How to invest money that pays monthly?

There are many ways to invest money that pays off monthly. Here are some avenues to explore:

Invest your money in stocks

Investing in the stock market can be an interesting option for obtaining a regular return. By buying shares of listed companies, you can expect an average return of between 5% and 7%. To minimize risk, it is recommended that you diversify your investments by buying shares of different companies.

Invest your money in life insurance

Life insurance is savings that build capital and are paid to a beneficiary in the event of death or survival of the policyholder. There are mono-support or multi-support contracts, which allow money to be placed on a single fund or on several supports. Multi-support contracts offer an attractive rate of return (between 1.4% and 3%), but are accompanied by high management and arbitration fees. Life insurance also has the advantage of advantageous taxation and the possibility of bequeathing capital outside the estate.

Invest your money in rental property

Investing in rental property can be a way to generate monthly income by renting property to tenants. However, it is important to choose the location and the type of property carefully, to plan a budget for any renovation work and to take into account management and vacation rental costs.

Invest your money in bonds

Bonds are debt securities issued by a company or a local authority or a State. By buying bonds, you receive interest in return for the loan you have granted them. Bonds are generally less risky than stocks, but their yield is generally lower (between 1% and 4%).

Put your money in a savings account

The savings account is a secure investment that allows you to invest money in liquid form. The rates of return are low (between 0.5% and 1%), but they are guaranteed and risk-free. Unfortunately, they are subject to taxation and do not allow you to benefit from tax exemption.

Invest your money in an SCPI

SCPIs (Société Civile de Placement Immobilier) make it possible to invest in real estate collectively, without having to buy a property of your own. By buying SCPI shares, you become the owner of a diversified real estate portfolio, and you receive income in the form of rents.

SCPIs are managed by specialized companies, which are responsible for the purchase and management of real estate. The performance of SCPIs is often between 4% and 8%, and they can be interesting for those looking to invest money that brings in monthly without having to manage a property of their own.