Top 2022: Value is in your hands with these 11 best investments

Investing without going through the stock markets is possible! Our 2022 top of the best alternative investments is here to support you and help you invest. Indeed, the range of alternative investments is wide enough for everyone to find what they need. To choose the type of investment that best suits your investor profile, follow the guide.

Gold: 1st best alternative investment in 2022

A safe haven par excellence, gold represents an alternative investment of choice. When it comes to diversifying your portfolio while securing your savings. To invest in the yellow metal, it is possible to use both physical gold and paper gold. Gold therefore has its place in our ranking of the Top 2022 best alternative investments

However, these two options have important differences. Indeed, if investing in paper gold amounts to investing in the financial markets through mutual funds (FCPs) or derivative financial products such as ETFs, the only real alternative investment is the purchase of gold physical.

Gold coin or ingot, in addition to the format and weight of their gold, the OpinionWay survey carried out in 2019 for AuCoffre already showed that 73% of French people considered gold as a safe investment.

To start investing in Gold, come and discover our Gold bars and coins, for sale on our website.

#2 Money

Where gold represents more of a long-term investment, investing in silver could be more profitable in the short term in the opinion of some analysts. And for good reason: gray metal is becoming rarer, but is a material very popular with industry (especially green industry). There are only between 270,000 and 380,000 tonnes in circulation to date, and its extraction could well run out by 2037, with rare and expensive recycling solutions.

#3 Palladium

An investment category that is more popular than ever is that of platinoids: in fact, current climate issues aiming in particular to reduce CO2 emissions give pride of place to palladium and platinum.

In addition to the fact that 84% of its use is redirected to the automotive industry (heat engines), palladium has coveted properties in:

electronics;
jewellery;
medicine;
odontology (dental alloys, crowns);
numismatics.

Electric conduction, catalytic properties, significant absorption of hydrogen (up to 900 times its weight)... Palladium is more attractive than ever in many sectors, while becoming rarer every day, which makes it a metal of the most popular. To date, the main deposits of the metal are in Russia, South Africa and the northern United States.

#4 Platinum

For its part, platinum is also on the rise. As proof: if the demand for “small silver” coins and bars was non-existent in 2013, it already reached 586,000 ounces 7 years later, in 2020 according to the World platinum investment council!

While the demand for investment platinum has almost doubled in the same period of time (from 935,000 to 1,554,000 ounces), its uses in the industry are also recognized.

Platinum is found in particular in:

the automobile industry (catalytic converters) in the same way as palladium;
the arms industry (missiles, explosives, jet engines);
jewellery;
chemotherapy;
dentistry;
fertilizers and nitric acid;
certain high temperature crucibles and furnaces.

This last point is justified by the high melting temperature of the metal, a property which joins its malleability, its ductility, its stability, its unalterability and its resistance to oxidation and corrosion.

Platinum and Palladium

Here again, platinum joins palladium in the category of precious metals whose appeal is matched only by their rarity.

Today, the main platinum deposits are located:

in South Africa (Bushveld);
in the United States (Stillwater);
in Russia;
in Zimbabwe;
in Canada;
in the Philippines;
in Colombia;
in Ethiopia.

#5 Crowdfunding: 5th best alternative investment in 2022

A very popular trend for around ten years now, participatory financing (or crowdfunding) refers to the fact that a group of investors brings their capital to a common project in order to finance the development of the latter while benefiting from remuneration of various kinds. Crowdfunding therefore has its place in our ranking of the Top 2022 best alternative investments

The rewards awarded to the investor can take the form of goodies or the product on which the crowdfunding relates. But it is of course also possible to be remunerated in the form of “dividends”; everything will depend on the project you plan to support.

A more or less risky method, crowdfunding can take several forms:

Donation-for-reward crowdfunding with the financing of creative, technological and/or entrepreneurial projects against a reward specific to the funded project, it is the best-known form of participatory financing.
Charitable crowdfunding with the financing of humanitarian projects devoid of any lucrative vision and therefore without compensation.
Real estate crowdfunding with the collective financing of real estate construction with return on investment according to a negotiated interest rate.
Crowdlending with participatory financing in the form of loans, mini-vouchers or bond issues, remunerated at a certain interest rate.
Crowdequity with financing of a company by owning shares in the latter (in the form of shares or shares).

Balance and transparency

Depending on your investor profile, your interests as well as your level of risk aversion, it will be wise to opt for one or the other of said forms of crowdfunding. And this in order to find the right balance between potential return and level of risk.

In all cases, you will benefit from good transparency on what is done with your invested capital. And you can go through various platforms depending on your affinities.

Some examples of platforms:

If you are still here, it is because you are seriously considering investing and we congratulate you!! Let's continue to discover, together, this 2022 top of the best alternative investments.

#6 Cinema

The most informed and playful savers may be seduced by a riskier alternative investment, namely cinema. Through the Film and Audiovisual Industry Financing Companies (SOFICA), it is in fact possible to provide capital to support the development of low-budget films (generally below 8 million euros). ).

In addition to the annual management fees, the ticket for this type of investment generally reaches a minimum of €5,000. Add to this the risk of non-profitability of the financed project. We can therefore quickly understand that this alternative investment represents a high degree of risk…

In response to these obstacles, tax reductions encourage savers to contribute their capital to finance filming. In fact, the tax reduction can go up to 48% of the initial investment!

As you will have understood, investing your money in cinema is above all a “passion” investment.

Finding the rare gem to share the economic benefits of the work will take time and patience.

#7 Art: 7th best alternative investment in 2022

Although particularly speculative, art represents the alternative investment par excellence. Market expertise, significant starting capital, ability to invest over the very long term. Many conditions are required to invest in Art. Art therefore has its place in our Top 2022 ranking of the best alternative investments

This complex market, but brimming with opportunities, currently brings together no less than 70 million collectors. And this throughout the world, for sharply increasing prices. This growth in the promotion of works of art can be explained in particular by the proliferation of museums. The latter purchasing pieces intended to be kept for many years before being resold. As a result, prices increase proportionally to scarcity.

Good to know: In 20 years, Artprice claims that the number of Contemporary Art sales has multiplied by 20!

Although booming, the art market remains very volatile and can suffer sudden drops at any time. An uninitiated individual could experience it head-on: being keen on culture therefore seems to be a necessary condition for investing in this type of alternative investment…

In terms of taxation, VAT can rise to 20% for works of Art acquired outside the European Union. Compared to only 5.5% in France or the EU. The capital gain recorded during the sale is, for its part, taxable at 19% (to which are added 17.2% in social security contributions). Taxation likely to have a significant impact on the performance of the investment.

However, the investor benefits from a 5% tax reduction from the second year of holding a work. Until reaching total exemption after 22 years: a factor which justifies Art as a very long-term alternative investment!

#8 Livestock

Livestock leasing is a concept allowing a group of investors to purchase livestock. Its management is entrusted to a breeder. In this way, the breeder takes on the role of manager (also called lessee) and guarantees the food, health and exploitation of the animals which officially belong to the lessor owner.

Good to know: The French Livestock Investment Association (AFIC) is the ideal contact to guide you in this type of investment!

This type of lease constitutes a sort of animal rental contract and normally lasts three years. The concept suits the breeder, who is freed from the constraint of committing capital to acquire livestock. And the owner can benefit from an average annual return of around 4% gross.

Said yield will then come from growth, that is to say from births which will expand the herd. Indeed, if the males belong to the operator, the ownership of the females born (heifers) is divided 50% between the lessee and the lessor. The sale of a dairy cow generally costs around €1,500 (depending on fluctuations in the price of meat), however taking into account insurance against the risks of accident, illness and epidemic. Milk and manure, for their part, are goods which belong to the lessee.

Livestock: honorable profitability

This most atypical alternative investment can bring you honorable profitability, however, it is estimated that the frequency of sale of a heifer is on average every 3 to 5 years for a herd of 20 cows. In addition, beware of scams, a frequent phenomenon in this type of investment through fake sites which disappear after payment of a large sum!

In tax terms, income from livestock is recognized as agricultural profits. They are taxed at the normal real regime. Over 10 years (average operating life of a cow), the investor can deduct 10% of the purchase price of the animals as depreciation.

#9 Forestry groups

If you wish to benefit from stable profitability while participating in the preservation of the flora of the third largest forest area in Europe, you can invest in a Forest Land Group (GFF ) and thus join the community of forest owners who already own 75% of the French forest area.

Thanks to the resale of wood from your plot, it is then possible to generate a commercial return, the profit of which is subject to a tax deduction. It can go up to between 18 and 25% of the amount invested depending on whether your shares belong to the primary market or the secondary market.

Good to know: This type of investment remains carbon neutral. Since trees are directly replanted.

A popular alternative investment, investing in forests generally requires an entry ticket. Its value oscillates between 1000 and 10000€, with average prices constantly increasing for more than twenty years. However, be sure to choose a quality and approved manager.

#10 Wine: 10th best alternative investment in 2022

Recognized worldwide for the quality of its wine, France offers attractive investment prospects in this sector. Both through the vineyards and through the purchase and resale of bottles of grand cru wine. Wine therefore has its place in our ranking of the Top 2022 best alternative investments

In the first case, the Wine Land Groups (GFV) will allow you to receive a dividend. On investments that are as profitable as they are accessible. And with a minimum entry ticket that can drop to €5,000 to gain ownership of a wine plot. She confides in a winegrower (called operator). This for at least 18 years (which makes it a very long-term investment). The gains generated will then come from the sales generated thanks to the plot, in proportion to your investment.

This investment reserved for wine enthusiasts is exempt from the Real Estate Wealth Tax (IFI) up to 75%. Within the limit of €101,897, before falling to 50% tax reductions beyond this threshold. Likewise, inheritance tax is also tax exempt at 75%. And this, until reaching the €300,000 level.

Another wine investment option

The other wine investment option consists of directly buying bottles of grand cru wine to invest in their future valuation before reselling them: to do this, there are various specialized auction sites such as iDealwine or CavaCave.

However, note that this more speculative investment involves storage and insurance costs. And this is in addition to having to ensure several criteria such as the purchase price of the bottle for example. As well as the available stocks or its conservation quality.

Good to know: With a view to reselling your bottles, it may be wise to look beyond French-speaking borders. The Asian market, for example, is known to be fond of French wine…

#11 Cryptocurrencies

In terms of profit potential, as well as risk of loss, the most popular alternative investment for several years now remains that of cryptocurrencies. With several thousand cryptocurrencies in circulation on the market (a number that is constantly increasing).

However, each cryptocurrency is not equal, and it is better to keep these values with a view to diversifying your investment portfolio. And this is like most alternative investments.

Among the main cryptocurrencies:

Bitcoin (more than 800 billion euros);
Ethereum (more than 400 billion euros);
Binance Coin (around 80 billion euros);
Tether (around 70 billion euros);
Cardano (around 40 billion euros);

Note: The market capitalization figures are subject to constant fluctuations subject to very high volatility. It is best to refer to the site Coinmarketcap in order to obtain up-to-date data.

Cryptocurrencies: a revolution and an alternative to traditional currencies

If cryptocurrencies have enjoyed exponential growth for several years, it is in particular thanks to the financial revolution. It represents the concept on which they are based. In fact, these digital currencies are disconnected from the traditional monetary system. Their value is therefore not controlled by the banking system.

As real alternatives to fiat currencies such as the euro or the American dollar, cryptocurrencies are in high demand. And increasingly by institutions and users around the world, hence their exponential growth. However, the instability of stock prices with regard to these digital currencies means taking strong precautions. Indeed, the slightest Twitter publication from a recognized influencer like Elon Musk can impact the fluctuations of a cryptocurrency in the second, and this, drastically!

Concerning the taxation of crypto-currencies, they are subject to the flat tax (or Single flat-rate levy, PFU). This represents 30% taxation made up of 12.8% income tax and 17.2% social security contributions.

What does this 2022 Top of the best alternative investments teach us ?

Faced with volatility and the gradual loss of investor confidence in recent times. And especially towards the financial markets, alternative investments seem to be a most appropriate response. Certain investments allow you to benefit in particular from their tangibility. This is particularly the case for physical gold and silver.

Goldunion presents the 2022 Top of the best alternative investments. Do not hesitate to contact us for more information, advice and good investment plans.

Source: loretlargentinfo