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Contrary to popular belief, an asset management adviser is not just for the wealthy. Indeed, everyone can find themselves in a situation where the knowledge and expertise of an adviser would be...
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With Democrats and Republicans still unable to reach an agreement, we are once again approaching the debt ceiling. What would be the consequences if no agreement is reached? What is the debt ceiling?...
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When you own a rental property, the tax authorities take into account the expenses relating to this property. Depending on whether the property is rented bare or furnished, the treatment is...
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As we mentioned at the beginning of 2023, many factors are affecting the housing sector. As feared, the crisis is beginning to make itself felt and many voices are being heard. In the last two weeks,...
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In the 2000s, we saw the emergence of participatory financing, otherwise known as Crowdfunding. It consists in calling upon Internet users to find financial resources in order to carry out cultural,...
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To replace the ISF (Impôt Sur la Fortune), which was repealed on 30 December 2017, the government has introduced a tax system that only takes into account real estate assets, the Impôt...
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In 2019, the State has changed its philosophy regarding the management of its administrations. It wanted the feeling of mistrust that the French might have had to give way to trust. This is how the...
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Like every year, April marks the start of the tax return campaign. What changes? What is the timetable? Here is the important information to know. The calendar The campaign starts with the...
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A few days after the stress experienced by banks on the markets, another crisis shakes some of them. Searches have taken place this week on suspicion of "CumCum", a controversial practice...
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Among the tangible investment vehicles, Groupements Fonciers Forestiers (GFF) or Groupements Forestiers d'Investissements (GFI) are experiencing a real boom. We have noticed that clients are...
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Since Friday 10 March, the global banking system has been in turmoil. What happened in the United States? What are the risks for European banks and for savers? Here are a few elements of...
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We often hear about investing in real estate but what is the best solution? It depends on each person, so here are a few things to help you understand. Investing in the Pinel law and Pinel...
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For several months now, states around the world have been confronted with inflation. This is becoming more and more concrete for the population when buying everyday needs, but what is the impact for...
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Nowadays, as life expectancy increases, the ageing of the population is significant and this has consequences for all professionals in the financial world. On 1 January 2020, 20.5% of the French...
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The transfer of contracts from one insurer to another is a subject that is regularly on the agenda. But on 31 January 2023, a new step was taken. On that day, the Senate voted on the first reading of...
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The year 2023 marks the disappearance of the "taxe d'habitation" for principal residences. This abolition entails a major change since, from now on, all owners of real estate for...
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As you probably know, a reform of our pension system is underway. Which reform is desired by the government, which other type of pension exists, Wealth A7 explains everything to you. The...
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After an unprecedented year marked by historic variations in borrowing rates, a major change is about to take place. Indeed, the significant inflation of 2022 has highlighted considerable problems...
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After the euphoria of the housing market in 2021 and 2022, following the COVID confinements, what are the forecasts for 2023? 2022 review: After the euphoria that hit the property market after...
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For parents, it may seem natural to house their child as long as it suits them. However, beware of the consequences! Housing your child, an obligation... or not The law requires parents to...
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Ab initio dismemberment is a method of transferring bare ownership shares from the creation of the company without the need to make a donation, but what are the advantages and risks of this...
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A life insurance is a savings investment that is particularly useful in terms of inheritance strategy. Thus, the beneficiary clause must be thought out when subscribing a life insurance policy:...
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On November 11, 2022, the crypto giant FTX has placed itself under the protection of Section 11 of the U.S. law and initiated the process of personal bankruptcy, return on this earthquake in the...
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The creation of a company is an important step in the beginning of your activity. Numerous fiscal, financial and technical aids can be granted to you in order to facilitate this creation:...
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While the European Central Bank has decided to drastically raise its key rates, the variable rate loan is reappearing in the credit environment, Wealth A7 explains it all to you: What is...
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The associated cross guarantee: anticipate the transmission of your company! The cross guarantee is a death insurance allowing to protect the surviving partner in the event of a death,...
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Investing in a Pinel scheme allows you to obtain a significant tax reduction thanks to a commitment to rent for 6, 9 or 12 years. The device has been greatly modified and the changes will be...
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Wealth A7 is going on vacation and will be back on August 29th, even more fit to advise you on the management of your wealth! In a world that moves, Wealth A7 is there to bring your desires to...
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The life insurance contract is one of the favorite products while the capitalization contract is more discreet. However, there are advantages to choosing one or the other. Wealth A7 explains the...
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Emmanuel Macron has started his presidency and has announced since his campaign a tax cut of 15 billion. The regime of cohabitants being very penalizing, what impact could this quinquennium have on...
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A donation during one's lifetime allows the transmission of one's patrimony before the succession. Several types exist, but among them, the shared donation and the simple donation are the...
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As of August 2, a European regulation amending the MiFID 2 directive comes into force. This regulation 2021/1253 was adopted in April 2021 and obliges financial intermediaries to focus their advice...
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Because of the inflation, the rates of the credits increased gradually these last months, however, the rate of usury remained stable and prevents the banks from carrying out one of their tasks: the...
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In a decision dated May 25, 2022, the Court of Cassation censured the administrative doctrine and allowed a Pacte Dutreil to survive even after the loss of the "animating" quality of a...
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The tontine: how to facilitate the transmission of one's real estate assets? The tontine is an ancient mechanism which allows to secure a capital in the hands of a person by means of a...
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On March 6, 2022 a decree was published concerning the standardization of life insurance and PER fees. This measure will allow future policyholders to compare the costs of the different unit trusts...
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While virtual reality and its platforms have long remained at the game stage, it is now possible to buy real estate in several Metaverse. Wealth A7 explains this growing trend. Buying...
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From May 14, 2022, the unique status of the individual entrepreneur comes into force. This status is the result of the Law n° 2022-172 of February 14, 2022 which also definitively abolished the...
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Structured products and inflation: should you invest? These are products that allow you to boost your portfolio while protecting your capital. Many structured products are proposed on...
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The Lemoine law, how to change your loan insurance from June 2022? The Lemoine law, published on February 28, 2022, will come into force in June 2022. This legislation will allow...
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Deezer and I2PO: SPACs the new standard for IPOs? Deezer will go public through a merger with SPAC I2PO created last year by François-Henri Pinault (via Artemis), Mathieu Pigasse...
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On Thursday, April 14, 2022 the European Central Bank met to decide on the policy to be adopted for the coming months. Many actors remained intrigued by the position adopted by the...
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Since April 7, 2022 the tax campaign for the year 2021 has begun. It is important to note the various changes for this year so that you can benefit from them. When to...
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On March 14, 2022, the European Parliament adopted the MiCA or Markets in Crypto Assets regulation proposal. This regulation aims to harmonize the various national laws on cryptoassets and to...
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We are going here to consider two bills that have already been tabled in the National Assembly. These bills relate to the exemption from transfer duties on the transmission of family businesses...
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Today, we are not going to address one of our usual themes but we are going to take advantage of these few lines to thank, at the end of the year, those and those who allow us to carry out, day after...
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Do NFTs mean anything to you? This notion is increasingly mentioned on the markets. NFTs (non-fungible tokens) are tamper-proof digital certificates that certify the authenticity of a virtual...
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The 2022 presidential election is gaining momentum in the news. The economic debates during the elections will mainly focus on themes that have been highlighted by the Covid crisis. The...
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Last week, the markets were taken by surprise with the announcement of the Omicron variant. According to specialists, it is highly contagious and resistant to the current vaccine. Rest assured, we...
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The Wealth A7 team is happy to see you again after this energy boost! While we expected a rather calm August, the news has unfortunately been quite hectic. Indeed, you will not be without...
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Topic more relevant than ever: COVID-19 Between Variant Delta and health pass, debrief on what is happening. As we were able to discuss in our article last week, according to the government,...
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We are pleased to share with you this this new weekly article discussing perspectives for this summer 2021. On the menu : Variant Delta US and Fed data Chinese economic policy Oil and...
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The macro of the week : The job market has not fully recovered from the pandemic we are all experiencing. But note that for the month of June alone, no less than 850,000 jobs were created for...
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Continuing on from our last article, let’s take a look at the most satisfying economic data from last week. We will gladly look to the United States, with, for the month of May, the creation...
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Real Estate Company are structures very regularly used in the context of real estate investments, whether for rental or even in the context of the purchase of the main residence. These are civil...
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In addition to its cachet and the allure that the old stone can have, many investors are turning to old real estate in particular with the aim of obtaining better returns. Looking at all the data,...
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With the development of globalization, expatriation and the status associated with it are now more or less known to all of us. But if we talk to you about impatriate status, this notion will...
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Based on the observation that our clients are more and more fond of the REITs (real estate investment company), this article could also interest you! The concept in a few words: the REIT is an...
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After a record number of loans granted in 2019, the High Council for Financial Stability (HCSF) decided to tighten the conditions to obtain loans for the year 2020, in particular with the aim of...
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2020 has ended! We have a thought for all the families and professions that have been affected by Covid 19. The priority for 2021 is to get out of this global pandemic and open a new page where...
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Do you think that the life insurance contract may not meet your expectations because you can make regular withdrawals and therefore being taxed on the part of the interest generated? Wealth A7 has...
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Retirement is an important step for everyone. Indeed after several years of activity it is about a new life which begins, in which some will decide to take time for themselves, for their family,...
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Preserving the environment is a crucial challenge, which tends to become more prevalent in our daily lives. Acting responsibly is not only about sorting your waste or reducing your electricity...
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Did you already know Bitcoin, Etherum, Ripple? It looks like the story will not end there ... At the beginning of November, Christine Lagarde, assisted by her “Mr. Crypto”,...
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November was marked by the validation by the National Assembly of the extension of two specific mechanisms: the Zero Rate Loan, commonly known, in France, as PTZ and the PINEL. The end of these...
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While some have used the first confinement to deal with subjects that are often overlooked, you have opted for procrastination and put off the question of optimizing your taxation until tomorrow?...
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As we can all attest, 2020 has not been a smooth year. And it's not over yet... At a time when the health situation is deteriorating further, between curfew and lockdown, we must admit that a...
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Economist Kenneth ROGOFF is at the origin of the theory of "deeply negative" rates, putting a real risk on your bank deposits: taxation. It all started in June 2014 when the European...
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The real estate OBO, the Owner Buy-Out, has for principle the constitution of a "sale to oneself". It is a real tool for optimizing your wealth since it allows you to reduce the tax burden...
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There are several ways to invest in real estate while optimizing the taxation of your wealth. Either by investing in building new housing Either by rehabilitating old housing Today with...
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Passing on a business, whether it be commercial, artisanal or agricultural, is a fundamental issue that is not always easy to anticipate. Indeed, several mechanisms may be available to you, but...
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Crowdfunding allows you to invest in projects that you believe in and in return get an attractive return on investment in a relatively short time horizon. For project leaders, this is an alternative...
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It is a fact: the French are increasingly deserting apartments and are setting their sights on houses. Indeed, in search of an increasingly important quality of life, people are ready to move away...
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On October 1, 2020, the PERP, the French Popular Retirement Savings Plan, will definitely give way to the PER, the French Retirement Savings Plan. But what significant differences exist between these...
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You want to help a loved one, but you have already made a donation of € 100,000? Or are you willing to provide a larger amount? The 3rd amending finance bill for 2020 brought a new tax...
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The agricultural sector is now faced with multiple issues that it is necessary to dwell on in a still uncertain economic context. Indeed, land management, farm transfer and cost optimization are...
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Hello to all, Today at Wealth A7 we want to share some great news with you! Indeed, we are extremely pleased to announce the creation of our own tailor-made internal investment fund, especially...
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Since the end of the lockdown, while some expected a slowdown in the real estate market, we can see on the contrary that the strong interest of the French in real estate has not waned. Wishing to...
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Over the past few months, faced with hyper volatility in the financial markets and wishing to protect your assets, many of you have asked us about safe havens. Gold is the historical safe haven,...
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The "family" real estate companies and LLCs (Limited Liability Companies) are companies that allow several people to pool real estate. A person may prefer the incorporation of a...
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What is a trust? The trust is a legal act under Anglo-Saxon law that does not exist in French law. A person, the settlor, places assets in a sort of legal box, under the control of a trusted third...
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This Tuesday, we are not going to tackle one of our usual themes in the field of finance, economy, taxation or real estate ... The sunny days are finally coming and it is time to take stock of these...
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When you want to sell your company, you have several options. You can decide to sell your business (as well as other assets) separately and then liquidate the company. Another possibility is to sell...
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You wish to donate a property but the financing of your property is still running. Don't panic, you can donate without waiting for the repayment of your loan! Beforehand it will be necessary...
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Inflation. What is behind this economic term? Could the Coronavirus crisis lead to higher inflation? With what consequences ??? What is inflation? It is characterized by the decline in the...
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It is not a surprise for anyone, the short-term rental, or seasonal rental, is so successful that it comes to overshadow some hoteliers and causes a shortage of accommodation for residents seeking...
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We know that real estate is the favorite investment of the French, it is not always easy to access it: an often significant cost, complex administrative procedures or even too little time to allocate...
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Investing in a property located in a service residence is a solution that deserves your attention because of its many advantages. You do not know what is the furnished rental in service residence?...
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We know we can't always control everything, however we have the power to anticipate, so let's use it! Death, accident, illness, hospitalization, natural disaster, are all unforeseeable...
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As expected, the health crisis triggered by the coronavirus epidemic is impacting the real estate market. When the economy is bad, we can resign ourselves and wait for it to pass. Or we can react and...
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It's not easy to navigate the jungle of financial and real estate investments, is it? Don't panic, the Wealth A7 team has worked on a synthetic presentation to simplify your life and guide...
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In the mid-1980s, Michael Porter, an American economist, put forward, through his books and analyzes, the principles of competitive advantage. To summarize his thinking, let's say that...
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The total confinement that is imposed on us today will have at least one merit: that of reminding us of what our essential, even primary, needs are. It is enough to refer to the famous pyramid of...
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As the coronavirus continues to rage and affects more and more countries and more and more of us, we also need to know how to lift our heads and look to the future. But how do we know what lies...
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In this difficult period of containment and sanitary crisis, Wealth A7 set up a business continuity plan and continues to manage your assets. Our team is 100% operational and will remain so...
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Since Monday, a storm has hit the global financial markets: the French 'CAC 40' has lost more than 8% in a single day (with a loss of more than 1,500 points since the start of the year). The...
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In the current context of sanitary crisis, a wave of panic is blowing on the stock markets. The financial markets known their peer week since the 2008 crises and dropped by more than 15% in a few...
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The luxembourgian life insurance has many advantages, especially in terms of security: it’s the most secure system in Europe thanks to 2 mechanisms: - The safety triangle...
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Rental investment is booming. 'Pinel' in mind. If the real estate investment classics are good, they are not always the best! Today, we tell you more about the challenger: buying bare...
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Socially responsible investing (SRI) involves investing your money in a fund that meets environmental, social and governance criteria (ESG criteria). To begin with, what is a fund? It is a...
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Whether you are an employee or an employer, employee savings concerns you and represents one of the subjects developed by the PACTE law, passed last May. The various employee savings plans have...
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It’s now official, starting next week, the Livret A remuneration rate so dear to French people because of its availability will drop from 0.75% to 0.5%. Indeed, in a context of negative...
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Invest in real estate through a real estate firm has many benefits in terms of management and transmission. The real estate firm is flexible and usefull for many asset strategies. But what about...
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From 2021, it will no longer be possible to benefit from the Pinel law by investing in individual houses or villas. Unfortunately, this is an excellent niche market, especially in Toulouse :...
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The finance law for 2020 will involve some changes in the tax scale : →The tax rate of the first tax racket will decrease to 11 % instead of 14 %. →The tax...
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There are 7 reasons to choose Wealth A7 for your wealth management : And find us on Youtube: at least 7 reasons why! - Low credit brokerages fees - Fees under control for your financial...
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While 2019 is over (2019, a year full of events and news, and also the year when we turned 15!), the whole Wealth A7 team joins me to wish all the very best to you - our customers, our partners - and...
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You have noticed that the government intends to reform deeply our retirement system: The new model would retain the intergenerational solidarity mechanism which involves that workers...
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In the long run, the Livret A is becoming increasingly unprofitable, and the situation is going to deteriorate when the rate will fall until 0,5% in February ». So, the...
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Today, Wealth A7 celebrates its 15th anniversary at the Museum of Natural History in Toulouse. The opportunity for our customers to interact with the team in an exceptional and friendly setting...
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"The Administration is entitled to exclude, as being not opposable to it, the acts which, seeking the benefit of a literal application of the texts or of decisions against the objectives pursued...
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As we all know, interest rates have reached a historically low level (1.18% on average in September 2019, Source: The Crédit Logement Observatory). This represents a golden opportunity for...
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Given the current economic context, we must face the obvious: the very nature of the euro fund, that is to say, the guarantee to fully recover its capital, can soon no longer be assumed by the...
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