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My Current Collection (25M)

My Collection
Hi! I made a post almost 2 months ago and since then my collection have been growing! I am still a newbie when it comes to collecting fragrances, however i am gonna stop for awhile as i find that i have spent too much at the moment haha
Am happy with what i have now and am sharing it with you guys before the hiatus. This subreddit has really helped me a lot in terms of understanding more about fragrances and also when it comes to seeking opinions before making purchases.
The Collection (Left to Right):
Carolina Herrera 212 VIP Man Black: Not the best, although i feel that its a tad bit underrated. My least used of the bunch as clubs and party spots are still closed in my country.
Dior Sauvage EDT: Said 2 months ago that it got boring for me after awhile. However, it started to grow on me again and there are some days that i just want to smell like sauvage.
Salvatore Ferragamo F Black: I quite enjoy this one, especially for its price I feel that its a pretty good purchase.
Acqua di Gio Essenza: Was able to get this one for a fair price. Am living in a tropical country and I bought this one to expand on my freshies collection as I felt that fresh fragrances will be better utilised considering the hot weather. Didn’t quite enjoy it though especially after all the hype it received.
It has a strong smell in the dry down that makes me feel nauseous, might be the ambergris maybe? Its a smell that I noticed many “blue” fragrances like Polo Blue EDP, Dolce and Gabbana Light Blue has as well, albeit more subtly. Maybe those that are more experienced can help me with the exact ingredient so that i can stay away from it in the future haha.
Dolce and Gabbana The One EDP: Easily one of my favourites, it just smells heavenly to me. Performance is not as bad as most people claim, although its not great either. Just wish it could be a little better because i enjoy the scent so much.
Chanel AHSEE: -
Bleu de Chanel EDT: Love this one as well, great scent and so versatile.
Armaf Club de Nuit Milestone: Its a great fragrance, however i am having trouble finding an opportunity to use it, as there is almost always another fragrance that i would rather reach for.
Armani Code Absolu: I actually really like this one, definitely in my top 3. Has a boozy vanilla that always makes me smile when i take a whiff of it off the atomizer. Surprisingly doesn’t have good performance though. Might be just bad skin chemistry I guess, which really sucks as i really enjoy this one.
CK One: -
Mont Blanc Legend Spirit: Can barely see this and CK One, however its in the background as I haven’t used these in ages.
Dior Homme Parfum: I know its a good scent, however I still don’t know how to appreciate it yet. Smells too mature and serious for me, and am having a hard time finding a good occasion to wear it. Just keeping it there for formal events in the future i guess.
Dolce and Gabbana Light Blue Eau Intense: Have a sample of the OG Light Blue, however I traded my Armani Stronger With You with this one instead as I wanted a freshie that i can just grab for everyday usage.
YSL La Nuit De L’Homme: Smells great, bad performance. My bedtime fragrance.
Mont Blanc Legend Intense: Have been my signature scent for so long before I started getting into fragrances so it will always have a special place in my heart. Love the smell so i got a new 50ml on top of the half bottles that i have left as it is discontinued and i heard that the new Legend EDP isn’t that good.
Tried PdM Percival as well, its definitely more refined, however I still prefer this one over Percival so i sold it after awhile. Is also one of the reasons why I always tell my friends that I have a trashy nose as I find myself better appreciating cheaper designer frags as compared to niche ones haha
Nishane Ani: My latest purchase and also one of the reasons why I decided to stop buying new fragrances for awhile as this made a huge dent in my wallet. Great vanilla, however the performance for me is just not up to par especially for the price i paid for it. Lasts only 4-5 hours on me with slightly below average projection.
MFK Grand Soir: Benchmark amber like many have said. Its such a lovely scent and feels so luxurious. Gives off a soft and sensual aura, has great performance. I don’t even enjoy amber that much, however this just smells so divine.
DUA
Royal Chariot Attar (PdM Layton), 1 and Only (Dolce and Gabbana The One), Casino Royale (MFK BR540), Casino Royale’s Chariot (MFK BR540 + PdM Layton):
Bought all of these during a recent 30% off sale. Due to curiosity more than anything. Smells really close to the originals and all of them has great performance.
The Body Shop, White Musk: Smells really nice, soft and clean. All of my friends really liked this one whenever I put it on. Bad performance however, of maybe only 3-4 hours max.
submitted by SABERDUHCUTES to fragrance [link] [comments]

How I Would Realistically Book AEW Fyter Fest

This would be streamed for free on B/R Live
Proud n Powerful win a 10-team Tag Team Gauntlet Match for the #1 Contenders to the AEW World Tag Team Championships
This is a gimmick match used by TNA back at No Surrender 2007 and I believe it has legs to stand on. It’s not a traditional gauntlet match where two teams wrestle, someone’s eliminated, then a new person comes in and so on. This is a unique take on the Royal Rumble. Every 60 seconds, one member of a tag team enter. Over the top rules apply for eliminations. However, a team has two chances to survive, because if one person is eliminated then the other teammate can keep fighting, but they’re on their own. Once there’s only two teams left, the people who have been eliminated that are part of those teams come back and they have a standard tag team match. The teams participating are: Kip Sabian and Jimmy Havoc, A Boy and His Dinosaur, Proud n Powerful, Death Triangle, MJF and Wardlow, Brodie Lee and 10, Private Party, SCU, Darby Allin and Cody and The Hybrid 2. The final two teams are Proud n Powerful and Death Triangle (Fénix and Pentagón). They have a great albeit short tag match, utilising the lack of over the top rope rules to the max. Proud n Powerful win, beginning tension between Fénix and Pentagón Jr.
Best Friends def. Kenny Omega and Adam Page (c) to win the AEW World Tag Team Championships
Best Friends due to their constant participation in matches on Dynamite work their way up the rankings to get the number one spot. Omega and Page lose the match after the expected classic, which creates tension between Omega and Page, because Omega was the one to be pinned.
Lance Archer def. Scorpio Sky
Archer is very angry about losing to Cody, so he gets into a mini-feud with SCU. He batters Scorpio Sky in a five minute David vs. Goliath match.
Broken Matt Hardy def. Orange Cassidy in the Last Deletion
After Double or Nothing, Matt Hardy becomes obsessed with the Jacksonville Jaguars and starts wearing their jersey everywhere, believing he is one of them after the Stadium Stampede. Kenny is still friends with him, although the rest of The Elite are a bit concerned. Kenny passes it off as just “he’s a bit mad”, but Matt starts targeting Kenny and Page’s tag rivals, the Best Friends and Orange Cassidy. Matt and OC have a lot of unconventional interactions on Dynamite, utilising the lack of crowd to the max. Whatever weird and wacky ideas they come up with, let them have it. Matt says that he has deleted in two prior companies, creating the Mattitude Mansion (take on Lance Archer’s Murderhawk Mansion) where all his deleted friends lay. He has one spot remaining for someone to delete, and that’s going to be Orange Cassidy. He dubs it the Last Deletion.
This will be the next cinematic match of AEW, because of how much of a success Firefly Funhouse, Boneyard and MITB were in WWE, and how great Stadium Stampede was in AEW. They touch upon old memes from the Broken Universe like the dilapidated fridge, lake of reincarnation, the return of Vanguard 1, Señor Benjamin and King Maxwell, while also creating new memes. It’s a lot like the Final Deletion from Impact, with a very shaky camera and cuts that make your head spin, adding to the feel its being filmed by one of Matt’s cooky friends, and battling with unconventional weapons like fireworks and trash can lids. This could be the best comedy match of the year and would be something everyone would want to watch Fyter Fest to see, which will make B/R Live very happy that everyone is on their website watching the free show.
Hikaru Shida (c) def. Kris Statlander to retain the AEW Women’s World Championship
Back to reality, due to AEW’s reliance on Japanese talent for their women’s division they don’t have a lot of top names, and Britt Baker’s injury didn’t help. Kris Statlander is the only over female talent they have left, so I think she’s a perfect fit to be Hikaru Shida’s first challenger. Kris Statlander defeats Nyla Rose in a Falls Count Anywhere #1 Contenders Match, meanwhile Hikaru defeats Priscilla Kelly in a non-Title Match. Hikaru wins.
Le Sex Gods def. The Young Bucks
Sammy Guevara wins the TNT Championship off of Cody sometime in June. Title changes should happen on TV because this will get people watching Dynamite, and it’s basically a Television Championship. Sammy becomes the top heel champion on AEW, because Mox, Shida and Cody are all babyfaces, you should at least have one top heel champ. Sammy can also fulfil the role as the next Chris Jericho, by being that cocky champ who is also hilarious. Le Sex Gods want revenge on The Elite for Stadium Stampede, and they’re wish is granted. The Bucks step up to the fight. The Inner Circle get their win back over The Elite, after a Double Judas Effect by Jericho and Sammy onto Nick.
Jon Moxley (c) (with mystery manager) def. Brian Cage (with Taz) in a Machine’s Rules Match to retain the AEW World Championship
Brian Cage won the Casino Ladder Match and this is the only match that is confirmed for the show thus far. Cage attacks Moxley with his giant poker chip on Dynamite, creating some beef. We then get a lot of video packages that would we have seen back when Cage was in Lucha Underground, of him throwing giant tires around, beating up gangs of thugs, and training like the machine he is. These can all be filmed at Cody’s wrestling school. At the end of each video he says the famous line “I’m Not a Man, I’m a Machine”. Meanwhile Taz is frequently showing up on Dynamite, confronting and calling out Moxley. Moxley responds to Taz saying he’s got his own manager to help him in the fight against Cage. And similarly to Taz/Cage, this manager is fairly similar to Moxley. He is also a famous anti-hero, who chose to not go to the other company. Taz will learn very soon who he is, if he keeps bugging him.
Cage and Moxley have a sit down interview with JR on Dynamite, with both men forced to stay apart from each other. Jim Ross firstly asks Moxley what he thinks of Brian Cage. Moxley puts Cage over first by saying he is probably the strongest and biggest guy in AEW, but that don’t mean two shits when he’s fighting Jon motherfuckin Moxley. Mox is the toughest son of a bitch in AEW, and the most crazy. You may be a machine, but I have fought men similar to you (Brock Lesnar at WrestleMania 32) and I didn’t fear em’ whatsoever because I’m fearless. This births the tag line “Madman vs. Machine.” Moxley is then asked about who is manager is. Moxley responds it’s up to Taz if he wants to find out. Taz says Moxley’s manager is irrelevant, because he could have an entire army in his corner and they still couldn’t stop “The Machine” Brian Cage.
The Exalted One begins to hold Dark Order meetings where they discuss Jon Moxley and Brian Cage. Mr. Brodie Lee says that he should be AEW World Champion right now, and that the title should be with The Dark Order. Lee gets a potshot in by calling everyone marks when they say they have inside information on who is in Moxley’s corner. The meeting ends when the lights go out and we hear the sound of a crow squawking. Next week Moxley does his own training video package where he beats up a punching bag with a black baseball bat. Brian Cage then makes the challenge to Jon Moxley, Machine’s Rules Match. The rules are: for the entire week before Fyter Fest, Monday to Sunday, both Moxley and Cage have to do Cage’s training routine. As soon as the sun bursts out, you have to start training, and you only stop when nightfalls. And this being Florida in June, you’ll be training for a long time, in absolute heat. This is how Cage lives, and if Mox trains like this for a week, they’ll out be in peak physical condition for the match. Moxley accepts, and neither show up on the go home because they’re training.
When the match comes both guys are looking real jacked baby, real jacked. Cage is able to throw Moxley around like a rag doll despite Moxley not being a small man. Taz encourages Cage the whole time. Moxley, because he’s been training like a machine, uses some of Cage’s moves. Such as hitting a Deadlift Suplex from the apron into the ring, and also the Overhead Belly to Belly Toss. He goes for a Drill Claw but Cage reverses and hits his own Drill Claw, we get a kick out. Mox hits a Paradigm Shift to the outside and both guys are dead for a while. Cage is first up, and Taz demands the bell be rung because Moxley couldn’t get up. When all of a sudden, Sting arrives The Stinger is in AEW. He marches down, points the bat at Taz, and locks in a Scorpion Death Lock. Moxley hits a Avalanche Paradigm Shift, 1...........2..........3. Moxley retains his AEW World Championship, Sting is All Elite, Brian Cage is a star, and we get a great story, and great match to make Fyter Fest a show to remember.
submitted by ConorCulture to fantasybooking [link] [comments]

MAME 0.215

MAME 0.215

A wild MAME 0.215 appears! Yes, another month has gone by, and it’s time to check out what’s new. On the arcade side, Taito’s incredibly rare 4-screen top-down racer Super Dead Heat is now playable! Joining its ranks are other rarities, such as the European release of Capcom‘s 19XX: The War Against Destiny, and a bootleg of Jaleco’s P-47 – The Freedom Fighter using a different sound system. We’ve got three newly supported Game & Watch titles: Lion, Manhole, and Spitball Sparky, as well as the crystal screen version of Super Mario Bros. Two new JAKKS Pacific TV games, Capcom 3-in-1 and Disney Princesses, have also been added.
Other improvements include several more protection microcontrollers dumped and emulated, the NCR Decision Mate V working (now including hard disk controllers), graphics fixes for the 68k-based SNK and Alpha Denshi games, and some graphical updates to the Super A'Can driver.
We’ve updated bgfx, adding preliminary Vulkan support. There are some issues we’re aware of, so if you run into issues, check our GitHub issues page to see if it’s already known, and report it if it isn’t. We’ve also improved support for building and running on Linux systems without X11.
You can get the source and Windows binary packages from the download page.

MAMETesters Bugs Fixed

New working machines

New working clones

Machines promoted to working

New machines marked as NOT_WORKING

New clones marked as NOT_WORKING

New working software list additions

Software list items promoted to working

New NOT_WORKING software list additions

Source Changes

submitted by cuavas to emulation [link] [comments]

MAME 0.215

MAME 0.215

A wild MAME 0.215 appears! Yes, another month has gone by, and it’s time to check out what’s new. On the arcade side, Taito’s incredibly rare 4-screen top-down racer Super Dead Heat is now playable! Joining its ranks are other rarities, such as the European release of Capcom‘s 19XX: The War Against Destiny, and a bootleg of Jaleco’s P-47 – The Freedom Fighter using a different sound system. We’ve got three newly supported Game & Watch titles: Lion, Manhole, and Spitball Sparky, as well as the crystal screen version of Super Mario Bros. Two new JAKKS Pacific TV games, Capcom 3-in-1 and Disney Princesses, have also been added.
Other improvements include several more protection microcontrollers dumped and emulated, the NCR Decision Mate V working (now including hard disk controllers), graphics fixes for the 68k-based SNK and Alpha Denshi games, and some graphical updates to the Super A'Can driver.
We’ve updated bgfx, adding preliminary Vulkan support. There are some issues we’re aware of, so if you run into issues, check our GitHub issues page to see if it’s already known, and report it if it isn’t. We’ve also improved support for building and running on Linux systems without X11.
You can get the source and Windows binary packages from the download page.

MAMETesters Bugs Fixed

New working machines

New working clones

Machines promoted to working

New machines marked as NOT_WORKING

New clones marked as NOT_WORKING

New working software list additions

Software list items promoted to working

New NOT_WORKING software list additions

Source Changes

submitted by cuavas to MAME [link] [comments]

Barbara Quartermaine, Maximilien's Fiery Enforcer

If l’ve learned anything in my life, it’s not to trust anyone. You’ll never be disappointed.

Basic Info

Hero Name: Barb
Real Name: Barbara Quartermaine
Occupation: Champion (Formerly), Enforcer
Nationality: Australian
Affiliation: Junkertown (Formerly), Talon

Health and Role

HP
Health: 100
Armour: 100
Shields: 0
Total: 200
Role:Damage Dealer
Subrole: FlankeDisrupter
Strengths: Able to combo her abilities, deals sustained damage in an AoE, Wildfire damage can become very high with high heat and utilisation of the ‘sweet spot’
Weaknesses: Short range with her primary fire and limits of the Heat system
Movement Speed: 5.5m/s

Abilities

Passive 1: Heat
Barb’s abilities generate heat. Heat empowers her primary fire. However, if she overheats, she is forced to cool down.
Passive 2: Fuelling the Flames
Damaging multiple enemies with Wildfire heals Barb over time.
Primary Fire: Wildfire
Barb releases streams of flame from her palms, creating a deadly cone of heat before her.
Secondary Fire: Fastball
Barb creates a volatile ball of flames before launching it at her enemies.
Ability 1 (Shift): Flame Burst
Barb blasts flames behind her, propelling herself in the direction she is facing.
Ability 2 (E): Phoenix Blast
Barb blasts the ground around her with molten flame, damaging enemies in her vicinity. Dropping from higher up increases the damage, but also the heat cost.
Ultimate Ability: Infernal Overdrive
Barb utilises the prototype cybernetics provided by Talon to create a fiery tornado, pulling enemies towards her before releasing an explosion of heat at point blank range.

Lore

Story:
Barbara Quartermaine grew up in the Scrapyard, quickly becoming the champion of the arena in her trusty mech, Firebrand. She earned the nickname of ‘Junker Princess,’ due to her charisma and fame in the arena and many believed she would eventually take control of Junkertown from the Queen.
This worried the Queen, hoping to keep her iron grip over the population. Before her next bout against the mysterious stranger known as ‘Wrecking Ball’, the Queen ordered for Barb’s mech to be sabotaged. When the fight began, her mech exploded and Barbara’s arms were heavily scarred from the explosion. Wrecking Ball was crowned as the Queen’s new champion while Barbara was exiled from Junkertown.
With nowhere to call home, Barbara travelled the world, working for criminals and lowlifes as an enforcer. It was only after a chance encounter with the omnic, Maximillien, that she was employed by Talon, who replaced her arms with cybernetic prosthetics with built in flame throwers. Working as Maximillien’s personal enforcer and bodyguard, Barbara has been tasked with aiding Doomfist’s forces against Overwatch, as well as to keep an eye on Ogundimu himself for Maximillien. Despite her exile, Barbara believes herself to be the rightful heir to Junkertown, and plans to one day return and claim her prize.
Allies: Maximillien, Talon
Enemies: Overwatch, The Junker Queen, Wrecking Ball

Interactions

Barb: If it isn’t Talon’s number one traitor. I always knew you were too much of a hero to stick with us.
Baptiste: I’m honestly not sure whether that was a compliment or an insult.
Doomfist: So, Maximillien sent his best. Consider me honoured.
Barb: Heh. Max wanted me to watch your back… real close.
Barb: Mako, right? I remember hearing about you when I was a kid. You’re a legend in the Scrapyard!
Roadhog: Grunts
Junkrat: Nervously Princess?
Barb: Chuckles Relax, Jameson. I don’t work for the Queen anymore… but call me Princess again and you’ll be more than ‘toasty’.

Appearance

Age: 24
Hair Colour: Red
Eye Colour: Black
Height: 1.7m
Build: Well-built but slim
Clothing: A tattered, sleeveless leather jacket, combat pants, tinted goggles and large boots
Notable Features: Cybernetic arms and bright, stylised hair

Skins

Epic:
Cybernetic
Infernal
Legendary:
Enforcer – Maximillien has a strict dress code within his casino, even for his bodyguards. Fortunately, Barb is still able to inject her own style.
Ruffian

Notes:

I’m trying out a new design template, so feedback on that would be nice. I’m sure I’ve probably forgotten something important.
I think Barb’s design is pretty solid for a mobile flanker. She has the self-heal while using Wildfire but is hard countered by barriers.
My only real concern is that stacking Sweet Spot with the boost from having high heat would deal too much damage but I’ll see what you guys think. Other than that, I welcome any critique and I’d love to discuss this concept with you.
submitted by Magmas to OverwatchHeroConcepts [link] [comments]

MAME 0.215

MAME 0.215

A wild MAME 0.215 appears! Yes, another month has gone by, and it’s time to check out what’s new. On the arcade side, Taito’s incredibly rare 4-screen top-down racer Super Dead Heat is now playable! Joining its ranks are other rarities, such as the European release of Capcom‘s 19XX: The War Against Destiny, and a bootleg of Jaleco’s P-47 – The Freedom Fighter using a different sound system. We’ve got three newly supported Game & Watch titles: Lion, Manhole, and Spitball Sparky, as well as the crystal screen version of Super Mario Bros. Two new JAKKS Pacific TV games, Capcom 3-in-1 and Disney Princesses, have also been added.
Other improvements include several more protection microcontrollers dumped and emulated, the NCR Decision Mate V working (now including hard disk controllers), graphics fixes for the 68k-based SNK and Alpha Denshi games, and some graphical updates to the Super A'Can driver.
We’ve updated bgfx, adding preliminary Vulkan support. There are some issues we’re aware of, so if you run into issues, check our GitHub issues page to see if it’s already known, and report it if it isn’t. We’ve also improved support for building and running on Linux systems without X11.
You can get the source and Windows binary packages from the download page.

MAMETesters Bugs Fixed

New working machines

New working clones

Machines promoted to working

New machines marked as NOT_WORKING

New clones marked as NOT_WORKING

New working software list additions

Software list items promoted to working

New NOT_WORKING software list additions

Source Changes

submitted by cuavas to cade [link] [comments]

Où placer mon argent ?

Salut à tous. Voici un panorama des possibilités de placement actuellement offerts en France. Dès que nous aurons un wiki j'y mettrai ce contenu que chacun puisse contribuer. Edit: Du Gold ? Merci beaucoup !
Évaluation:
Avis Explication
:-) Recommandé pour tous
:-/ Recommandé dans certains cas seulement
:-( non recommandé
Taxe:
Raccourci Explication
IR Impôt sur le revenu (5,5% à 41%)
PL Prélèvement libératoire (24%)
CS Cotisations sociales (15,5%)
Epargne court terme (0-5 ans)
Nom Avis Rendement Risque Taxe Blocage ? Max Commentaire / Recommandations
Livret A :-) 0,75 % Aucun risque Néant Disponible immédiatement 23 k€ Un rendement de plus en plus faible mais l'absence d'imposition et la disponibilité immédiate en fait un support idéal pour l'épargne de précaution. Y placer 6 mois de salaire. Utiliser un Livret jeune ou LEP si possible avant un livret A.
LDD :-) 0,75 % Aucun risque Néant Disponible immédiatement 12 k€ Identique au Livret A, à utiliser lorsque le plafond du livret A est atteint.
Livret jeune :-) 1,25% typiquement Aucun risque Néant Disponible immédiatement 1,6 k€ Seulement pour les moins de 25 ans, à utiliser avant le livret A si éligible. Plafond très faible.
Livret d'épargne populaire :-) 1,25 % Aucun risque Néant Disponible immédiatement 7,7 k€ Disponible sous plafond de ressources (19k€ de revenus par an max pour un célibataire), à utiliser avant le livret A si éligible.
Comptes à terme :-( Variable (0,5 %) Aucun risque IR + CS Bloqué entre 1 et 5 ans Néant Rendements très faible, imposition des bénéfices, épargne bloquée, les comptes à terme des banques n'ont actuellement aucun intérêt
Livrets bancaires :-/ typiquement 0,5 %, taux promotionnels jusqu'à 3% Aucun risque IR + CS Disponible immédiatement Néant Rendements très faible, imposition des bénéfices, les livrets bancaires sont utiles seulement pour placer temporairement des liquidités disponibles
SICAV monétaires :-( Variable, moins de 0,5% Aucun risque IR + CS Disponible immédiatement Néant Les SICAV monétaires n'offrent plus que des rendements quasiment nuls
Warrants :-( -100% à +10000% Risque extrême IR + CS Disponible immédiatement Néant Produits à effet de levier qui permettent d’amplifier les variations d’un actif à la hausse comme à la baisse. Autant jouer au casino c'est moins risqué. Seules les banques qui les commercialisent gagnent de l'argent avec les warrants.
FOREX :-( -100% à +10000% Risque extrême IR + CS Disponible immédiatement Néant Produits à effet de levier qui permettent de jouer sur les marchés des devises. Déconseillé aux particuliers.
Epargne moyen terme (5-10 ans)
Nom Avis Rendement Risque Taxe Blocage ? Max Commentaire / Recommandations
Assurance vie :-) :-) Variable 2,5 - 3% (fonds euros) / Performance boursière (unités de compte) Aucun risque (fonds euros) / Risque élevé (unités de compte) CS Pas de blocage mais imposition des bénéfices si retrait avant 8 ans Néant LE support pour construire et transmettre un patrimoine. Ouvrez-en une aujourd'hui pour prendre date. Aussi pour les enfants, dès leur naissance, plutôt qu'un livret A. Attention aux frais: privilégier les assurances vies en lignes sans frais sur les versements et pas plus de 0,6% par an de frais de gestion. Ne pas ouvrir son assurance-vie dans une grande banque. Ne pas tout placer sur le fonds en euros, affecter une partie sur des unités de compte pour dynamiser (en fonction de la tolérance au risque). Permet également de transmettre 150k€ en franchise de droits de succession.
PEE :-) Selon supports disponibles dans le plan Aucun risque (supports monétaires) à risque élevé (supports actions) CS 5 ans mais nombreuses possibilités de déblocage Néant Le PEE est doublement intéressant: les gains sont défiscalisés et l'employeur peut abonder les versements (jusqu'à les tripler, plafond de 3400€/an) également sans imposition des abondements employeur.
PEA :-) Performance de la bourse Risque élevé CS Non bloqué mais le retrait avant 5 ans entraîne l'imposition à IR 150 k€ Le PEA ne peut être investi qu'en actions de l'union européenne, excellent support pour investir en bourse sans payer l'IR, à condition de conserver au moins 5 ans
PEL :-( 1% Aucun risque CS 4 ans 61 k€ Le PEL n'est plus très intéressant avec la baisse des taux de crédit immobilier, et son taux d'épargne de 1% est inférieur à l'assurance-vie
CEL :-( 0,50% Aucun risque CS 2 ans 15 k€ Plafond bas, rémunération quasi-nulle, le CEL n'a aucun intérêt
SICAV obligataires :-( Variable, moins de 1% Risque moyen IR + CS Disponible immédiatement Néant Les SICAV obligataires n'offrent pas actuellement de performances attirantes pour cause de taux faibles.
SICAV actions :-/ Performance de la bourse moins frais Risque élevé IR + CS Disponible immédiatement Néant Les SICAV actions sont un moyen efficace de dynamiser son épargne mais supportent des frais supérieurs aux trackers. A placer dans une AV ou PEA pour éviter IR sur bénéfices.
Trackers actions :-) Performance de la bourse + dividendes (2%/an) Risque élevé à très élevé en fonction du secteur choisi IR + CS Disponible immédiatement Néant Les trackers permettent de dynamiser son épargne avec un minimum d'effort et de frais. A placer dans une AV ou PEA pour éviter IR sur bénéfices.
Actions en direct :-/ Performance de l'action individuelle + dividendes (néant à 5% selon l'action) Risque élevé à très élevé en fonction de l'action choisie IR + CS Disponible immédiatement Néant Les actions en direct sont à réserver à des investisseurs avertis pour une faible partie du patrimoine. A placer dans une AV ou PEA pour éviter IR sur bénéfices.
Epargne long terme (+10 ans)
Nom Avis Rendement Risque Taxe Blocage ? Max Commentaire / Recommandations
SCPI (Société civile de placement dans l'Immobilier :-) Variable dans les 5% historiquement Risque moyen lié à l'évolution des prix immobiliers CS + IR mais généralement effacé par un déficit foncier Pas de blocage mais marché de la revente limité et lent Néant Excellent support pour investir dans l'immobilier sans contraintes avec l'objectif d'un complément de revenus pour la retraite ou pour devenir rentier. Les frais importants à l'entrée en font un placement de long terme.
PERP :-/ Variable selon les contrats dans les 2-3% Sans risque généralement Primes versées déductibles des revenus en phase d'épargne, rente versée imposée IR Blocage quasi-total jusqu'à la retraite Néant Uniquement pour les gros revenus qui anticipent une forte baisse des revenus à la retraite. Attention impossible de retrouver le capital sortie en rente seulement !
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