Investing & personal finance
Our guides to investing, saving and personal finance
Livret A or LDDS: Key Tips to Choose Your Savings in 2025-2026
Livret A and LDDS are secure, tax-free savings accounts offering the same interest rate (2.40% in 2025) and full capital liquidity. While Livret A has a higher ceiling (€22,950 vs. €12,000), LDDS supports sustainable development projects. The best strategy? Combine both to maximize your secure savings. Once full, diversify with tools like life insurance for higher returns—or opt for impactful investments like carbon quotas with Homaio to give your savings a climate-positive role. These accounts are a solid start, but not the end of your financial journey.
September 26, 2025
Social Bonds: When Finance and Social Impact Meet
This article explores Social Bonds, hybrid financial instruments that combine private investment with social impact. Detailing their operation, from identifying a social problem to setting measurable goals, it highlights their key role in solving societal issues. The article provides a global tour of successful projects, from the UK to the US, while also addressing challenges related to impact measurement and the "financialization" of social action. It also offers concrete ways for individuals to invest in these initiatives through solidarity funds and crowdfunding platforms, emphasizing that Social Bonds are poised for a bright future as a tool for tomorrow's finance.
September 23, 2025
Investing Your Money: 6 Mistakes to Avoid
Successful investing doesn’t happen by chance. Lack of strategy, poor diversification, or emotional decisions can undermine your efforts. Discover the 6 common mistakes to avoid to build a strong and reliable portfolio.
September 19, 2025
Small Investments That Pay Off: Winning Tips and Strategies
You don’t need thousands to start investing. This article shows how to grow wealth step by step—even with just €50 or €100 per month. It explains how to build a diversified portfolio using ETFs, “paper” real estate, and impact assets like carbon quotas. It also covers key principles: separating saving from investing, investing regularly, and choosing tax-advantaged wrappers like the PEA or life insurance. Whether you're new to finance or just short on capital, this guide empowers you to take action and build meaningful, long-term wealth—without sacrificing accessibility or impact.
September 16, 2025
Green Savings: A Practical Guide to Impactful & Informed Investing
Popular among the French, green savings allow individuals to support the ecological transition without sacrificing financial returns. However, to choose the right savings product and avoid the pitfalls of greenwashing, it is essential to be informed. The reward: savings that are performing, resilient, and have a measurable environmental impact.
September 5, 2025
Profitable Eco-Friendly Investments: Your Guide to a Sustainable Future
Can your savings serve both your future and the planet? Absolutely. This article demystifies green investing—explaining why ecological placements are not only impactful, but increasingly profitable. From ETFs to green bonds, real estate to crowdfunding, and innovative assets like carbon quotas via Homaio, it shows how to build a resilient, diversified portfolio with measurable impact. You’ll learn to spot greenwashing, leverage tax wrappers, and match your budget to your convictions. Whether you invest €100 or €10,000, this guide helps you turn your capital into a driver of ecological transition—without compromising returns.
September 4, 2025
Optimize Your Green Investments in 2025
This guide explores how to invest with impact, showing how sustainable finance can align returns with environmental and social responsibility. You’ll learn to navigate key concepts—SRI, green finance, solidarity finance—and discover tools to build a resilient and meaningful portfolio. It covers labels to trust, sectors to watch, and innovative solutions like carbon quotas offered by Homaio. With clarity on risks, transparency, and real impact measurement, this article empowers you to use your savings not just to grow wealth, but to support a just and low-carbon future.
September 1, 2025
Understanding and Choosing Ethical Investments
This article guides you through the world of ethical investing—what it really means, how to avoid greenwashing, and which tools to choose based on your personal values and goals. You’ll learn to decode key concepts like SRI, ESG, and Greenfin, compare strategies (“best-in-class” vs. “best-effort”), and understand the risks and benefits of various solutions: ETFs, life insurance, crowdfunding, green savings, or carbon quotas. Whether you're starting small or seeking high-impact investments, this guide helps you take control of your finances—transparently, consciously, and in line with the world you want to help build.
August 25, 2025
Green Investments: The Complete 2026 Guide to Performance and Real Impact
In 2026, the paradigm of green investing has shifted from a niche preference to a structural necessity for wealth diversification. While traditional ESG frameworks often struggle with transparency and real-world results, a new generation of climate finance tools is allowing investors to move beyond labels and toward measurable impact. This guide explores the evolving landscape of sustainable assets, analyzing how institutional-grade instruments—specifically the European Union’s carbon allowance market—now offer private investors a unique path to hedge against climate risk while financing industrial decarbonization. By integrating these high-conviction assets into a portfolio, investors can finally align financial performance with a rigorous net-zero trajectory.
August 22, 2025