J’ai de l’argent, dans quoi j’investis?

ParSoulaimane

Avant de parler d’investir, il est important de savoir si vous pouvez vous permettre d’investir. Imaginons que vous ayez 1000€ de côté à investir, la première question qu’on se pose souvent c’est dans quoi dois-je investir ?

Êtes-vous prêt à investir ?

La réponse que je vous donnerai c ‘est « Êtes-vous prêt à investir » ? Je suis convaincu que n’importe qui peut investir mais il est important de commencer par s’éduquer d’abord pour pouvoir tenir vos investissement dans le temps (un sujet dont je parlerai plus tard est l’importance d’investir régulièrement et surtout pendant longtemps !). Au lieu de chercher à « faire un coup », faire x10 en un an,… il faudra investir comme les plus riches en visant le long terme !

Pour vous aider à répondre à cette question, je vous donne 3 points de réflexion:

  • Où en êtes-vous dans la gestion de votre argent ?
  • Définir son projet d’investissement
  • Pourquoi investir ?

Gestion de votre argent

La première étape est de définir votre relation à l’argent et cela passe par une analyse de votre budget : quels sont mes rentrées d ‘argent et quelles sont mes dépenses ?

L’idée n’est pas de commencer à noter chaque euro dépensé mais d’avoir une idée globale.

Par exemple, si vous gagnez 1500 euros, il faudra définir la somme dont vous avez besoin chaque mois (loyer, électricité, assurance,…).

Avec le reste, il est important de ne pas investir tout le reste mais de garder une partie pour vos loisirs. En effet, il faut profiter de son argent et ne pas se priver de tout pour investir. Je dirais même que c’est une façon de s’assurer que vous allez tenir vos investissements dans le temps (je rédigerai un article juste sur ce sujet tellement c’est important).

Une règle de gestion que vous je vous invite à rechercher est la règle des 50/30/20 :

  • 50 % pour vos dépenses obligatoires (loyer, eau, électricité,…)
  • 30 % pour vos loisirs (sports, vacances, voyages, restos,…)
  • 20 % pour investir.

Si on applique cela à 1500€ :

  • 750€ pour vos dépenses obligatoires
  • 450€ pour vos loisirs (sports, vacances,..)
  • 300€ pour investir

C’est une règle générale mais cela permet d’aider a mettre de l’ordre dans vos dépenses. Cette règle n’est pas idéale. Elle ne prend pas en compte les dettes par exemple. Elle doit être aussi modifié pour avoir aussi une partie pour des dons et des bonnes actions.

Ne restez pas bloquer sur la règle des 50/30/20, l’idée est de vous forcer à regarder dans vos dépenses et de comprendre comment votre argent est dépensé. Vous devez pouvoir répondre à la question : Combien puis-je investir chaque mois de façon certaine ?

Cette étape de gestion est primordiale ! Sans ça, c’est comme si vous vous conduisez à l’aveugle sans savoir ce que vous pouvez faire et vous risquez d’arrêter d’investir, ce qui serait dramatique… ou investir de l’argent dont vous avez besoin…

Dans le prochain article, je vous parlerai du second point qui est de bien définir ses projets d’investissements.

Pour rappel, je e ne suis pas un conseiller en investissement ! Je ne fais que partager mon aventure d’investisseur !

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