Investment – You are good business for your money

Posted 10 Dec. 2021 at 6:07

My “cabin” in Cap-Ferret

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What do L’Herbe, Le Canon and La Vigne have in common? These villages are all nestled on the famous Cap-Ferret peninsula. This holiday destination is ideal for recharging your batteries, strolling along the ocean, tasting oysters at a local oyster farmer, enjoying the unique panorama of Arcachon Bay and the Pyla Dune. Nicknamed the Saint-Tropez of the Atlantic, Le Cap-Ferret has a dynamic real estate market made up of many luxury properties.

In this residential area, “Demand exceeds supply, especially for some houses facing the sea. This has the effect of keeping prices rising”says Barnes. Alongside the contemporary houses, there are villas with typical local architecture such as Arcachonnaises, Basco-Landaises and charming wooden huts. This is the case with this house located near the ocean beaches and within walking distance of the market. Completely renovated, it has a large living room, 4 bedrooms and several terraces. The landscaped garden features a heated swimming pool. Barnes is offering this house for 3,150,000 euros.

A new social and solidarity fund

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Social and solidarity impact is now available in all investment products. And formula funds are no exception. LCL bank and asset management company Amundi offer subscription to LCL Impact Social 2021 until 17 December at 17:00 Intended for private banking clients, this financial vehicle will invest in a universe of 50 French companies (from SBF 120 ) selected for their social and solidarity impact.

As always in the construction of formula funds, an index (here Euronext France Social Decrement 3.75%) will serve as a benchmark to determine a variable geometry return. According to the evolution scenarios of this index, the exit windows are possible at two, four or six years.

At best, earning promises displayed are 4.12%, or even 5.50% per year. In the absence of a positive early exit, the fund will be liquidated after eight years. There is no capital or return guarantee here. This product plans to donate part of the potential earnings to the Association for Education through Sport (APELS) and the Habitat & Humanisme federation. Suitable for many LCL life insurance contracts, this fund is rated 4 on a scale of 7. The unit value of the share is 100 euros and the registration and management fees (annual) are charged at 1.50% respectively and 1.05%.

Explanation of sustainable savings

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Objectively inform the general public about sustainable savings in all its forms. This is the mission of myfairmoney.fr, an online platform that has been operational for a few weeks. Created on the initiative of the 2nd Investing Initiative (2DII), an independent European think tank, this free site offers educational videos to better understand this fairly recent investment universe.

In addition, it examines nearly 4,000 funds distributed in France. To see more clearly in this jungle of financial products and be able to identify the ones that suit your desires, just answer an online mini-questionnaire that will determine your extra-financial profile.

When Andy bites Mick

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Fan of Mick Jagger and Andy Warhol? Here is an auction that can fully satisfy this double passion. On December 17, the Ferri house will disperse five color portraits of the Rolling Stones singer made by the king of pop art at the Drouot. Created in 1975 in New York, these large-format (110.7 x 73.4 cm) screen prints are laid on Arches Watercolor paper and all signed in pencil, bottom right by Andy Warhol and bottom left by model Mick Jagger .

Mick Jagger by Andy Warhol (1975). This screen printing is estimated at between 30,000 and 40,000 euros.Drouot

At the time, the British rocker agreed to pose in front of the American designer’s Polaroid lens. The latter, as usual, had subsequently mass-produced this portfolio of ten portraits (250 copies for each attitude) of the leader of the Stones, five of which are on offer in Paris. “Torn paper, colored flat areas, clean lines and strong outlines, all the elements of the Warhol brand are present”says Irénée Brun, an expert at the Perazzone-Brun studio. “The lines drawn in ink highlight the features of her face: the curve of the lips, the line of the chin and that of the jaw”, adds the latter. Sold separately, the numbered pieces are estimated at between € 30,000 and € 40,000 each. For the record, these five works were purchased in 1987, in New York, by Yannick Noah!

Lydia opens up to the markets

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Having started in 2013 with the successful instant refund between friends, the Lydia app continues to fill its basket of services. Already offering a checking account, a means of payment, remunerated savings and even an express consumer loan, this French Fintech is launching a new offering this month that allows easy access to the financial markets. From the app, users can now buy European and American stocks, ETFs, rare metals and cryptocurrencies.

Associated with White Label Bitpanda responsible for the commercial part, Lydia offers this simple and practical functionality. First of all, the investment is immediate, that is, 24 hours a day, 7 days a week, even when the financial markets are closed. So access couldn’t be more democratic as the entrance fee for all these investments is set at 1 euro. For more reluctant or less lucrative investors it will therefore be possible to buy and sell a fraction of the share. Lydia, whose declared ambition is to replace traditional retail banking, charges this service 0.5% of the amount invested in stocks and ETFs and between 1.5 and 2.5% for cryptocurrencies.

A GFV dedicated to horns

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On the eastern side of the Massif Central and along the Rhone, Cornas is one of the few vineyards (Côte-Rôtie, Hermitage, Crozes-Hermitage, Saint-Joseph) located in the northern part of the Rhone Valley. Less well known than its neighbors, Cornas is a full-bodied Côtes-du-Rhône, made from Syrah (red grape variety). It is known for providing leathery aromas with peppery notes.

Fans of this drink can, at the moment, indulge themselves by buying shares in a Wine Land Grouping (GFV), a financial vehicle specializing in this wine. Having raised nearly € 600,000 from around 100 private investors, this group will purchase four plots classified as cornas AOC. With a total area of ​​84.65 ares, these vines are already cultivated by the Domaine Durand, which will enter an eighteen-year rural lease. Based in Châteaubourg, this family of winemakers for four generations has already cultivated almost 20 hectares and produces, in addition to Cornas, Saint-Joseph and Saint-Péray.

The shareholders of this GFV who paid almost 7,000 euros per share will be paid in kind with nine bottles of two “house” cuvées (Prémices and Empreintes) or in cash with an annual remuneration of 3.65%. This investment is offered by the gfv-enligne.com platform, which is the commercial showcase of DCGA, a Beaune-based wealth management company specializing in wine investments.

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