Investing & personal finance

Our guides to investing, saving and personal finance

Best Investments 2025: The Complete Guide to Investing Smartly

In an uncertain economic climate, this guide helps you choose where to invest in 2025 based on your goals, risk profile, and time horizon. It covers everything from secure options (savings accounts, euro funds) to dynamic tools (life insurance, PEA, real estate, private equity) and introduces high-impact solutions like carbon quotas with Homaio. Whether you’re planning for retirement, buying property, or simply growing your capital, this article provides a clear roadmap to build a balanced, future-ready portfolio that aligns performance with purpose.

July 27, 2025

All About Hydrogen ETFs: Analysis, Comparison, and Outlook

Hydrogen ETFs offer an accessible and diversified way to invest in one of the key technologies driving the energy transition. These index funds group companies across the hydrogen value chain—producers, fuel cell developers, infrastructure providers—allowing investors to capture growth without betting on a single stock. This article explains how they work, compares leading ETFs available in Europe (like those from Amundi, VanEck, BNP Paribas), and helps you choose based on risk, fees, ESG criteria, and diversification. It also shows how combining hydrogen ETFs with carbon quota investments via Homaio can amplify both climate impact and portfolio resilience.

July 25, 2025

Investing in Green Funds: Contributing to a Sustainable Future

This article explores green investment funds, highlighting how they channel capital towards projects with positive environmental impact, from renewable energy to sustainable infrastructure, all while aiming for profitability. It details various types of green investments, including socially responsible investment funds, green bonds, green index funds, sustainable life insurance, green savings plans, green private equity funds, and sustainable real estate crowdfunding. The piece emphasizes the financial performance of green funds (often outperforming traditional counterparts) and outlines additional benefits like portfolio diversification, reduced long-term risks, and tangible environmental impact. It provides guidance on choosing the right green fund by assessing ESG integration, looking for recognized labels, and analyzing portfolio composition. Finally, it reinforces that green investment is a growing, strategic pillar of finance, offering accessible ways to contribute to a sustainable economy.

July 19, 2025

How to start investing?

This guide helps beginners navigate investing, highlighting its role in fighting inflation, generating income, and securing your financial future. It emphasizes the importance of defining financial goals and understanding your investor profile before starting. A key takeaway is the risk-return relationship, urging caution against promises of high, risk-free returns. Practical advice includes diversifying your portfolio across assets like stocks, bonds, and real estate, and avoiding common mistakes such as confusing speculation with investment or letting emotions guide decisions. The guide also covers popular options like ETFs for easy diversification and promotes sustainable investing. Ultimately, it assures that investing is accessible even with a small budget, stressing consistency and a long-term strategy.

July 16, 2025

How to Save for Retirement

Preparing for retirement is crucial for securing your financial future. This article explores key strategies and top investment options, including life insurance, the PER (Retirement Savings Plan), real estate (SCPIs), and the PEA (Equity Savings Plan). We also highlight green investments with SRI labels, such as SRI life insurance and PERs, green ETFs, green bonds, green SCPIs, sustainable real estate crowdfunding, and Homaio's innovative carbon quota market solution. Learn how to adapt your savings strategy based on your age to maximize returns and secure a comfortable future, all while contributing to the ecological transition.

July 7, 2025

How to Invest €100,000 in 2026: A Complete Guide to Optimizing Your Investments

How to optimize your €100,000 in 2025? This comprehensive guide helps you navigate investment options, from secure savings accounts to dynamic placements like carbon quotas. Learn how to assess your profile, understand 2025 market trends, and implement a diversified strategy, while avoiding common mistakes, to grow your capital.

July 3, 2025

What's the Difference Between Stocks and Bonds?

Stocks and bonds are the pillars of many investment portfolios, but they differ fundamentally. Stocks represent a share of ownership in a company, offering high but uncertain return potential through dividends or capital gains. Bonds are debt instruments where the investor lends money in exchange for regular interest and capital repayment, offering more stability but lower returns. The choice between the two depends on your risk profile, investment horizon, and financial goals, with diversification often combining these two assets as the most recommended strategy.

June 20, 2025

Sustainable ETFs: How to Invest in Responsible Funds in 2026

Looking for the best Green funds for 2026? We've ranked the top 10 Sustainable ETFs based on performance, fees, and impact. Find out which funds made the cut and how to combine them with Carbon Allowances for a truly diversified portfolio.

June 15, 2025

Where to Invest Your Money Outside of Banks

This article shows you how to invest outside traditional banks for better returns and control, especially since standard savings accounts often lose to inflation. It covers key factors like your goals, risk tolerance, taxes, and liquidity. You'll find diverse non-bank options, including real estate (direct, SCPIs, crowdfunding), gold, non-bank life insurance and ETFs, and cryptocurrencies. The article also highlights green and sustainable investments (ISR funds, green ETFs, bonds, eco-crowdfunding, greentech FCPRs) and introduces the Carbon Market (ETS), explaining how platforms like Homaio offer direct CO₂ reduction. Ultimately, it's a guide to diversifying your wealth and securing your financial future beyond the banking system.

June 12, 2025