Invest in the stock market in 2025 to increase your wealth
Infos | Free publication | 19 Jun 2025
Inflation: the silent thief of your savings
You know that feeling you get when you look at your bank statements and say to yourself ‘I feel like I've got less money than before’? You're not crazy. It's inflation playing pickpocket in the shadows. Every year, your banknotes discreetly lose value while prices rise all around you. A coffee that cost €2 two years ago now costs €2.50, and your Livret A savings account, which yields a paltry 3%, is not keeping pace. The result? You work hard, you save, but your money is melting away like snow in the sun. It's time to put a stop to this haemorrhage!
Why traditional savings accounts are no longer enough
We've always been told: ‘Put your money in a savings account, it's safe, it's guaranteed’. Yes, it's guaranteed... to lose value! Most savings accounts and government bonds offer ridiculous interest rates in the face of galloping inflation. Let's imagine: inflation is running at 3% and your savings account is yielding a paltry 2%. Congratulations, you're losing 1% of your purchasing power every year! It's mathematical and merciless. You have to pay for absolute security... and you have to pay dearly. You have to get out of your comfort zone and make your money work smarter.
When your currency loses its lustre
And as if that weren't enough, inflation is also attacking the value of our money. Central banks are printing money left and right to boost the economy, but the more notes there are in circulation, the less each one is worth. It's the law of supply and demand applied to money. This devaluation doesn't just affect what you can buy at the corner shop - it also affects exchange rates and can create much wider economic turmoil.
The stock market: more accessible than you think
So let's have a serious talk about the stock market. Yes, I know, you're already imagining traders in suits and ties shouting at screens in Hollywood films. But the reality is that today's stock market has become a tool accessible to everyone. It's a market where you can buy shares in companies and potentially make your money grow far better than any savings account.
Many people think that opening a securities account is the administrative headache of the century. But think again! We'll see in a later article that it's actually child's play.
The basics: how it works in practice
Investing in the stock market means buying shares in listed companies. When you buy an Apple or L'Oréal share, you literally become the owner of a small part of the company. And as an owner, you receive your share of the profits in the form of dividends. To get started, all you have to do is open an account with an online broker - it's as easy as opening a normal bank account.
Diversification: don't put all your eggs in one basket
The great advantage of the stock market is that it allows you to diversify your investments. Instead of betting everything on a single company (which would be pure gambling), you spread your money over different sectors and boxes. Technology, health, energy, consumer goods... If one sector hits a rough patch, the others can compensate. And the best part? You can start with just a few hundred euros. You don't have to be rich to get off to a good start.
ETFs: the stock market investment for intelligent slackers
ETFs (Exchange-Traded Funds) are like the Swiss Army knife of investment. Imagine a basket that automatically contains dozens or even hundreds of different stocks. You buy a share in this basket, and you're instantly diversified.
Why ETFs are so popular
ETFs are great for several reasons:
Firstly, automatic diversification: a single ETF can give you access to the CAC 40, the S&P 500, or even the entire world economy.
Then there are the ridiculous fees: unlike traditional funds, which happily charge you 2-3% a year, ETFs often charge just 0.1% to 0.5%.
Flexibility: you can buy and sell ETF shares at any time during trading hours, just like traditional shares.
Total transparency: you know exactly what's in your ETF, so there are no surprises and no secrets.
It's the perfect tool for a long-term strategy without the headaches. You invest regularly, let time do its work, and watch your capital grow quietly. Ideal for preparing for retirement or any other long-term project.
Individual actions: aiming higher (with greater risk)
While ETFs are the wiser choice, individual equities are for those who want to play in the big league. More risk, but potentially more reward. At YKY, we don't do things by halves: we've developed a tried-and-tested method for unearthing nuggets.
Start by thinking big: macro-economic analysis
Our first step? Identify countries with solid foundations. We're looking for stable economies, with governments that know what they're doing, coherent economic policies and real growth potential. There's no question of investing in just anything anywhere. We want solid, sustainable investments.
Focus on growth sectors
Once we've identified the right countries, we dive into sector analysis. The idea is to find sectors that have potential, without being blinded by fads or temporary government subsidies. We look for organic growth, the kind that comes from real economic needs, not political gimmicks.
The art of choosing the right companies
In these promising sectors, we go through the individual companies with a fine-tooth comb. Financial health, quality of management, competitive position... everything is scrutinised. But we also keep an eye on market fluctuations. Sometimes the market panics over nothing and sells off excellent companies. That's when we strike! Buying when everyone else is selling takes courage, but it often pays off.
Setting targets and knowing when to go out
The secret is to know what you want to earn before you invest. You set yourself clear profit targets and exit thresholds. That way, there's no room for emotion or stress when the markets move. You stay disciplined, stick to the plan, and cash in the profits when you need to.
So, what kind of investor do you want to be?
The stock market is your best weapon against inflation and your ticket to real wealth growth. While your savings accounts offer you the illusion of security, inflation is quietly eroding your purchasing power. The stock market, on the other hand, offers you real opportunities for growth and diversification.
At YKY, we rely on intelligence and strategy rather than luck. In-depth economic analysis, study of fundamentals, disciplined decision-making... that's how we aim to achieve excellence for our clients. Whether you prefer the tranquillity of ETFs for the long term or the adrenalin of individual shares to aim higher, the stock market opens doors that your Livret A savings account can never offer you. It's time to stop taking it for granted and take control of your financial future!