Taking control of your finances and your future often means looking beyond traditional banking. This isn't just a niche idea; it's a growing trend. Why? Because the returns from typical bank savings accounts like the Livret A, LDDS (Sustainable Development and Solidarity Savings Account), and LEP (Popular Savings Account) are often too low to even keep up with past inflation. In many cases, non-bank investment options offer much better returns. So, what are your choices? Let's explore the possibilities.
Key Considerations Before Investing Outside of Banks
Before diving into the various non-bank investment opportunities, there are several crucial aspects you need to consider.
Your Goals, Profile, and Investment Horizon
Start by defining your investment goals. What do you hope to achieve? Do you want to fund medium-term projects? Generate long-term income, perhaps to supplement your retirement? Maybe both? Answering these questions will help guide you toward the right type of investment.
Risk Tolerance
The higher the potential for capital loss, the higher the potential for returns, and vice-versa. Understanding your risk tolerance is crucial for choosing investments that match your investor profile. Non-bank alternatives span a wide spectrum, from guaranteed euro funds to ultra-volatile cryptocurrencies.
Knowing yourself and the potential consequences of a loss is the best way to cushion market turbulence.
Considering Taxation and Liquidity
The tax implications of investments and the liquidity of each asset are two key parameters to consider. Optimizing taxes helps protect your returns, while liquidity ensures you can access your funds quickly. By combining these, investors can access alternative assets—like real estate, precious metals, or private equity—while managing cash flow and costs effectively.
Overview of Non-Bank Investment Categories
Non-bank investment options are numerous and diverse, ranging from traditional real estate to the carbon quota market, and including ETFs, among others. Their main advantage is offering superior returns compared to traditional bank savings accounts.
Real Estate: Still a Go-To Investment Solution
Real estate continues to hold a prime position in French wealth management strategies. And investing directly in property, without needing a bank loan, is a growing trend.
Buying a studio or garage outright, for example, avoids bank intermediation. The rental income generates revenue that amortizes the investment, and the property's value can also appreciate.
SCPIs (Real Estate Investment Trusts)
Real Estate Investment Trusts (Sociétés Civiles de Placement Immobilier SCPIs in French) allow you to acquire shares in mutualized professional rental properties. The average return in 2024 makes a strong case for this type of investment: between 4% and 5%, or even more. SCPIs are also accessible to investors due to their low entry point, often just a few hundred or thousand euros. Plus, when SCPI shares are part of a life insurance contract, they benefit from reduced taxation.
Real Estate Crowdfunding
With entry tickets starting from €1,000, real estate crowdfunding lets you lend money to developers outside the traditional banking system. Platforms like Monego, Baltis, and La Première Brique are projecting returns between 9% and 11% for 2025.
Precious Metals: Physical Gold
Alongside real estate, precious metals remain a safe haven, especially during periods of monetary instability. Buying gold bars and coins allows for a complete exit from the banking system. Since 2019, the price of gold has doubled.
Be aware of taxation, however: upon resale, you can choose between a flat tax on precious metals (11.5%) or a capital gains tax, with a progressive abatement after 3 years and full exemption after 22 years.
Life Insurance Opened with an Insurer or Online Broker
Life insurance policies aren't exclusively offered by banks. Players like Nalo, Linxea, or Yomoni offer products not directly linked to your bank. In 2024, euro funds showed an average return of 2.5%, with capital guarantee.
ETF (Exchange Traded Funds)
ETFs provide access to major global indices (S&P500, MSCI World, etc.) with fees often ranging from 0.3% to 0.5% per year. You can buy them via a securities account, a PEA (Share Savings Plan), or a life insurance policy. A globally diversified ETF portfolio can generate between 4%, 7%, and even 10% annual returns.
Cryptocurrencies: Decentralized but Highly Volatile Assets
Cryptocurrencies like Bitcoin or Ethereum offer a radical departure from the banking world. In 2024, after a correction period, Bitcoin showed a +120% increase over one year. However, the risk exposure is fundamentally very high.
Investing Your Money Outside of Banks Through Green Investment Solutions
You can also invest your money outside of banks through green investments. It's now possible to combine financial performance with a positive environmental and social impact, thanks to an increasingly broad range of certified green and sustainable products.
Sustainable Investment Vehicles
ISR Life Insurance: Flexibility, Taxation, and Sustainability
Life insurance remains one of the favorite investments for French people. In addition to its tax and inheritance advantages, it's being reinvented through ISR-labeled contracts, which combine returns with impact. By opting for unit-linked funds invested in sustainable funds, you can build a portfolio consistent with your values. The most innovative contracts on the market, such as those offered by Goodvest or Moka, even provide a 100% sustainable allocation.
PEA (Share Savings Plan) with an ISR Focus: Investing in Sustainable Stocks
The Share Savings Plan (Plan d’Épargne en Actions or PEA in French) can also be oriented toward responsible investments. By selecting ISR, Greenfin, or ESG-labeled stocks or funds, you can support listed companies committed to the energy transition, clean technologies, or the circular economy. Beyond the ecological and social benefits, the PEA retains its tax advantages after five years of ownership. This investment therefore combines potential performance with ethical commitment, without compromise.
Green ETFs: Simplified Access to Sustainable Indices
Green ETFs (Exchange Traded Funds) offer broad and diversified exposure to responsible markets. These listed index funds replicate the performance of indices composed of companies selected for their contribution to the ecological transition. ETFs can be integrated into a PEA or a securities account.
Green Bonds: Supporting Ecological Projects Through Debt
Green bonds are debt securities exclusively designed to finance ecological projects. These bonds particularly attract institutional investors, who are drawn to their stable returns and ethical framework. This type of investment is an attractive solution for savers seeking stability while participating in the energy transition.
Ecological Crowdfunding: Local and Green Investing
Crowdfunding is also going green. Platforms like Lendosphere, Enerfip, or Solylend allow individuals to invest directly in renewable energy projects: solar farms, wind farms, biomass installations, etc. The investor chooses the projects, the amount, and the duration of their commitment.
Responsible Real Estate: Green SCPIs and Energy Renovation
Some SCPIs specialize in eco-responsible properties. This is the case for Novaxia R or Kyaneos Pierre, which invest in buildings to be renovated into high-energy performance housing. These investments offer stable rental income, long-term asset appreciation, while actively contributing to the energy transition of the French real estate stock.
Greentech FCPRs: Betting on Green Innovation
FCPRs (Fonds Communs de Placement à Risques) specializing in greentech are a bold avenue. These funds invest in innovative startups in the environmental sector (energy efficiency, recycling, green mobility, etc.). While the potential for appreciation is significant, these products remain risky: capital is not guaranteed, and investment horizons are long. But they allow you to support innovation at its source, where it is most promising.
The Carbon Quota Market: Towards a New Era
The carbon market is now central to the global energy and ecological transition. It's a powerful lever for reducing greenhouse gas emissions by setting an emissions cap for companies and allocating them rights to emit a limited amount of CO₂.
What is a Carbon Allowance?
A carbon allowance or emission allowance is a right to emit a defined quantity of carbon dioxide. This allowance system is at the heart of climate policies in many countries, particularly in Europe with the EU Emissions Trading System (EU ETS). These allowances are limited and progressively reduced over time, which incentivizes companies to cut their emissions.
Investing in this market, which was long reserved for large corporations and institutions, is now accessible to individuals through innovative platforms like Homaio.
Homaio offers individual investors a simplified and transparent entry into this complex market. By providing financial products directly based on carbon allowances, Homaio lets you convert your savings into concrete action to reduce emissions. When you buy an allowance with Homaio, you're directly supporting a real reduction in atmospheric CO₂. That's because these allowances are retired from the market once acquired by the platform or its clients, which in turn limits global emissions.
Homaio's approach addresses a growing need: for green finance that can demonstrate a real, measurable impact. While traditional ESG finance is sometimes criticized for its lack of transparency and tangible effectiveness, Homaio places physical proof and measurement at the core of its model.
For investors, this guarantees that their capital isn't just funding "green" projects on paper, but actively contributing to reducing global emissions. This innovative approach marks a turning point: green finance can no longer settle for mere compliance; it must deliver verifiable physical results.
Putting your money outside of traditional banks is a way to regain control over your capital in a world where banks are no longer the sole gateway to assets.
In Summary: Where to Invest Your Money Outside of Banks?
While traditional bank product returns struggle to keep up with inflation, more and more savers are looking for alternatives to invest their money outside the traditional banking system. But how do you navigate the diversity of existing options? What are the advantages—and precautions—to take? Here's what you need to remember.
Direct Real Estate: Property Remains a Safe Haven
Buying real estate without a bank loan is becoming an increasingly common reality. This could be a studio, a garage, or a larger property, purchased outright. This type of investment generates rental income while benefiting from the property's potential appreciation. It's a tangible and secure way to invest outside the banking system.
SCPIs (Real Estate Investment Trusts)
SCPIs allow you to buy shares in a professional real estate portfolio. Average returns range from 4% to 7%, or even more. SCPIs are accessible with a few hundred or thousand euros, and integrating them into a life insurance policy offers significant tax advantages.
Real Estate Crowdfunding
Starting from €1,000, you can finance real estate projects via participatory platforms. Projected returns are around 9% to 11% per year.
Precious Metals
Buying gold is a safe haven, particularly popular during periods of economic turbulence. However, taxation upon resale can be substantial (flat tax or capital gains).
Non-Bank Life Insurance
Independent insurers and online brokers like Nalo or Linxea offer life insurance contracts not tied to banks. They combine security (guaranteed capital euro funds, around 2.5% return), diversification (ETFs, unit-linked funds), and advantageous taxation after 8 years.
Stocks and ETFs
Through securities accounts and PEAs, investors can access all stock markets. ETFs are particularly valued for their low fees and performance: a diversified portfolio can generate 7% net annual return.
Cryptocurrencies
Cryptos like Bitcoin or Ethereum offer a radical alternative to the banking system. Their digital wallets can be stored offline, free from any intermediation. However, their extreme volatility makes them an asset reserved for informed investors, and should be limited to a small portion of one's assets.
Responsible Investing
Another way to move away from banks is to direct your investments toward sustainable products. Several options allow for this.
ISR Life Insurance
Some life insurance policies offer 100% sustainable unit-linked funds. Contracts like those from Goodvest or Moka allow savers to know exactly which environmental or social projects their money is invested in.
ISR PEA
By choosing ISR, ESG, or Greenfin-labeled stocks or funds in a PEA, it becomes possible to support companies committed to the ecological transition, while benefiting from the tax advantages of the share savings plan.
Green ETFs
They replicate the performance of sustainable indices. They can be integrated into a PEA or a securities account. Their broad diversification and low fees make them an ideal tool for savers who want to invest simply and effectively in green finance.
Green Bonds
These debt securities are used exclusively to finance ecological projects. They are attractive due to their stability and measurable impact.
Ecological Crowdfunding
Platforms like Enerfip or Lendosphere allow direct investment in renewable energy projects (solar, wind, biomass). This investment method is increasingly popular.
Green SCPIs and Responsible Real Estate
Some SCPIs, like Kyaneos or Novaxia R, specialize in high-energy performance housing. An investment vehicle that combines rental income and an active contribution to the energy transition of the French real estate sector.
Greentech FCPRs
Risk Capital Mutual Funds (FCPRs) focused on greentech startups allow you to bet on sustainable innovation. They offer high return potential, but with a significant level of risk.
The Carbon Market with Homaio: A New Frontier in Green Finance
Thanks to Homaio, individuals can now buy carbon allowances, which are then retired from the market. This has an immediate effect on reducing CO₂ emissions. Unlike some ESG approaches criticized for their opacity, this system relies on tangible and measurable proof of environmental impact.
Homaio thus embodies a new era of green finance – one that's rigorous, transparent, and connected to real-world results. For investors looking to balance returns with clarity and social utility, this approach offers a credible and innovative solution.
