Investing with small sums: Pave the way for your first investments

Investing is not just for the wealthy. Today, many individual investors start with small sums, taking advantage of investment solutions that are both accessible and effective. Whether you want to invest your money to prepare for the future or to grow your savings, there are many strategies for making profitable investments, even on a limited budget.

There are many advantages to investing with modest sums. It allows you to diversify your portfolio without risking losing a significant proportion of your capital. What's more, starting with small amounts gives you the opportunity to explore the subtleties of investing, acquire practical knowledge and develop your skills without the pressure of a heavy financial commitment.

When you start investing, it is important not to concentrate all your capital in one place. Diversification is the key to spreading risk and maximising your chances of profitability. By investing small amounts in several asset classes, you increase your chances of success.

Where should you invest your money?

There are several ways of investing small sums of money. Here are a few options available to everyone.

Regulated savings passbooks: Regulated savings passbooks offer simple, secure access to your funds, guaranteeing the preservation of your capital without risk. They allow you to keep your money safe while offering a moderate return, thanks to interest rates set by the government. These savings products are ideal for those looking for a stable solution.
Life insurance with euro funds: Life insurance is a flexible, tax-efficient investment. By choosing euro funds, your capital is guaranteed while enjoying regular interest.

Venture capital mutual funds (FCPR): This type of fund pools the capital of several individual investors to invest in unlisted companies in innovative sectors. These funds can offer attractive returns, but carry a higher level of risk. Solutions offered by players such as Eurazeo Wealth Solutions are an option for investors looking for a dynamic investment.

Bonds and equities: Investing in bonds or equities on the financial markets, even with small sums, is possible thanks to online investment platforms. These platforms offer low fees and a wide range of financial products, enabling you to diversify your portfolio while taking calculated risks.

Investing involves risks, particularly in terms of volatility and future performance. You are advised to consult a financial adviser before investing.

By exploring these options, you can start to grow your money without needing a large capital sum.
 

To invest a small sum, it's essential to define your investment strategy carefully. Here is some advice on how to optimise your investments.

Set your investment objectives

Before investing, determine what your objectives are. Do you want to make a short-term profit or build long-term capital? Your strategy will depend on the answer to this question. Good financial planning is essential to guide your investment decisions.

Choose the right financial products

The range of financial products on offer is vast and varied, which can make it difficult for a novice investor to choose. It is essential to select investments that match your financial objectives, your investment horizon and, above all, your risk tolerance. An investor looking for a degree of security might prefer savings solutions such as regulated passbook accounts, while those prepared to take more risk to achieve potentially higher returns might turn to more dynamic investments.

Eurazeo Wealth Solutions offers investment funds in the private equity sector, a particularly attractive option for those wishing to diversify their portfolio while investing in unlisted companies with high growth potential. These funds enable investors to play an active role in financing promising business projects, while benefiting from the opportunities for profitability offered by private equity.

Stay informed and adjust your strategy

Once you have invested, it is important to keep abreast of market trends and the evolution of your investments. Don't hesitate to adjust your investment strategy in the light of new information or changes in your personal situation. This will enable you to optimise your returns and keep your investments in line with your financial objectives.
Investments can entail financial risks, including total or partial loss of capital. You are advised to evaluate your choices carefully before investing.
 

Private equity is often associated with higher returns than traditional investments. Although this type of investment carries a higher risk, it also makes it possible to support innovative and promising companies with significant potential for profitability.

Investment strategies for small budgets

For individual investors with small budgets, there are a number of strategies that can be put in place to maximise returns, including the following:

• Progressive investment: Progressive investment or dollar-cost averaging involves investing small amounts at regular intervals. This method makes it possible to limit the risks associated with market fluctuations and to take advantage of buying opportunities when prices are low.

• Mutual funds: These funds pool resources to invest in a diversified portfolio. They are managed by professionals and offer an accessible entry point for small budgets.

• Crowdfunding platforms: Investing in projects via crowdfunding allows you to support start-ups with modest amounts, thus diversifying your portfolio. Not only does this offer the chance to make a return, it also allows you to participate in projects that are close to your heart.

• ETFs (Exchange Traded Funds): ETFs are exchange-traded funds that offer exposure to various assets, such as equities or bonds, with generally low management fees. They are ideal for diversifying a portfolio without the need for large initial investments.

It is important to assess your risk tolerance before choosing an investment strategy. Consider your financial objectives, your investment horizon and your personal situation.
 

Eurazeo Wealth Solutions is a major player in private equity in Europe, offering a wide range of funds accessible to individuals wishing to invest a small sum while benefiting from the expertise of a major group.

Attractive returns: Our funds are designed to generate potentially higher returns than traditional investments such as savings accounts or bonds. Thanks to our expertise in selecting high-potential companies and our rigorous investment strategy, we have a track record that demonstrates our ability to create value for our investors.

Recognised expertise : Eurazeo Wealth Solutions relies on a team of investment experts who work with companies in a variety of sectors to help them grow. Our proactive approach enables us to identify promising companies and optimise their performance, which translates into concrete results for our investors.

Accessibility from €10,000: We believe that everyone should have the opportunity to invest in private equity, whatever their budget. That's why we have set up funds that are accessible from as little as €10,000, enabling investors with a small sum to enter the market. From modest amounts, you can participate in large-scale projects and diversify your portfolio while benefiting from the advantages of private equity.

Professional support : Eurazeo Wealth Solutions is committed to supporting its investors every step of the way. We provide clear and transparent information about our funds, as well as advice tailored to your financial objectives.

Risks associated with investing: It is important to note that any investment involves risk. Private equity, in particular, can be more volatile than traditional investments and may not be suitable for all investor profiles. Investors should be aware that the value of their investments may fluctuate and that it is possible to lose part or all of the investment.

Investing with small sums makes it easy to get started and take advantage of opportunities, while remaining alert to potential risks.