The best investments for €150,000

WHAT’S THE BEST INVESTMENT FOR 150,000 EUROS?

The range of financial investments has grown considerably in recent years, and it is now very hard for investors to choose. What should you do with 150,000 euros? Between banks, insurers and financial institutions, intermediaries such as wealth management advisers or financial investment advisers, tax-reduction products and every possible investment vehicle, it is 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, bear in mind that your key indicators are:

Return and capital gain: how much it earns each year, and how much the invested capital grows, which comes down to the question of capitalising or distributing profits,

Length of the investment + exit conditions.

These essential questions must be the line you follow without fail. I have seen investments come and go that are very hard to exit, where you cannot get your money back easily or only after very long delays — we are talking here about the liquidity of your investment. I have seen investments whose return was so low that they had no financial interest at all, your 150,000 euros working very little for you and rather for the benefit and profit of the institution where you placed your money.

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

grow your 150,000 euros to prepare for retirement?

Generate extra income with an annual distribution, like an additional passive annuity?

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

Prepare your estate?

A bit of all of that? It is up to you to define your needs, but in the meantime, here are a few ideas.

The best investment depends on what you are looking for and on the underlying asset or vehicle: real estate? Financial markets, bonds, shares, ETFs or others? And for the boldest: crypto-assets? Commodities? The best investment for you is also a matter of its horizon, that is, its minimum holding period and its liquidity when it reaches its term.

For real estate, a real estate investment company (SCPI) can be a good idea; it is a long-term collective investment structure. An SCPI can be a real asset for investors. They can choose between three forms of SCPI: the investment SCPI, the tax SCPI and the buy-to-resell SCPI. The first can deliver a return of 3 to 5%. The tax SCPI invests the funds raised in residential buildings. The buy-to-resell SCPI works on the property dealer's business model and can generate significant profits, redistributed among shareholders, through the renovation of run-down buildings. As a result, creating an SCPI, or at least being fully involved in one, can generate fine returns as soon as you start investing a fairly substantial amount.

Earn a little with 100% security: why not invest short term with €150,000 in one of the many savings accounts available in France?

A high-interest bank savings account can be a possible solution for investing your money over a short period. This investment is secure since the rate is known in advance. In addition, banks offer opening bonuses or boosted rates of up to 4% gross for an indefinite period.

If the promotional offer you choose has a ceiling below €150,000, you simply split your capital across several banks. That way, you can still take advantage of the various opportunities the market offers, with rates of up to 4%. Before the 2008 subprime crisis, some offered 7% on opening an account for the first year, on the first 100,000 euros invested.

The CAT (compte à terme, a fixed-term deposit) is also a good idea. If you are patient and can lock up €150,000 for 24 months, the 2% rate is low and does not cover inflation, but it remains very secure with a capital guarantee. This rate is higher than that of a high-interest savings account. However — and this brings us back to the common thread of your investment — you must not release the sum early, otherwise you may face an early-withdrawal penalty and this already low rate will be reduced or even cancelled. So there is an exit issue, and you need to be sure how long your funds will be tied up.

Taking risks to win big: what about the share savings plan (PEA)?

If you have a taste for risk and expect markets to rise despite the difficult context of 2022 — between the end of the health crisis and the start of the war in Ukraine, which is creating strong tensions on energy commodities (gas, oil) — the idea of putting your money into a financial investment such as a PEA may interest you. PEAs let you invest up to €150,000, which can be very advantageous when you want to invest 100,000 or 150,000 euros. The PEA offers a tax exemption on capital gains realised. So why not save in a PEA and grow your share 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 widely available and is accessible to everyone from 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. You can, for example, invest 150,000 euros in our alternative investment fund Phocus1 in Luxembourg, which invests through options strategies (historically currencies, then multi-underlying options since June 2026). Liquid, meaning your funds are available at any time, with no entry fees, highly profitable (12.8% net investor in 2021), with tax treatment to suit you, this investment has advantages rarely offered elsewhere.

HOW BEST TO INVEST YOUR MONEY IN 2022?

Here are a few tips to know how best to invest 150,000 euros in 2025. Life insurance? With the risks linked to bonds and the Sapin 2 law, which is a threat, not for 2022 or 2023… Real estate in 2025? Certainly not, because of the risk of an economic crisis linked to the war in Ukraine — but that is debatable: rates are still low with higher inflation, so it is a good calculation over the long term, but as for doubling your capital, I don't think so. So? Retirement savings plans, SCPIs, etc. — all the vehicles offered by banks are investments that frankly do not let you double your stake… unless you wait a lifetime!

• TAKE TAXATION INTO ACCOUNT

You may be subject to the flat tax (30%), to taxation within a PEA, your life insurance contract or a PER as part of your retirement savings.

• BE REALISTIC ABOUT YOUR EXPECTED RETURN.

High return … high risk. High return means investment period and the need to tie up your funds for a long time; see the chart below on expected gains according to the investment horizon:

• PASSIVE INCOME IS NOT THE ONLY KIND!

It can be more advantageous to gradually sell an asset that has gained value over time. Large returns come from sophisticated, long-term financial investments, so you need to be aware of what you are investing in.

HOW MUCH DOES 150,000 EUROS INVESTED PER MONTH EARN?

Let us look at how much it is possible to earn per month by investing 150,000 euros. Let us take a few rates and returns, namely:

• Livret A rate of 1.7% (since 1 August 2026)
• Return on your shares and bonds estimated at 6% (average of bancassurance managers over 30 years)
• Paris real estate return 1% after tax

So, with these rates of return and over the long term, how much does 150,000 euros earn per month before taxes?

• €150,000 invested at 1% brings in a gross payment of €125 per month;
• €150,000 invested at 3% brings in €375 gross per month;
• €150,000 invested at 6% brings in €750 gross per month;
• €150,000 invested at 15% brings in €1,875 gross per month; 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 length of the investment, the type of investment and, correspondingly, the risk the investor is ready to take. Payments therefore differ according to your interest rate and the risk taken. The important thing is to diversify your investments in the hope of receiving a higher monthly return.

HOW TO INVEST 150,000 EUROS IN EUROPE OR LUXEMBOURG?

To benefit from a more advantageous legal and tax framework than in France — few people know it, but Europe is an open financial market and it is very easy to invest anywhere in the euro area. Take the French people's favourite investment, ideal with 150,000 euros: real estate! Well, real estate earns more in Berlin, Germany, so why not invest directly in a German SCI? Investment professionals offer this type of investment! It is up to you to find yours, or contact us for good deals.

Europe's leading financial centre: why not invest your 150,000 euros in Luxembourg? Our experts explain. To invest, you need to know what you are looking to generate, but the advantage of Luxembourg, the Swiss army knife of investment, is that you can find investments with all the features of the best investments: a short investment horizon and full liquidity of funds in an emergency, high returns, capitalisation of interest or annual distribution, and simple, attractive taxation since it applies only on exit (interest capitalised tax-free)

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

If you want to know more about the legal and financial benefits of the SCS, we invite you to read our article on SCSs for more information by clicking here.

Investing in a Luxembourg alternative investment fund, such as Phocus1, is an attractive option. Phocus1 invests through options strategies (historically currencies, then multi-underlying options since June 2026). The currencies traded are top-tier and those offering the best liquidity guarantees, as they depend on the main Western economies: US dollar, Australian and Canadian dollars, euro, yen, pound sterling (the famous pounds!) and Swiss franc.

You can invest in Luxembourg in a wide range of assets and also in life insurance (from 1 million euros, as fees are high), but again it depends on your priorities. The articles on our website set out other major advantages of investing in Phocus1, such as the one on tax-free compound interest.

Would you like to find out more about the investments available in Luxembourg? Feel free to visit our page on the various capitalisation and savings products available in Luxembourg for making profits.

WHERE TO INVEST 1 MILLION EUROS? LUXEMBOURG LIFE INSURANCE, PRIME REAL ESTATE, WORKS OF ART…

Do you have 1 million euros to invest? How to invest 1 million euros? Putting your money into a venture fund can be a good idea, especially when you are well informed about high-potential companies.

1/ Investing in private equity requires choosing a well-known asset management firm with a proven track record.

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

Indeed, in private equity focused on venture capital, there are venture capital funds, growth capital funds and buyout funds.

3/ You need to think about your investment strategy and choose the one that lets you diversify your portfolio.

4/ You can also mix vintage funds. These are funds that launch a new range every year. Launching a new range every year limits cyclical risk. As a reminder, in private equity, investment returns are assessed by vintage year. This means that the year of the first investment is taken as the reference for tracking returns and thus tracking profitability.

We invite you to read our article “Why does private equity earn more?” by clicking here to find out more about the profits you can make through private equity.

We suggest a balanced mix over 10 years to give you an idea of the possible real estate and financial investments:

(Inspired by https://lessecretsdelimmo.fr/investissement-immobilier/placer-1-million-euros/)

Investing €1,000,000 requires careful thought, and several criteria must be taken into account. For 2022, you can try betting on a dividend-based strategy.

WHAT’S THE BEST CRISIS INVESTMENT FOR €150,000? AND WHERE TO INVEST YOUR MONEY WITHOUT RISK?

In crises of all kinds (economic, health, …), it is better to put your money into secure investments such as bank savings accounts or a Luxembourg life insurance policy, which benefits from the unique security triangle. (More details in our article on life insurance in Luxembourg www.eor.fr/ass… )

Do you consider a freeze on withdrawals from your life insurance or an exceptional tax on your capital to be a risk? It is not enough to choose a risk-free underlying or guaranteed capital; in a major crisis, your funds must also remain available and not be taxed exceptionally. Yet that is what could happen if the State decided to activate the SAPIN 2 law, which allows it to prohibit withdrawals from French people's life insurance or to introduce exceptional taxation of capital held in savings accounts. Find out more about why taking out life insurance in France is a good investment but remains risky by clickinghere.

Life insurance remains the favourite investment of the French population, as it is low-risk, especially in times of crisis. With little appetite for risk, boosting the return on your life insurance is a good option. The most secure investments among the three existing types of life insurance are euro funds, with guaranteed capital and a return below inflation after tax, and multi-support life insurance.

The aim of this type of multi-support life insurance is to invest part of the capital in euro funds with a guaranteed high return and the other part on the financial markets, in unit-linked funds. These investments can be very profitable because banks have introduced a floor guarantee with a minimum return threshold, protection of capital gains and progressive capital protection.

A high-interest bank savings account can be a possible solution for investing your money over a short period. This investment is secure since the rate is known in advance. In addition, banks offer opening bonuses or boosted rates of up to 4% for an indefinite period.

If the promotional offer you choose has a ceiling below €150,000, you simply split your capital across several banks. That way, you can still take advantage of the various opportunities the market offers, with rates of up to 4%.

The CAT (fixed-term deposit) is also a good idea. If you are patient and can lock up €150,000 for 24 months, the 2% rate will be very advantageous for you. This rate is higher than that of a high-interest savings account. However, you must not release the sum early, otherwise you may face a penalty and the rate will be reduced.

HOW TO DOUBLE YOUR CAPITAL QUICKLY?

Want to double your capital quickly? Imagine: it took 25 years for property prices in Paris to double, from 1997 to today! In the USA, if you invested after the subprime crisis in 2010, prices have already doubled! And with Phocus's returns over the last 5 years, it would already be done! Indeed, to double your capital, you must rely on compound interest, that is, gains carried over onto your capital, year after year. The advantage of Phocus1, in addition to its exceptional profitability of over 10%? Tax-free status as long as you do not withdraw your gains, as in a PEA. For this, you need patience and a more or less long term; it obviously depends on the annual return. Doubling your capital is an achievable goal, but it takes time. To know how to double your capital, you first need to estimate the time required based on the annual return. For this, you can use the rule of 72. The long term is wiser for doubling your capital thanks to compound interest. Our experts invite you to read our article on compound interest by clicking here.

Pro tip: to find out how long it will take for your capital to double, divide 72 by the interest rate of your investment. The result is approximate but gives a genuinely 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 shares? On average, the stock market earns 7% a year, with dividends and gains reinvested. But you can always bet on a share like Tesla, which doubled in value in 2017 in less than 6 months! Not to mention the GAFAM, led by Google, which let investors double their stake in a few years.

Feel free to 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 capitalisation through asset diversification.

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

• What to do with 200,000 euros?
• How much does 200,000 euros invested earn per month?
• How to invest 200,000 euros?
• Where to invest 200,000 euros?
• Livret A rate of 1.7% (since 1 August 2026)

Sources:

How much does €300,000 invested earn per month?

Annual distribution investments: a good strategy?

The range of financial investments has grown considerably in recent years, and it is now very hard for investors to choose. What should you do with 150,000 euros? Between banks, insurers and financial institutions, intermediaries such as wealth management advisers or financial investment advisers, tax-reduction products and every possible investment vehicle, it is 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, bear in mind that your key indicators are:

For real estate, a real estate investment company (SCPI) can be a good idea; it is a long-term collective investment structure. An SCPI can be a real asset for investors. They can choose between three forms of SCPI: the investment SCPI, the tax SCPI and the buy-to-resell SCPI. The first can deliver a return of 3 to 5%. The tax SCPI invests the funds raised in residential buildings. The buy-to-resell SCPI works on the property dealer's business model and can generate significant profits, redistributed among shareholders, through the renovation of run-down buildings. As a result, creating an SCPI, or at least being fully involved in one, can generate fine returns as soon as you start investing a fairly substantial amount.

A high-interest bank savings account can be a possible solution for investing your money over a short period. This investment is secure since the rate is known in advance. In addition, banks offer opening bonuses or boosted rates of up to 4% gross for an indefinite period.

Let us look at how much it is possible to earn per month by investing 150,000 euros. Let us take a few rates and returns, namely:

Europe's leading financial centre: why not invest your 150,000 euros in Luxembourg? Our experts explain. To invest, you need to know what you are looking to generate, but the advantage of Luxembourg, the Swiss army knife of investment, is that you can find investments with all the features of the best investments: a short investment horizon and full liquidity of funds in an emergency, high returns, capitalisation of interest or annual distribution, and simple, attractive taxation since it applies only on exit (interest capitalised tax-free)

Investing in a Luxembourg alternative investment fund, such as Phocus1, is an attractive option. Phocus1 invests through options strategies (historically currencies, then multi-underlying options since June 2026). The currencies traded are top-tier and those offering the best liquidity guarantees, as they depend on the main Western economies: US dollar, Australian and Canadian dollars, euro, yen, pound sterling (the famous pounds!) and Swiss franc.

1/ Investing in private equity requires choosing a well-known asset management firm with a proven track record.

Indeed, in private equity focused on venture capital, there are venture capital funds, growth capital funds and buyout funds.

4/ You can also mix vintage funds. These are funds that launch a new range every year. Launching a new range every year limits cyclical risk. As a reminder, in private equity, investment returns are assessed by vintage year. This means that the year of the first investment is taken as the reference for tracking returns and thus tracking profitability.

We invite you to read our article “Why does private equity earn more?” by clicking here to find out more about the profits you can make through private equity.

Feel free to 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 capitalisation through asset diversification.