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French bank account fees increased 2.7% between 2025 and 2026
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Invest in a tontine
Readers may be familiar with the tontine as a form of property purchase by a couple, where the whole ownership goes to the survivor in the event of the death of one partner.
The same concept applies to an investment by the same name, which has been offered by the Le Conservateur group for 175 years.
Each January 1, a new association tontinière is created for 25 years, bringing together investors.
Those who want a shorter term (but not less than 10 years) can join an existing set-up.
There are versions with one initial investment or with recurring annual or biannual amounts.
When it reaches term, the total is shared. If anyone dies before, their investment is shared among the others.
Tontines offer good rates - 4.54%/year for the most recent to reach term.
