30-Year Investment Strategy to Prepare for Your Financial Future

At 30, we often find ourselves at a turning point in our financial lives. Investing is an essential lever for building a secure future. But where do we start? What investment strategy should we choose at 30 ? Which investments should we prioritize at this age? And above all, how can we avoid the common mistakes that too often hold back young investors?

In this article, I offer a comprehensive guide to investing wisely at 30. We’ll cover strategies tailored to your needs, investment options to consider, and best practices to adopt to maximize your savings.

30-Year Investment Strategy: Defining Your Goals

Before developing a 30-year investment strategy , you should take the time to clearly define your goals. Investing without a clear vision can limit the effectiveness of your strategy and reduce long-term profits.

Whether it’s to prepare for a life project, secure your future, or simply optimize your savings, identifying your priorities is essential to adapting your strategy to your needs. Here, I’d like to take a look at the four main objectives found among savers in this age group.

Building up emergency savings

Before embarking on more complex investments, it is essential to build up emergency savings , if you haven’t already. These savings, often referred to as short-term savings, are designed to cover unforeseen events and guarantee you quick access to funds in case of urgent need .

Ideally, this reserve should cover approximately six months of your fixed expenses. For example, if your monthly expenses are €2,000, it’s recommended to set aside at least €12,000 before investing elsewhere. To maximize these savings, the Livret d’Épargne Populaire (LEP) can be an excellent option if you’re eligible, offering an attractive rate and immediate availability of funds if needed. If necessary, you can place this money in a Livret A savings account.

Building up a contribution towards a property purchase

Once your emergency savings are well established, you can consider embarking on a real estate project, whether to acquire your main residence or invest in a rental property.

In this context, building up a contribution becomes an essential step. This savings, which we call medium-term savings, requires investing funds securely while seeking more attractive returns than a traditional savings account.

For this, life insurance with a good euro fund can be a particularly interesting solution.

At 30, the desire to start a family often becomes a reality, and anticipating the arrival of a child becomes a priority. Welcoming a child represents a financial investment: you have to plan for immediate expenses for the needs of a newborn, but you also have to think about the future, particularly regarding their education, a possible first car, or even higher education. To achieve this, setting up medium-term savings is essential, as this family project could come to fruition within the next decade.

To build up these savings, a good life insurance policy with a euro fund is a wise choice: secure, it offers a moderate but reliable return. You can also boost these savings by investing in SCPI (Sociétés Civiles de Placement Immobilier) via this life insurance contract, in other words “real estate investment trusts.” This type of investment, with a horizon of 5 to 10 years, offers an interesting opportunity to optimize returns while remaining adapted to the financial needs of your family project.