Investing in 2025: Life Insurance, Retirement Savings Plans, REICs… Which Investments Should You Prioritize?
- Excellium Patrimoine
- Apr 11
- 3 min read
Updated: Apr 13
Financial Investments in 2025: Profitability and Taxation
In 2025, the landscape of financial investments continues to evolve with diversified opportunities and tax adjustments that influence investment strategies. Life insurance, Retirement Savings Plan (RSP), Girardin industrial scheme, REICs… Each option offers its own advantages and disadvantages in terms of profitability and taxation. Here's an overview of the best financial investments in 2025.
Life Insurance: Still an Attractive Investment
Profitability
Life insurance remains a preferred investment due to its flexibility and stable returns. In 2025, euro-denominated funds offer an average return between 2.5% and 3%, driven by rising interest rates. Unit-linked investments allow for enhanced performance by gaining exposure to equity and real estate markets.
Taxation
• Before 8 years: flat-rate withholding tax (PFU) of 30%.
• After 8 years: allowance of €4,600 for a single person (€9,200 for a couple) and reduced
tax rate of 7.5% on gains up to €150,000.
The Retirement Savings Plan (RSP): Ideal for Preparing for the Future
Profitability
The RSP proves to be interesting for investors looking to optimize their retirement. It allows investment in various assets, from euro funds to more dynamic units of account, with an average return ranging from 3% to 7%.
Taxation
• Contributions are deductible from taxable income (within certain limits).
• Payouts can be taken as a lump sum or annuity at retirement with reduced taxation.
• In case of early withdrawal (purchase of a primary residence or life accident), exemptions
may apply.
The Industrial Girardin: An Attractive Tax Relief Scheme
Profitability
Industrial Girardin is not an investment in the strict sense, but a tax-saving solution that allows for a tax reduction ranging from 16% to 23% of the invested amount. In 2025, this scheme remains attractive for high-income taxpayers.
Taxation
• Immediate tax reduction on income tax.
• No direct financial income, but a return on investment in the form of tax reduction.
• Risk of tax requalification in case of non-compliance with the conditions.
REICs: Investing in real estate without constraints
Profitability
Real Estate Investment Companies (REIC) offer a stable return of around 4% to 6% in 2025. They provide access to a diversified portfolio of professional real estate assets without the management constraints.
Taxation
• Real estate income subject to income tax and social security contributions.
• Possibility to invest through life insurance or RSP (retirement savings plan) for a reduced
tax burden.
• Tax-advantaged REIC (Pinel, Malraux, Property Deficit) allowing for tax reductions.
5. Other interesting investments in 2025
Private Equity
• Investment in unlisted companies with potential returns greater than 10%.
• Attractive taxation through the PEA-PME or alternative investment funds.
Cryptocurrencies
• Significant volatility, but interesting growth opportunities.
• Taxation at a flat rate of 30% on gains.
Gold and Precious Metals
• Safe haven value in times of uncertainty.
• Exemption from capital gains tax after 22 years of holding.
Conclusion
In 2025, the choice of financial investment depends on the investor's profile, objectives (seeking returns, tax reduction, diversification), and risk tolerance. Life insurance and the RSP remain essential for long-term savings, while the Girardin industrial scheme and REIC offer optimized tax solutions. A diversified strategy combines performance and security while adapting one's wealth to regulatory and economic changes.
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