In an increasingly uncertain economic climate, French savers are turning en masse to safe investments. Life insurance, the mainstay of wealth transfer in France, has long attracted investors for its tax advantages.

However, new government reforms are planning to increase inheritance tax, which could make this investment much less attractive to heirs.

So how do you protect your assets in this climate ? Faced with these potential new tax burdens,gold is proving to be a prime alternative, offering stability and independence for those wishing to diversify and preserve their assets.

An unfavourable tax reform environment for inheritances

The government is considering reforms that could increase the tax burden onlife insurance, with a particular focus on inheritance tax. If these proposals come to fruition, life insurance, which has long been a popular way of passing on wealth without incurring high tax charges, could lose some of its appeal. Inheritance tax would be increased, makinglife insurance less attractive for savers wishing to reduce the tax burden on their heirs.

For investors, this change marks a turning point. What was once an advantageous pillar of inheritance is becoming uncertain, prompting more and more savers to explore viable alternatives for securing their assets in this rapidly changing environment.

Impact on savers and their investment choices

The planned tax reforms could well upset savers'investment strategies. With potentially less favourable life insurance taxation, many investors are likely to be discouraged bylife insurance rates, particularly as a tool for passing on wealth. These developments mean that we need to rethink our approach to wealth management in depth.

In this context, diversification becomes essential. Gold, with its status as atangible asset that is independent of financial systems, is emerging as a solid alternative. By including gold coins or bars, investors can strengthen the protection of their assets against tax fluctuations and anticipate the effects of future reforms. This diversification strategy offers an appropriate response to the uncertainties of the current climate, combining stability and security.

The advantages of gold in the face of tax uncertainty : why gold is an attractive alternative

Gold is much more than a simple investment: it is a genuine financial refuge from tax uncertainties. While the tax treatment ofinheritance life insurance has lost some of its appeal following recent reforms,gold stands out by offering stability and independence in the face of tax changes. Unlike traditional financial products, which are often affected by new regulations, gold offers unrivalled resilience, guaranteeing lasting protection for investors.

One of the great advantages of the yellow metal lies in the diversity of its forms ofinvestment. Whether you are looking to diversify your capital or secure your assets, gold offers options to suit every profile :

• 20-franc Napoléon coin : a classic for building a solid legacy
• Gold Krugerrand : an iconic coin popular with investors
• 250g gold ingot : for long-term value stability
• 20 g gold bullion : a flexible and accessible solution for diversifying your capital

The yellow metal, with its steadily rising price and the price of gold bullion as attractive as ever, is proving to be a solid asset strategy. This precious metal protects your assets from tax fluctuations and remains unaffected by the charges levied on other financial products. Buying emblematic coins or ingots offers a reliable solution for those looking for security and inheritance, sheltered from the vagaries of tax reforms.

Investing ingold, in the form of bullion or by buying back gold, is now a reliable solution for diversifying and securing assets over the long term.

Godot & Fils, experts in precious metals since 1933, is the ideal partner for those seeking to protect their assets in the face of tax uncertainties.

Find our range of gold and silver products on our website.