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Therange of financial investments on offer has grown considerably in recent years, and it's now very difficult for investors to make a choice.
What to do with 150,000 euros?


Therange of financial investments on offer has grown considerably in recent years, and it’s now very difficult for investors to make a choice. What to do with 150,000 euros? Between banks, insurance companies and financial institutions, asset management intermediaries such as Conseillers en Gestion de Patrimoine or Conseillers en Investissements Financiers, tax exemption products and all the possible investment vehicles, it’s not always easy to know what to do with your money, or how best to invest it.

Even before knowing why and what your investment objective is, keep in mind that your key indicators are :

Profitability and capital appreciation: how much is earned each year, and how much does the capital invested increase, which comes back to the issue of capitalization or profit distribution,

Investment term + exit conditions.

In fact, these essential questions must be the guiding principle. I’ve seen investments where it’s very difficult to get out, and you can’t get your money back easily or for a very long time – or here I’m talking about the liquidity of your investment. I’ve seen investments where the profitability was so low that they were of no financial interest at all, your 150,000 euros being of little use to you but rather to the person with whom you invested your money.

Then, to invest, you need to define your investment objectives.

make the most of your 150,000 euros to prepare for retirement?

Generate additional income with a passive annuity-type annual distribution?

Expand this capital of 150,000 euros to 200,000 in a few years, or even double it?

Preparing your estate?

A bit of everything? It’s up to you to define your needs, but in the meantime, we’ll give you a few ideas.

The best investment depends on what you are looking for and on the underlying or support: real estate? Financial markets, bonds, equities, ETFs or other? And for the more daring: Crypto assets? Commodities? The best investment for you is also its time horizon, i.e. its minimum holding period and its liquidity once it reaches maturity.

For real estate , a société civile de placement immobilier (SCPI) can be a good idea, and corresponds to a long-term collective investment structure. SCPIs can be a real asset for investors. There are three types of SCPI to choose from: investment, tax and buy-to-let. Investment SCPIs generate returns of 3 to 5%. Tax SCPIs invest the funds raised in residential properties. Buy-to-let SCPIs operate on a property merchant’s business model, generating substantial profits that are redistributed among shareholders through the renovation of run-down buildings. As a result, setting up an SCPI, or at least becoming fully involved in it, can generate handsome returns as soon as you start investing a sizeable amount.

Earning small with 100% security: Why not invest €150,000 in one of the many short-term savings accounts available in France?

A super bankbook can be a great way toinvest your money for a short time. This is a secure investment, since the rate is known in advance. What’s more, banks offer opening bonuses or a boosted rate of up to 4% gross for an indefinite period.

If your chosen promotional offer has a ceiling of less than €150,000, simply divide your capital between several banks. This way, you can still take advantage of the various opportunities on the market, with rates of up to 4%. Before the subprime crisis of 2008 , some banks offered a 7% interest rate for the first year of account opening, up to a limit of the first 100,000 euros invested.

The CAT, Compte À Terme, is also a good idea. If you’re patient and can lock in €150,000 over 24 months, the 2% rate is low and doesn’t cover inflation, but remains very secure with the capital guarantee. This rate is higher than that of the Super Livret. However, and here we come back to your red thread of investment, you mustn’t anticipate the release of the sum, otherwise you may incur an early withdrawal penalty, and the already low rate will be revised downwards or even cancelled. So you need to be sure of the length of time your funds will be tied up.

Taking risks to win big: what about the PEA stock savings plan?

If you’re a risk-taker who expects the markets to rise despite the complicated context of 2022, between the end of the health crisis and the start of the war in Ukraine, which is creating strong tensions over energy commodities (gas, oil), the idea of investing your money in a financial investment such as a PEA may be of interest to you. PEAs allow you to invest up to €150,000, which can be very advantageous when you want to invest €100,000 or €150,000. PEAs are also tax-exempt on capital gains. So why not save in a PEA and enrich your stock portfolio?

Earn even more with private equity?

Private equity is the most profitable asset class, reserved for the very wealthy who can afford the services of family offices and wealth managers. Little-known, private equity is becoming more accessible to everyone, starting at 100,000 or 150,000 euros. Direct investment offers the best returns in a risk context that is sometimes better than those offered by traditional institutions and managers. For example, you could invest 150,000 euros in ourPhocus1 alternative investment fundin Luxembourg, which invests solely in currency parities. Liquid, i.e. your funds are available at any time, no entry fees, highly profitable (12.8% net investor in 2021), tax à la carte, this investment has advantages rarely offered elsewhere.


Here’s some advice on how best to invest 150,000 euros in 2022. Life insurance? With the risks associated with bonds and the Sapin 2 law a threat, can’t for 2022 or 2023…real estate in 2022? Certainly not, because of the risks of an economic crisis linked to the war in Ukraine, but that’s debatable, rates are still low with higher inflation, so it’s a good long-term calculation, but from there to doubling your capital, I don’t think so. so? retirement savings plan SCPI etc., all the supports offered by banks are investments that don’t really allow you to double your stake…unless you wait a lifetime!


You may be subject to Flat Tax (30%), taxation under a PEA, your life insurance contract or a PER as part of your retirement savings.


High return … High risk. A high return, long investment horizon and the need to lock in your funds for a long time – see the graph below on earnings expectancy as a function ofinvestment horizon:

best investment €150,000


It may be more advantageous to gradually sell an asset that has increased in value over time. High returns are obtained through long-term, specialized financial investments, so you need to be aware of your investment.


Let’s take a look at how much you can earn per month by investing 150,000 euros. Let’s take a look at a few rates and returns:

  1. Livret A rate of 1%.
  2. Estimated 6% return on equities and bonds (average of bancassurance managers over 30 years)
  3. Rates of 10% or more if your financial investments are in private equity and unlisted companies such as Phocus1.
  4. Profitability Paris 1% after tax

So, given these rates of return and over the long term, how much does 150,000 euros a month, excluding taxes, bring in?

  • 150,000 invested at 1% yields a gross payment of €125 per month;
  • 150,000 invested at 3% yields €375 gross per month;
  • 150,000 invested at 6% yields €750 gross per month;
  • 150,000 invested at 10% yields €1,500 gross per month;
  • 150,000 invested at 15% yields €1,875 per month gross; 15% is the net investor return of phocus1 from August 2021 to August 2022.

The return on these 150,000 euros invested will depend on the duration of the investment, the type of investment, and correlatively on the risk taken by the investor. As a result, payments will differ according to your interest rate and the risk taken. The key is to diversify your investments in the hope of achieving a higher monthly return.


To benefit from a more advantageous legal and tax framework than in France, few people know it, but Europe is an open financial center, and it’s very easy to invest anywhere in the euro zone: let’s take the investment preferred by the French and ideal with 150,000 euros: real estate! Well,real estate yields higher returns in Berlin than in Germany, so why not invest directly in a German SCI? There are a number of ‘investment professionals’ offering this type of investment! It’s up to you to find the one that’s right for you, or contact us for advice.

As Europe’s leading financial center, why not invest your €150,000 in Luxembourg? Our experts have the answers. To invest, you need to know what you’re looking to generate, but the advantage of Luxembourg – the Swiss Army knife of investment – is that you can find investments that have all the characteristics of the best investments: short investment horizon and total liquidity of funds in case of emergency, high profitability, capitalization of interest or annual distribution, simple and attractive taxation because only on exit (tax-free capitalization of interest).

If your aim is to anticipate and increase your retirement income, you can invest in SCS Phocus1, the best investment in Luxembourg. Why should you do so?

If you’d like to find out more about the legal and financial benefits of SCS, we invite you to read our article on SCS for more information by clicking here.

Investing in a Luxembourg alternative investment fund, such as Phocus1, is an interesting option. Phocus1 invests exclusively in currency parities. The currencies hedged are top-tier and offer the best liquidity guarantees, as they depend on the main Western economies: US, Australian and Canadian dollars, euro, yen, pound sterling (the famous pounds!) and Swiss franc.

You can invest in Luxembourg in a multitude of assets and also in life insurance (from 1 million euros upwards, as fees are high), but again this depends on your priorities. Our articles on our website explain other major advantages of investing in Phocus1, such as tax-free compound interest.

Would you like to find out more about investing in Luxembourg? Take a look at our page on the various capitalization and savings products available in Luxembourg to help you make a profit.


Do you have 1 million euros to invest? How to invest 1 million euros? Investing your money in a venture capital fund can be a good idea, especially if you know about companies with high potential.

1/ To invest in private equity, you need to choose a well-known asset management company with a proven track record.

2/ You need to target the size of the companies you want to invest in.

In fact, when it comes to venture capital-oriented private equity, there are funds for innovation capital, development capital and buyout capital.

3/ You need to think about your investment strategy, and opt for one that allows you to diversify your portfolio.

4/ You can also mix and match vintage funds. These are funds that launch a new range every year. Launching a new range every year helps to limit cyclical risks. As a reminder, in private equity, investment profitability is evaluated in vintage years. This means that the year of the first investment is taken as the benchmark for tracking yields and profitability.

We invite you to discover our article “Why does private equity pay more? here to find out more about the profits you can make with private equity.

We propose a balanced 10-year mix to give you an idea of possible real estate and financial investments:

(Inspired by

Investing €1,000,000 requires careful thought, and several criteria need to be taken into account. For 2022, you could try a strategy involving dividends.


In the event of crises of any kind (economic, health, etc.), it is preferable to place your money in secure investments such as bank savings accounts or in Luxembourg life insurance, which benefits from the unique security triangle. (For more details, see our article on life insurance in Luxembourg… )

Do you consider a freeze on withdrawals from your life insurance policy or exceptional taxation on your capital to be a risk? After all, it’s not enough to choose a risk-free underlying or guaranteed capital. You also need to ensure that, in the event of a major crisis, your funds remain available and are not taxed exceptionally. This is what could happen if the French government were to activate the SAPIN 2 law, which prohibits withdrawals from French life insurance policies, or introduce exceptional taxation of capital deposited in passbook savings accounts. Find out more about why taking out life insurance in France is a good but dangerous investment by clicking here.

Life insurance remains the preferred investment of the French population, since it is low-risk, especially in times of crisis. If you have little appetite for risk, boosting the yield on your life insurance is a good option. The safest of the three types of life insurance are euro funds, with guaranteed capital and a rate of return below inflation after tax, and multi-support life insurance.

The aim of this type of multisupport life insurance is to invest part of the capital in euro funds with a guaranteed high return, and the other part in the financial market, in unit-linked funds. These investments can be highly profitable, as the banks have set up a floor guarantee with a minimum profitability threshold, capital gains security and progressive capital protection.

A super bankbook can be a viable solution for short-term investment. This is a secure investment, since the rate is known in advance. What’s more, banks offer opening bonuses or a boosted rate of up to 4% for an indefinite period.

If your chosen promotional offer has a ceiling of less than €150,000, simply divide your capital between several banks. You’ll still be able to take advantage of the various opportunities on the market, with rates of up to 4%.

The CAT, Compte À Terme, is also a good idea. If you’re patient and can lock in €150,000 over 24 months, the rate of 2% is very attractive. This rate is higher than that of the Super Livret. However, you mustn’t anticipate the release of your funds, otherwise you may incur a penalty and the rate will be revised downwards.


Would you like to double your capital quickly? Just imagine, it took 25 years for property prices in Paris to double from 1997 to the present day! In the USA, if you invested after the subprime crisis in 2010, prices have already doubled! and with Phocus’ returns over the last 5 years, you could do just that! The advantage of Phocus1, in addition to its exceptional profitability of over 10%? As long as you don’t withdraw your earnings, you’re tax-free, just like in a PEA. To achieve this, you need to be patient and take a more or less long-term view, depending of course on your annual profitability. Doubling your capital is an achievable goal, but one that takes time. To find out how to double your capital, you first need to estimate the time required, based on your annual profitability. To do this, you can use the rule of 72. Compound interest is the wisest way to double your capital over the long term. Our experts invite you to discover our article on compound interest by clicking here.

A little tip from the pro: to find out how quickly your capital will double, divide the figure 72 by the interest rate on your investment. The result is approximate, but provides a really good indication. For example, if my interest rate is 5%, it will take 14 years to double my capital.

Is it possible to double your capital with equities? On average, the stock market yields 7% a year, dividends and gains reinvested. But it’s still possible to bet on a stock like Tesla, which doubled in value in 2017 in not even 6 months! Not to mention GAFAMs, led by Google, which has doubled its stake in just a few years.

Read our article “Your best investments for 150,000, 200,000, 500,000 and 1 million euros” by clicking here. Grow your money to increase your capitalization through asset diversification.

Our article answers questions about investing 200,000 euros and provides financial advice:

  • What can you do with 200,000 euros?
  • How much does 200,000 euros invested per month earn?
  • How do you invest 200,000 euros?
  • Where to invest 200,000 euros?


How long does it take to double your capital?

What rate of interest do you need to find in order to double your capital?

How much do… euros invested per month earn?