At the crossroads of sustained inflation and rising key interest rates, the question all investors are asking is: what to invest in in 2025?
To answer this question, I’ll provide you with all the information you need to know based on the current economic climate. You’ll also discover my comparison of the 7 best investments for this year, as well as all the actions you need to take before investing a single euro.
1. What to invest in in 2025: ETFs on the stock market
First, you can invest in publicly traded companies to grow your capital. The stock market has historically been one of the best-performing investments. Since 1802, it has returned 6.8% per year net of inflation, or around 9-10% per year gross of inflation.
invest in ETFs , which are diversified listed funds.
The first solution is much more difficult to implement and generally brings uncertain results. At S’investir, we are in favor of ETFs, which are financial securities that are easier to use and more profitable.
In 2025, to take full advantage of compound interest, you can invest in compounding ETFs. These funds collect dividends and reinvest them directly for you. This is therefore a very passive and tax-optimized strategy.
- Opt for high-yield bonds
In 2025, bonds represent an attractive investment opportunity. With key interest rates at their highest in 10 years, yields are attractive.
And as debt investors , we don’t need a booming economy, but simply companies that can pay the interest.
Investing in bonds has historically been an attractive investment for two main reasons:
When you invest your capital in bonds, you are lending your money to governments and/or companies. In the first case, we talk about government bonds ; while in the second, we talk about corporate bonds .
This model portfolio combines 60% stocks and 40% bonds . It allows you to measure the performance of an investment split between these two types of financial securities.
Currently, we are in a situation where stocks and bonds are falling. This is relatively rare, as since 1929, this has only happened in:
Indeed, in the majority of cases, either both asset classes are rising at the same time, or equities are falling and debt securities are rising again.
Hence the interest in the 60/40 portfolio , which offers you a satisfactory return while benefiting from protection of your capital. In addition to diversifying your assets , this allows you to take advantage of bonds which become attractive again in 2025.
- Choose passive real estate with SCPIs
SCPIs (Société Civile de Placement Immobilier) are structures that allow thousands of savers to passively expose themselves to rental real estate . These companies distribute rents quarterly and provide access to markets that are normally inaccessible, such as:
Financial Occupancy Rate (FOR) : This ratio measures the percentage of properties rented and generating rent. A minimum occupancy rate of 90% should be targeted.
Geographic and sector diversification : look at the number of different buildings, tenants, countries and types of housing.
Which SCPIs should you invest in in 2025?
In 2023, we saw real estate companies forced to focus exclusively on Parisian business premises. As a result, their profitability was quite low.
From a regulatory perspective, SCPIs are regulated by the AMF (the French Financial Markets Authority). This makes them a serious investment, having been launched in the 1970s and having proven themselves for over 50 years.
- Invest your savings in guaranteed assets
It is the oldest and most widely used savings product in France. The objective of this investment is simple: to grow your capital in a secure and tax-free manner , while accessing it at any time.