are square meters no longer used the way they were even two years ago, but, above all, a big wave of standardization of the French housing stock is approaching in terms of energy management.
We have indeed been warning you for several years and have tried to keep you informed about what is happening now: faced with an explosive rise in the cost of energy (eg +40% for gas in 2021) and environmental concerns, the government had no other choice except to make a law.
This is the Energy and Climate Law.
From January 2022, any facility with energy consumption over 330 kWh will be subject to mandatory repairs no later than 2028. If you're worried, you certainly have time, but tell yourself that the longer you wait, the higher the repair cost will be.
We've explained to you why buying a new property (for example, off-plan or selling off-plan) made sense and made it possible, in particular, to overcome this type of disappointment. Thanks to this energy and climate law, low-energy properties have just taken the lead in terms of attractiveness.
Invest in new property
for 0 euros per month
Property 3.0 is therefore a property that not only explicitly meets the obligations and limits of this law in terms of energy management, but also embraces and responds to the new expectations and needs of tenants.
Co-living: This is a trend that we are seeing more and more often.
This not only partially solves the problem of lack of housing, especially for young people, but also offers the owner a much more attractive rental income.
Of course, logistics and maintenance require more work, but overall productivity is higher.
Ground floors and houses with a garden: Gone are the days when no one wanted a basement (btw, I never figured out why...but hey).
Due to Covid-related lockdowns, the French have felt an unbridled need for fresh air, a need to breathe, a need for space and nature.
Thus, the prices for apartments located on the ground floor with a small garden have risen sharply. The same obviously applies to houses with gardens.
But real estate 3.0 is also about real estate. The major cities of France (and not only Paris…) reinvent themselves and create the city of tomorrow.
This city of tomorrow is closely connected: exchange and optimization of energy often generated by photovoltaic cells, waste management optimization, pollution sensors, managed and automated management of parking spaces.
Real Estate 3.0 cares about the well-being of its residents, as well as the planet.
Old Stone is always popular, but the rules of the game, and thus expectations, have changed a lot in the last two years, and the trend seems to be taking hold.
If you want to give yourself the best chance of success with your investment and register your real estate investment for the future and long term, the best advice I can give you is to get in touch with one of our investment specialists. estate.
It does not require additional costs and is very simple. Just contact us directly by phone 05.56.44.79.94 or leave your details by clicking here.
2. BIAU life insurance
BIAU Life Insurance is a concept invented by the eminent Stefan van Haffel (co-founder of netinvestment) that needs no introduction.
Indeed, we still see too often, to our great disappointment, that many life insurance contracts are opened in banks (in addition to savings accounts), very often in the "historic" bank of the client, and that these dust, missing opportunities and cycles that these contracts are simply not managed or, even worse, that they only consist of internal banking products that protect the interests of said bank more than those of the client .
BIAU life insurance is thus an effectively managed) life insurance, i.e. which lives, which develops, which is regulated in accordance with changes in the market and the economic situation and which does not remain to vegetate in anticipation, helpless, for her 8th birthday...
Thus, BIAU life insurance, in particular, consists of funds and instruments that develop and invest in key and promising industries, which I will discuss in detail below in Chapter 8 of this guide. .
Investing differently through life insurance also means investing in funds and instruments that benefit from ethical and moral labels such as SRI (socially responsible investment) or ESG (environmental and social governance) .
Miscellaneous investing through life insurance primarily ensures that products and support truly and objectively protect your interests.
For almost 15 years, we at netinvestment have set ourselves this goal: to shake off the dust and make money management accessible to as many people as possible. If you, too, want to finally give some spice and meaning to your money and invest in life insurance that is definitely up to date, nothing could be easier, just contact us here.
It is difficult, if not impossible, to ignore cryptocurrencies are increasingly becoming the subject of interest and debate among the French in terms of savings and investment. We started telling you about it in 2019.
In 2022, we can no longer reasonably talk about investments, and even more so about "best investments", if we are not talking about cryptocurrencies.
As a leading player in the sector, netinvestment has already discussed and studied this topic extensively and you will find many tutorials and videos about cryptocurrencies on the website or on our Youtube channel.
However, it seems obvious to me that your wealth and your investments should consist, at least a small part, of cryptocurrencies.
There are over 14,000 of them on the market and the number continues to grow.
Of course, not all of them are created equal, and I can't strongly recommend that you only focus on the main ones (Bitcoin, Ethereum, Ripple, Cardano, or Binance Coin).
Cryptocurrencies are a new class of decentralized digital assets that have been growing in popularity for several years.
We believe that cryptocurrencies will become part of the global financial revolution, they are accepted by more and more organizations and individuals around the world.
Be content with a tiny fraction of your assets invested in cryptocurrencies and remember the basics of investing: don't speculate, stick to the basics and keep your position for several years.
Cryptocurrencies, like any other asset class, are long-term investments.
Another important parameter when it comes to cryptocurrencies: invest only what you are willing to lose.
PRO TIP. I highly recommend training, learning and developing your brain to better understand the environment and the basics of what you are investing in. Fortunately, netinvestment has been working with you since 2010.
To go further and become a real expert in cryptocurrencies, I recommend this site: Formacrypto if you want to learn the world of cryptocurrencies competently, effectively and informatively.
4. Furnished rental
We too often tend to talk about investing in real estate as a big unified whole, as a whole.
However, there are many real estate, sectoral and geographic micro-markets. Indeed, the real estate market in Levallois-Perret cannot be compared, for example, with the market on the outskirts of Nantes. It's just not related.
Well, it's the same with a furnished home. Not everything can be rented out furnished.
To put it simply, you have three main sub-families in a large family of furnished rentals.
- A furnished apartment that you are going to rent and manage on your own next to your home.
- Service residences
First of all, this is just a small variation on the classic real estate investing as we all know it: I buy near my house (because it's definitely better than anywhere else...), put the furniture and rent it all out in a furnished year-round rental.
Benefit: easy to understand.
Disadvantage: I have to manage everything myself and I am exposed to all the classic risks and dangers of investing in real estate: risk of not renting out, possible seasonality, natural disasters, jobs, reduced attractiveness of the area, damage , harmfulness of labor, fees, etc.
This type of investment is best if you love to craft and have the time to devote yourself to property and tenant management.
Specifically, we disapprove of this type of netinvestment investment because we consider it labor intensive and difficult to control in terms of risk. We prefer more regulated investment solutions such as managed LMNP, I'll get back to that soon
For the second: AirBnb. I think I no longer need to explain the slightest interest in this type of property after the period we have just passed.
Those who swear by Airbnb as the alpha and omega of real estate investment have paid the price as they have no tenants at all in 2020 and the recovery is slow... largely spoiled by the lack of tourists (this type of property is more geared towards tourists looking for short term accommodation) in France.
Airbnb apartments compete with each other, forcing owners to constantly "improve" their accommodation, risking its deterioration, competition hotels that did not allow this go and that began to change their concepts and suggestions.
Here again, with a few very specific exceptions, we do not endorse or highly recommend this type of real estate investment
Managed Homes: once again be careful, not all is well in the managed home market.
As I mentioned in the preamble to this chapter, there is not one but many real estate sub-markets. The same applies to managed LMNP.
Five types of residences: student, medical rooms (EHPAD), non-medical rooms, business and tourist.
Clearly, and for obvious and pragmatic reasons of demand and market, we only favor the first two categories: students and nursing homes.
These are indeed stable sectors, known as "limited" sectors, and therefore not affected by economic development. Unfortunately, however, this is not the case for business residences, tourist residences, or nursing residences, all of which (or nearly all) suffer from too low occupancy to provide a sustainable economic return to the residence.