Where to Invest in 2026: Asset Classes, Promising Sectors, and Strategies

Updated on July 7, 2026, by Thibaut Guéant, co-founder of Landquire

The investment landscape in France presents a unique picture. After several years marked by inflation, rising interest rates, and market volatility, investors must now adopt a more selective approach. For French-speaking savers and investors, the central question remains: Where should one invest today to protect one’s capital, diversify one’s portfolio, and seek returns?

The answer cannot be limited to a list of investments. A good investment always depends on an investor’s profile, time horizon, risk tolerance, personal tax situation, and liquidity needs. A 1,000-euro investment is not structured the same way as a 100,000-euro investment. A conservative investor should not think like a sophisticated investor who is able to tie up their capital for several years.

This guide provides a comprehensive overview of the wealth management solutions available in 2026: financial markets, stocks, ETFs, bonds, life insurance, rental real estate, SCPIs, alternative investments, cryptocurrencies, private equity, and U.S. real estate. The goal is not to recommend a single investment, but to help readers understand which asset class may be best suited to their individual circumstances.

How can you decide what to invest in in 2026?

Before looking for the best investment, you should establish a clear framework based on your personal circumstances. Investing isn’t just about picking a trend or a trendy asset. It involves ensuring that an investment vehicle aligns with your financial goals, investment horizon, and acceptable level of risk.

Precautionary Savings Versus Investment

It is important to distinguish between savings and investments. Savings consist of funds that are readily available and offer a high level of security. They are used to cover unexpected expenses, day-to-day costs, or upcoming projects. Regulated savings accounts such as the Livret A (with a deposit limit of €22,950), the Livret de Développement Durable et Solidaire (LDDS, with a limit of €12,000), or the LEP fulfill this role of providing security and liquidity.

Investing involves accepting a certain amount of risk in exchange for the prospect of higher returns over the medium or long term. Therefore, the funds invested should not be needed in the short term. You must be able to withstand—both financially and psychologically—a temporary or sustained decline in the value of your investment.

The best approach is generally to first build up an emergency fund, and then gradually invest any available surplus based on your investment profile.

The Four Pillars of Wealth Management Decisions

The decision to make an investment is based on four pillars.

Pillar	A question to ask yourself	Example
Time Horizon	When will you need to withdraw your principal?	2 years, 5 years, 10 years, or more
Wealth Management Objective	Are you looking for income, growth, or protection?	Supplemental Income, Retirement, Estate Planning
Risk tolerance	What temporary decline can you accept?	5%, 15%, 30%, or more
Personal Taxation	Which budget is right for your situation?	PEA, CTO, life insurance, PER, real estate

An investor looking to invest money for 18 months does not have the same options as an investor planning for retirement in 20 years. Similarly, an investor who refuses to tolerate any volatility cannot aim for the same returns as an investor willing to accept the risk of a loss of principal.

The Macroeconomic Context in 2026

The current financial environment calls for greater selectivity. The era of very cheap money is behind us. Interest rates have returned to normal levels compared to the 2010s, which is reviving interest in certain bond instruments and euro-denominated funds, while requiring greater discipline in real estate and equities.

Inflation also remains a key factor. An investment must be evaluated in terms of real return—that is, after accounting for inflation, fees, and taxes. A stated return may be insufficient if inflation, fees, and taxes eat up most of the performance.

So the question isn’t just, “What should I invest in in 2026?” The real question is, “What asset allocation is right for my capital, my time horizon, and my risk tolerance?”

Investing in the Financial Markets

Financial markets offer the simplest and most liquid access to global economic growth. They allow investors to invest in stocks, ETFs, bonds, mutual funds, or diversified funds through various investment vehicles, such as the PEA stock savings plan, a standard securities account, a multi-asset life insurance policy, or the PER.

Investing in the Stock Market Through Stocks and ETFs

Buying stocks allows you to own a stake in the capital of publicly traded companies. An investor can buy individual stocks—for example, LVMH to gain exposure to the French luxury sector, or Nvidia to gain exposure to U.S. technology and artificial intelligence. These examples are factual and do not constitute a recommendation to buy.

Selecting individual stocks requires time, analytical skills, and a high tolerance for volatility. A company may report poor earnings, be affected by a regulatory change, or see its market value decline.

ETFs, or exchange-traded funds, allow investors to invest in a basket of stocks. An MSCI World ETF provides exposure to many major global companies. An S&P 500 ETF tracks the leading U.S. companies. A CAC 40 ETF tracks the major French stocks. This approach offers immediate diversification, often with lower fees.

Stocks and ETFs can be held in different investment accounts.

Envelope	Usage	Points to Watch For
PEA Action Plan	European stocks and certain eligible ETFs	Contribution limit of €150,000 (€225,000 when combined with a PEA-PME), limited scope
Standard Securities Account (CTO)	Wide access to global markets	Taxation is often less favorable
Multi-asset Life Insurance	ETFs, mutual funds, and unit-linked products (depending on the contract)	Contract fees, choice of investment vehicles
PER	Retirement Planning	Savings that are generally locked in until retirement

Over the long term, stock markets have historically outperformed safe investments. However, this performance is accompanied by declines that can sometimes be significant. The AMF reminds investors that past performance is not indicative of future results. This disclaimer should be taken seriously: no historical data can guarantee a future return on an investment.

For a beginner investor, a gradual strategy using diversified ETFs and regular contributions may be easier to understand than selecting individual stocks. The goal is to build long-term exposure without relying on a single stock or a single entry point.

Bonds and Mutual Funds

Bonds are debt securities issued by governments or companies. Investors lend money in exchange for a coupon payment and repayment at maturity, unless the issuer defaults.

Government bonds are generally considered more defensive than stocks, but they are not without risk. Their value can decline when interest rates rise. Corporate bonds may offer higher yields, but they carry a higher credit risk.

Mutual funds, or collective investment schemes, allow investors to invest in a portfolio managed by professionals. They can be money market, bond, equity, diversified, or thematic funds. The advantage of using them is that they allow you to delegate part of the investment selection process, but it is important to compare their fees, strategies, track records, and risk levels.

In a well-balanced portfolio, bonds and mutual funds can help reduce overall volatility. However, they should not be considered risk-free investments. Their role depends on the investor’s profile, investment horizon, and the interest rate environment.

Investing in Multi-Asset Life Insurance

Life insurance policies remain one of the most popular investment vehicles among the French. They allow policyholders to allocate their capital between euro-denominated funds and unit-linked funds.

Euro funds offer a capital guarantee from the insurer, excluding fees and subject to the specific terms of the contract. Their returns vary significantly depending on the insurer, the bonus policies, and the fund’s composition. They may be suitable for the conservative portion of an investment portfolio.

Unit-linked products allow you to invest in stocks, ETFs, bonds, real estate funds, or diversified investment vehicles. They offer the potential for higher returns, but involve the risk of capital loss.

Life insurance also offers tax benefits after eight years of ownership, with an annual tax deduction on withdrawn earnings (€4,600 for a single person, €9,200 for a married couple filing jointly). It can be managed independently by self-directed investors or through an advisory service for those who wish to delegate investment decisions.

This savings plan can also be used to supplement a PER. Life insurance offers greater flexibility, while a PER is primarily intended for retirement planning and provides more limited access to the principal.

Investing in Real Estate

Real estate continues to play an important role in the assets of the French. It is valued for its tangible nature, its potential for regular income, and its ability to diversify a portfolio beyond the financial markets.

But investing in real estate isn’t just about buying an apartment to rent out. There are several options available: direct rental property investment, SCPI, real estate through life insurance, real estate crowdfunding, or U.S. real estate investment.

Investing in Direct Rental Real Estate

Investing directly in rental real estate involves purchasing a property to rent out. This could be a studio apartment, a family apartment, a furnished property, a renovated older home, or a property located in a major city such as Paris, Bordeaux, Lyon, Nantes, Toulouse, or Marseille.

The main advantage of direct real estate investment lies in the leverage provided by a loan. Investors can purchase a property for more than their down payment and gradually repay the loan using rental income and their savings.

However, the yield should be analyzed with caution. It is important to distinguish between gross yield and net yield. The net yield takes into account expenses, property taxes, management fees, repairs, rental vacancies, insurance, financing, and taxes.

A property with an attractive gross return can become unprofitable if operating expenses are high or if tax implications are not properly anticipated. Conversely, a property that is well-purchased, well-located, and well-managed can help build long-term wealth.

Taxation plays a central role. Income may be taxed as property income or under the LMNP status for furnished rentals. The actual income method sometimes allows for the depreciation of certain items and a reduction in the tax on rental income, depending on the investor’s situation.

However, direct rental property investment takes time. Finding a property, securing financing, making renovations, selecting a tenant, managing the property, dealing with potential rent delinquencies, and considering tax implications are all factors that must be taken into account before investing.

Real Estate Investment Trusts (SCPI)

To avoid the burdens of direct management, SCPIs (civil real estate investment companies) allow investors to invest in a pooled real estate portfolio: offices, retail, healthcare, logistics, residential properties, or diversified assets.

Investors purchase shares and receive a share of the rental income, after expenses and management fees. The main advantage lies in risk diversification: the risk is not concentrated on a single property or a single tenant. On the other hand, SCPIs remain long-term investments, often with significant entry fees and lower liquidity than an ETF or a publicly traded stock.

The average return on SCPIs varies by year, sector, and the quality of the assets held. It should always be analyzed on a net-of-fees basis, taking into account applicable taxes and potential changes in the price of shares.

SCPIs may therefore be suitable for investors who wish to gain exposure to real estate without directly managing rental properties, provided they are willing to accept a long-term holding period and the risk of capital loss.

U.S. Real Estate

In an article addressing the question “where to invest,” U.S. real estate deserves special mention. It is based neither on financial markets, nor on traditional rental management, nor on the logic of rental yields. Rather, it is aimed at savvy investors seeking tangible, international diversification that is uncorrelated with some of the constraints of traditional real estate.

Direct land acquisitions in the United States—particularly in areas with strong population growth, such as Texas—can fit this strategy. The principle involves acquiring undeveloped or undervalued land and then maximizing its value through administrative and operational processes known as land entitlement.

Land entitlement may include an analysis of potential uses, site development, zoning changes, access roads, utility connections, or site preparation for resale to local builders or operators.

Landquire focuses on this specific asset class, assisting French-speaking investors in acquiring and developing land in the United States, particularly in Texas. The goal is not to present U.S. real estate as the best universal answer to the question “what to invest in,” but rather as a diversification option worth considering for savvy investors.

LandQuire: Secrets of Real Estate Investing in the United States

This strategy is generally based on a short cycle of 18 to 24 months, with no rental management or construction work undertaken directly by the investor. The potential return comes from the appreciation in the land’s value, not from monthly rental income.

On the other hand, U.S. real estate offers no capital guarantee. It involves illiquidity risk, euro-dollar exchange rate risk, local regulatory risk, and execution risk. It should therefore be reserved for experienced investors as part of a strategy to diversify their portfolios. The documented track record of our closed transactions provides a concrete picture of this cycle, though it should be noted that past performance is not indicative of future results.

To learn more about this topic, you can check out our guide toreal estate investing in the United States, our page on howto invest in the United States, or our analysis of how to diversify your assets internationally.

Summary Table of Asset Classes

Asset Class	Potential return	Risk Level	Liquidity	Recommended time frame	Estimated admission price	Taxation to be examined
Livret A, LDDS, LEP	Low	Very low	Very high	Short term	A few euros	Exemption by Medium
Euro-denominated funds	Low to moderate	Low	Average	Ages 2 to 8	€100 to €1,000	Life Insurance
Individual Actions	High	High to very high	High	Ages 8 and up	Variable	PEA or CTO
Equity ETFs	Moderate to high	High	High	Ages 8 and up	€10 to €500	PEA, CTO, or life insurance
Obligations	Low to moderate	Low to moderate	Moderate to high	3 to 10 years	Variable	CTO, life insurance, funds
SCPI	Moderate	Medium	Low to moderate	Ages 8 and up	Approximately €200 to €1,000 per share	Real estate income or life insurance
Rental Properties	Moderate	Medium to high	Low	10 years and older	Down Payment + Loan"	IR, LMNP, actual tax system
Real estate crowdfunding	High	High	Low	12 to 36 months	1,000 € depending on the platform	PFU (31.4%) or applicable rate
Private equity	High	Very high	Very low	7 to 10 years	Varies by fund	PFU (31.4%), life insurance, or PER
U.S. Real Estate	High	High	Low	24 to 36 months	Depending on the operation	Taxation in France and the United States: An Analysis
Cryptocurrencies	Very high	Very high	High	Long-term speculative	A few euros	PFU (31.4%), cryptoasset regulations

This table provides general guidelines. It does not constitute personalized advice. Each investment vehicle should be evaluated based on its costs, tax implications, risk, liquidity, and suitability for your profile.

As of January 1, 2026, the flat tax rate (PFU) on investment income (crowdfunding, cryptoassets, and private equity outside the tax allowance) is 31.4% (12.8% income tax + 18.6% social security contribution), following the increase in the CSG under the 2026 Social Security Financing Act.

Note: Life insurance, meanwhile, remains at 30% (17.2% PS)

Investing in Alternative Investments

Alternative investments include assets that do not fall directly under the categories of listed stocks, traditional bonds, or savings accounts. They can enhance diversification, but they require a thorough understanding of the associated risks: illiquidity, fees, default risk, volatility, and valuation challenges.

Private Equity and Growth Capital

Private equity involves investing in unlisted companies. It can take the form of growth capital, succession capital, or specialized funds. The goal is to contribute to the growth of companies prior to their eventual sale, initial public offering, or succession.

This asset class may aim for high returns, but capital is generally tied up for several years. There is a real risk of capital loss, as not all of the companies that receive funding are successful. Private equity is therefore best suited for investors who are able to tie up a portion of their assets for the long term.

Real Estate Crowdfunding and Crowdfunding

Real estate crowdfunding, or participatory financing, allows investors to lend funds to a real estate developer to finance a development, renovation, or improvement project. In return, investors aim to achieve a target return over a period that typically ranges from 12 to 36 months.

This type of investment may offer attractive potential returns, but it carries a high level of risk. Delays, difficulties in bringing the project to market, rising costs, developer default, or a downturn in the real estate market could affect repayment.

Before investing, you should analyze the platform, the operator, the legal structure, the guarantees, the permit, the pre-commercialization stage, and the project’s actual timeline.

Raw materials, precious metals, wines, and art

Commodities and precious metals can serve as a means of diversification. Gold, for example, is often viewed as a safe-haven asset during periods of market stress. Industrial metals such as copper, lithium, and uranium may be linked to structural trends: electrification, the energy transition, the nuclear industry, and batteries.

These assets do not necessarily generate regular income. Their performance depends heavily on supply, demand, the dollar, geopolitical tensions, and economic cycles.

Wines, art, and collectibles can also be considered alternative investments. However, they require specific expertise, the ability to authenticate items, appropriate storage conditions, and a clear resale strategy.

Cryptocurrencies and Cryptoassets

Cryptocurrencies such as Bitcoin (BTC) and Ethereum (ETH) remain highly volatile assets. They can experience sharp rises, but also sudden drops. They should therefore not be considered safe investments.

For some investors, cryptoassets may represent a small, separate portion of their portfolio. The DCA approach—that is, making periodic purchases of fixed amounts—helps smooth out the entry point, but it does not eliminate the risk of loss.

It is essential to use regulated platforms and to understand asset custody, fees, taxation, and technological risk. Cryptoassets should remain proportionate to one’s overall net worth.

To learn more about this approach, check out our guide toalternative investing and our analysis ofhigh-yield investing.

Promising Sectors for Investment in 2026

Beyond asset classes, certain sectors account for a significant portion of investment flows. The goal is not to predict tomorrow’s winners, but to identify the major economic trends that shape the markets.

Technology and Artificial Intelligence

Technology remains a central theme in 2026. Artificial intelligence, semiconductors, data centers, the cloud, cybersecurity, and infrastructure software are attracting significant capital.

Nvidia is a clear example of the markets’ exposure to demand for computing power, particularly in the field of artificial intelligence. However, valuations can be high, and corrections can be sharp. Investors can gain exposure to this sector through stocks, sector ETFs, or thematic mutual funds.

Health and Biotechnology

Healthcare is driven by long-term trends: an aging population, therapeutic innovation, personalized medicine, diagnostics, medical robotics, and digital health.

Biotechnology stocks can offer high potential, but they are often highly volatile. Clinical trial results, regulatory approvals, or reimbursement decisions can significantly influence stock prices. A diversified approach through funds or ETFs can limit the risk associated with a single company.

Energy, Nuclear Power, and Renewables

Energy remains a strategic sector. The energy transition, energy security, power grids, nuclear power, renewable energy, energy storage, and critical raw materials all require significant investment.

Investments in this sector can be made through publicly traded companies, thematic funds, infrastructure investments, or sector-specific ETFs. The sector remains sensitive to policy decisions, commodity prices, and economic cycles.

Defense Industry

The defense industry has once again become a key issue in Europe. Geopolitical tensions, rising military budgets, and the need for sovereignty are bolstering certain companies in the sector.

This theme can be addressed through specialized stocks or funds, but it involves ethical, regulatory, and political risks. Each investor should ensure that this exposure aligns with their convictions and objectives.

Residential Real Estate: A Structural Shortage of Supply

In some areas, the residential real estate market continues to be driven by an imbalance between supply and demand. Demographic pressures, construction constraints, housing needs, and the scarcity of land can support certain markets.

This does not mean that all real estate investments are sound. Location, purchase price, rental demand, financing, tax implications, and the quality of the property remain key factors.

The Relationship Between Return and Risk

Risk Level	Examples of assets	Role in an allocation
Very low	Regulated Savings Accounts	Contingency Savings
Low	Euro-denominated funds, high-quality bonds	Portfolio Stabilization
Medium	SCPI, diversified funds, corporate bonds	Revenue and Diversification
High	Equity ETFs, stocks, rental real estate	Long-term growth
Very high	Private equity, crowdfunding, cryptocurrencies, U.S. real estate	Satellite pocket or sophisticated profile

A sound portfolio does not seek to maximize all returns. It seeks to balance security, liquidity, income, growth, geographic diversification, and the ability to withstand temporary declines.

What to Invest In Based on Your Budget

The available budget has a significant impact on investment strategy. A small investment portfolio must first build a solid foundation. A larger portfolio can incorporate greater diversification, estate tax planning, and illiquid assets.

Invest 1,000 to 10,000 euros

With 1,000 to 10,000 euros, the top priority is to avoid spreading your investments too thinly. First, you should keep an emergency fund in liquid and secure investments.

Next, an investor can begin to gradually build exposure to the financial markets. A global ETF through a PEA or life insurance policy can serve as a simple foundation. Managed life insurance accounts may be suitable for investors who prefer to delegate decision-making.

The DCA method is particularly well-suited to this level of capital. Investing a fixed amount each month helps smooth out the entry point and fosters investment discipline.

Example of a possible approach:

Usage	Possible support	Objective
Security	Livret A, LDDS, LEP	Available Savings
Long-term growth	Global ETF via a PEA or life insurance policy	Equity Diversification
Apprenticeship	Small Themed Pouch	Understanding the Markets

Invest between 10,000 and 100,000 euros

With 10,000 to 100,000 euros, diversification becomes more tangible. Investors can combine multi-asset life insurance, a PEA, ETFs, euro-denominated funds, bonds, SCPIs, and possibly a small allocation to alternative investments.

A core-satellite strategy makes sense. The core of the portfolio consists of diversified, liquid investments that are aligned with the long-term horizon. The satellite portion holds more dynamic investments: growth sectors, real estate crowdfunding, accessible private equity, or cryptoassets.

Example of a possible approach:

Block	Possible media	Role
Prudent Core	Euro-denominated funds, bonds, savings accounts	Stability
Dynamic Core	Global ETFs, PEA, life insurance	Growth
Real Estate	SCPI, indirect real estate investment	Potential Income
Satellite	Crowdfunding, cryptoassets, themes	Higher potential yield

At this level of capital, taxes become a significant factor. The choice between a PEA, life insurance, a PER, and a CTO can affect net after-tax returns.

Invest 100,000 to 500,000 euros

With amounts ranging from 100,000 to 500,000 euros, the focus shifts to wealth management. It is no longer just a matter of choosing a single product, but of structuring a comprehensive, tax-efficient, and diversified investment portfolio. At this level, the PEA limit (€150,000, or €225,000 when combined with a PEA-PME) is generally reached, which requires transferring part of the capital to a regular securities account or a life insurance policy.

Investors can combine financial markets, rental real estate, SCPIs, private equity, U.S. real estate, and international diversification. Some experienced investors may also consider Luxembourg life insurance, particularly for its unique wealth management structure.

U.S. real estate can fit into this framework, provided investors are willing to accept its illiquidity, currency risk, and the fact that it is intended only for sophisticated investors. It is not a substitute for a diversified portfolio. It can complement a strategy for investors seeking tangible, international exposure that is uncorrelated with traditional rental property management.

Example of a possible approach:

Block	Possible media	Objective
Security	Euro-denominated funds, bonds, cash equivalents	Preserving a portion of the capital
Growth	ETFs, stocks, diversified funds	Long-Term Appreciation
Real Estate	Rental Properties, SCPI	Revenue and Tangible Assets
International	Global ETFs, U.S. real estate	Geographic Diversification
Alternative	Private equity, crowdfunding, and limited cryptocurrencies	Potential satellite return

To compare options based on your capital, check out our guide on where to invest your money in 2026, our analysis of the most profitable investments in 2026, and our page on where to invest 100,000 euros.

Sample Allocation Table by Budget

Budget	Conservative estimate	Growth driver	Satellite pocket
1 000 €	Regulated Savings Account	Global ETF via Dollar-Cost Averaging	Very limited
10 000 €	Savings accounts, euro-denominated funds	PEA, ETF, life insurance	Small Themed Pouch
100 000 €	Euro-denominated funds, bonds	ETFs, SCPIs, real estate	Crowdfunding, private equity
500 000 €	Diversified Asset Allocation	Real Estate, Global Markets	U.S. Real Estate, Private Equity, International

These examples do not constitute personalized advice. They illustrate possible asset allocation strategies based on available capital, investment horizon, and risk tolerance.

Investment Strategies to Keep in Mind

Sustained performance does not depend on the selection of a single asset. It depends on a consistent, disciplined investment strategy tailored to the investor’s profile.

Diversify by asset class

Diversification involves spreading your capital across several asset classes: savings accounts, euro-denominated funds, stocks, ETFs, bonds, real estate, real estate investment trusts (SCPI), private equity, real estate investments, or cryptoassets.

This approach avoids reliance on a single driver of performance. If stock prices fall, a bond or real estate portfolio can offset some of the decline. If the real estate market is going through a difficult period, financial markets or international assets can play a complementary role.

Diversify by Geography

Wealth that is too heavily concentrated in France may be highly dependent on taxation, the local real estate market, the national economy, or the eurozone. International diversification provides access to other drivers of growth.

This can be achieved through global ETFs, U.S. stocks, international funds, foreign real estate, or U.S. real estate. However, this diversification involves currency risk, particularly when the assets are denominated in U.S. dollars.

Using the DCA

DCA, or Dollar Cost Averaging, involves investing fixed amounts at regular intervals. In French, this is referred to as “periodic purchases of fixed amounts.”

This method limits the risk of investing all of your capital at the wrong time. It allows you to buy more shares when the markets are down and fewer shares when they are up. It does not guarantee a positive return, but it helps reduce the emotional impact of market volatility.

Building a Core-Satellite Portfolio

The core-satellite strategy involves dividing the portfolio into two parts.

The core of the portfolio consists of the most diversified investments that are consistent with the main objective: global ETFs, euro-denominated funds, bonds, real estate investment trusts (SCPI), and life insurance policies.

The satellite portfolio consists of more specialized or riskier investments: individual stocks, sector-specific ETFs, private equity, crowdfunding, cryptocurrencies, and U.S. real estate—all of which are reserved for experienced investors.

This approach combines a solid foundation of core holdings with opportunities offering potentially higher returns.

Delegating with Guided Management

Managed investment strategies may be suitable for investors who do not wish to select their own investment vehicles. These strategies are available, for example, in life insurance policies, PERs, and investment accounts.

It involves entrusting the allocation to an investment management firm based on a defined risk profile: conservative, balanced, aggressive, or high-risk. Before making a choice, it is important to compare fees, the quality of management, the investment vehicles used, and how well they align with your wealth management goals.

Risks to be aware of before investing

Every investor must accept that there are trade-offs associated with target returns. Understanding these risks is the best protection against making poor decisions.

Risk of Capital Loss

With the exception of certain secure investment vehicles, such as regulated savings accounts or euro-denominated funds (depending on the terms of the contract), the value of an investment may decline. You may lose all or part of your principal.

This risk applies in particular to stocks, ETFs, unit-linked products, real estate investment trusts (SCPI), private equity, real estate crowdfunding, cryptocurrencies, and U.S. real estate.

Market Risk

Market risk refers to a general decline in a market driven by economic, geopolitical, or financial factors: rising interest rates, a recession, a sector-specific crisis, international tensions, or a decline in investor confidence.

Even a good asset can decline in value if the overall market corrects.

Illiquidity Risk

Illiquidity risk refers to the difficulty of quickly reselling an asset. It is particularly relevant to rental real estate, real estate investment trusts (SCPIs), private equity, real estate crowdfunding, and U.S. real estate.

An illiquid asset may force an investor to wait several months, or even several years, before recovering their principal.

Foreign Exchange Risk

Currency risk applies to all investments denominated in a foreign currency, particularly the U.S. dollar. An investment may appreciate in local currency terms but yield a different return once converted to euros.

This risk must be taken into account for U.S. stocks, international ETFs, foreign private equity, and real estate investments in the United States.

Risk of Default

The risk of default applies to bonds, real estate crowdfunding, debt funds, and certain private investments. The issuer or the entity receiving the financing may fail to repay the debt.

This risk requires a thorough analysis of the operator’s financial strength, guarantees, legal structure, and track record.

Tax and Regulatory Risk

Tax laws may change. The rules governing investment income, capital gains, real estate, cryptoassets, or international investments may change.

An investment must therefore be analyzed in terms of its net return, after taking into account fees, taxes, and any regulatory constraints.

Please note that, in accordance with the AMF’s financial disclosure principles, past performance is not indicative of future results and does not constitute a guarantee of future returns.

FAQ: What to Invest In

Diversify Your Portfolio Beyond Traditional Markets

Are you interested in exploring a tangible, international asset class that’s different from traditional financial markets?

Landquire is a French company that assists French-speaking investors in acquiring and developing land in the United States, primarily in Texas. This approach is based on carefully selected real estate transactions, a target investment cycle of 24 to 36 months, and no rental management responsibilities for the investor.

U.S. real estate is not a one-size-fits-all answer to the question “What should I invest in?” However, it can serve as a diversification strategy for savvy investors who are willing to accept illiquidity risk, currency risk, and the absence of a capital guarantee.

The key elements of the Landquire approach:

Element	What this means
Guided Investment	Landquire oversees the selection, acquisition, monitoring, and value-enhancement strategy for the land
Tangible asset	The investment involves real estate located in the United States
Target cycle of 24 to 36 months	The target time horizon is shorter than that of some traditional real estate investments
Lack of rental management	The strategy does not involve renting out a property
Access restricted to experienced investors	Risk, illiquidity, and investment horizon must be understood before making any investment commitment

For more information:

View Current Real Estate Opportunities Explore projects that have already been sold Connect with the Landquire team Meet the Landquire team Read customer reviews