This category covers personal finance and wealth management from a practical, opinionated perspective—not professional financial advice; articles include disclaimers. Topics include wealth management and investment vision—personal strategy, asset allocation (e.g. volatility, technology, digital scarcity vs. traditional “French saver” consensus), and the caveat that past performance does not guarantee future results; and understanding the role of bank advisors—how they function as salespeople with targets (life insurance, structured products, etc.) rather than pure advisers, how commercial objectives can conflict with client interest, and why it is important to be aware of incentives when receiving bank recommendations. The content is aimed at readers who want to reflect on their own patrimonial and banking relationship choices with full awareness of conflicts of interest and limitations of generic advice.
My vision of wealth management and investment
Personal investment strategy and patrimonial vision. Disclaimer: not investment advice. The article presents a patrimonial architecture that breaks with the “French saver” consensus (bricks and mortar, euro funds), embracing volatility, technology, and digital scarcity, with the usual caveats on past performance and risk.
Your banker is a salesperson
Bank advisors are primarily salespeople subject to sales targets, not neutral financial experts. Their training is often limited and their recommendations are influenced by numerical objectives (account openings, life insurance, structured products) that drive their bonuses. The article explains how these objectives can override client interest and why it matters when receiving advice in-branch.