Beware having too many eggs in one basket

Recently, I have focused on pension and estate planning, two very important components of financial planning in France, but a third key element is savings and investments. 

When you have worked to build up your savings, it is not always easy to decide how best to look after them, especially if you are nearing retire­ment or already enjoying your retirement. You most likely have some or all of the following objectives:

  • Protect your capital and maintain financial security
  • Generate an income
  • Grow the capital, but with an acceptable level of risk
  • Leave a healthy inheritance to children and grandchildren

Asset allocation and diversification are key to helping you achieve these goals – in simple terms, do not put all your eggs in one basket.


Most people feel safe with cash. The money you hold on deposit in the bank does not drop suddenly based on geopolitical events, investor sentiment or a company’s misfortunes. And yes, it is important to keep some savings in cash. It is a convenient liquid asset, available when you need it (dependent on any fixed-term restrictions) and it helps balance out risk in your overall portfolio.


To read the remaining 85% of this article, you need to either

Subscribe now to The Connexion and benefit from access to our archived articles since 2006

Freedom Subscription

Pay every three months. Our most flexible subscription.

Subscription automatically renews so you don't miss an edition (you can switch this off at any time)

1 Year Subscription (12 editions) (Our best value offer)

1 year of great reading in print and online

Subscription automatically renews so you don't miss an edition (you can switch this off at any time).

More articles from Money
More articles from Connexion France
Other articles that may interest you

Loading some business profiles...

Loading some classifieds...