Invest 20,000 euros: Boost your earnings with the best strategies

Investing €20,000 opens the door to a wide range of possibilities for growing your capital. Whether you're looking to secure your investments or aim for higher returns, there are solutions to suit your financial goals and risk tolerance. In this article, we guide you through the best investment options to maximise your gains while controlling the risks.

Investing 20,000 euros is a strategic opportunity to optimise your assets. This sum allows you to diversify your investments, a fundamental principle for balancing risk and maximising returns. With 20,000 euros, you have access to a wide range of investments, allowing you to seize opportunities with high added value, while adjusting the level of risk. By choosing the right investments, you can ensure the long-term financial stability of your assets.

Find out where invests 20,000 euros through profitable investment strategies tailored to your financial goals.

Investing €20,000 in shares and innovative start-ups

Investing in shares in large companies or start-ups can generate significant returns. With 20,000 euros, you can choose to take strategic positions in technological, ecological or innovative companies. Green technologies and fintech start-ups are particularly promising sectors.

Investing €20,000 in bonds

Bonds, particularly those issued by governments or leading companies, offer regular passive income and a degree of stability. Although they offer lower returns than other investments, they remain an effective way of diversifying your portfolio and reducing risk.

Investing in property: SCPIs and property crowdfunding

Property remains a cornerstone of long-term investment. In 2025, investing €20,000 in an SCPI (Sociétés Civiles de Placement Immobilier) or via property crowdfunding are innovative ways of diversifying your portfolio. SCPIs allow you to invest in property without having to manage the assets directly, while property crowdfunding gives you the opportunity to finance developing projects with high return potential.

Socially Responsible Investment (SRI): Profitability and positive impact

If you want to combine profitability and ethics, Socially Responsible Investment (SRI) is an excellent option. You can invest €20,000 in companies or funds that follow environmental, social and governance (ESG) criteria, ensuring that your investments have a positive impact.

Investing in mutual funds and ETFs

Fonds Communs de Placement (FCP) and ETFs (Exchange Traded Funds) are interesting solutions for diversified, passive investing. You can invest in these funds, which track stock market indices or specific sectors such as technology, renewable energy or health.

Cryptocurrencies: capitalising on the potential of digital assets

Although cryptocurrencies are more volatile, they represent a market with high return potential. With €20,000, you can position yourself in assets such as Bitcoin, Ethereum, or other emerging cryptocurrencies, while diversifying your portfolio.

Each investment option has its own specific risks. To find out what to invest €20,000 in, you need to think carefully before committing yourself.

Private Equity, or private equity, offers a unique opportunity to participate in the financing of SMEs and unlisted companies. By investing €20,000 in this asset class, you contribute directly to the growth of promising companies, while benefiting from an attractive potential return.

Why choose Private Equity?

Investing in private equity gives you access to innovative or developing companies, often with high potential. Although this type of investment carries a major risk of liquidity and capital loss, it can generate higher returns than traditional markets.

How do I access Private Equity?

With as little as €20,000, you can gain access to specialist private equity funds, such as those offered by Eurazeo, a leading player in the field. These funds enable you to participate in the financing of fast-growing companies or companies in transition, with attractive potential returns. Eurazeo offers professional management that selects diversified projects, ranging from technology to sustainable sectors, and allows you to benefit from a wealth of private equity expertise to maximise your chances of success.

Where to invest €20,000 in a diversified way? Diversification is an essential strategy for spreading risk and maximising returns. It is advisable to diversify your investments geographically, sectorally and across different asset classes.

Geographic diversification

It is possible to spread your investments over several geographical areas, thereby reducing the risks associated with a single economy and exploring international opportunities.

Sector diversification

Investing €20,000 in sectors such as technology, property or healthcare helps to limit the impact of sectoral crises and take advantage of growth in other areas.

Asset class diversification

Spreading equities, bonds and other assets helps to strike a balance between growth and security. This helps to better manage market fluctuations while maximising return opportunities.

All investments present risks, so it is essential to understand them in order to make strategic decisions and manage your portfolio in the best possible way.

Risk of capital loss on the investment

One of the most important risks to consider is the risk of capital loss. Depending on the nature of the investment, it is possible for the value of the asset to fall to the point where all or part of the amount invested is lost. This risk is particularly high in more speculative or non-guaranteed investments.

Market risk: Volatility and fluctuation

Financial markets can fluctuate according to world events and economic trends. It is essential to understand the level of volatility of each investment in order to adjust your expectations and avoid surprises.

Liquidity risk: Access to your capital

Some investments, such as property or investments in start-ups, may be less liquid, which means it could be difficult to recover your capital quickly without penalty. It is important to have a cash reserve in parallel.

Concentration risk

It's tempting to put a large sum into a single investment, but this can increase the risk. Diversifying your investments will help you limit this risk and optimise your returns.

Credit risk: The solvency of borrowers

When you invest in bonds or loans, there is a risk that the borrower will not be able to repay the loan. This risk is particularly high in the case of less secure companies or financial instruments.

Legal and regulatory risk: Impact of laws and regulations

Changes in tax regulations or local laws may affect the profitability of certain investments. It is important to keep abreast of current legislation to avoid negative impacts.

This article was produced by Eurazeo Global Investor and is for information purposes only. It should not be construed as a solicitation or offer of any financial products or as legal, tax, financial or other advice. Readers are invited to contact their own advisors for any analysis relating to the content of this article. The information presented does not claim to be exhaustive. Accordingly, this document alone should not be relied upon in making an investment decision. Please refer to the legal documentation of the funds mentioned before making any final investment decision.

Past performance is not necessarily indicative, nor a guarantee of future results. Information on past investments is provided solely to illustrate the nature of these investments and the related investment strategy and process. There can be no guarantee that the investments made by the funds will produce comparable results, or that the targeted returns will be achieved. Investing in Private Equity/Private Debt funds involves a risk of capital loss and illiquidity.