Beyond traditional savings:
5 innovative ways to invest
Real estate for €10, shares in luxury watches, financing wind turbines, or Bitcoin? Discover how to boost your returns with fractional and participatory investing.
Parrainage Hub
Updated on February 7, 2026
Why diversify?
Don't put all your eggs in one basket. In 2026, access to "premium" asset classes has been democratized. You no longer need to be a millionaire to invest in art or commercial real estate. Here are 5 reliable European platforms that we have tested.
1. Bricks: Paper real estate starting at €10
Bricks revolutionized the French market by offering to buy "bricks" (shares) of income properties. You receive a portion of the rent every month, directly into your account.
Monthly passive income (Rent distribution).
Possibility to resell shares on the secondary market.
European Crowdfunding License.
2. Splint Invest: Luxury at your fingertips
Investing in a Rolex, a grand cru wine, or a rare whisky cask? It's possible. Splint Invest fractionalizes physical collectibles. It is the ideal asset to decouple your savings from the stock market.
Tangible assets stored in secure vaults.
"Pleasure" diversification (Wine, Art, Lego...).
Independent experts for valuation.
3. Enky: Profitable circular economy
An original and solid concept: you buy designer office furniture (chairs, desks, acoustic booths) which is then leased to startups or large groups.
Concrete and sustainable investment.
Monthly repayment (Principal + Interest).
Historically very low default rate.
4. Enerfip: Give meaning to your savings
Leader in crowdfunding for the energy transition. You finance solar, wind, or hydro parks. It is one of the most stable investments (energy is a constant need).
Direct and measurable ecological impact.
Platform regulated by the AMF.
No entry or management fees for the investor.
5. Bitstack: Painless Bitcoin savings
The most painless way to start in crypto. The app rounds up your daily expenses to the nearest euro and automatically invests the difference in Bitcoin.
Painless savings via automatic round-ups.
Registered as PSAN with the AMF (France).
Ideal for smoothing your investment (DCA).
Summary of Opportunities
| Platform | Asset Type | Yield* | Risk |
|---|---|---|---|
| Bricks | Real Estate | ~10% | 3/5 |
| Splint Invest | Luxury & Art | ~12% | 4/5 |
| Enky | Pro Furniture | ~7% | 2/5 |
| Enerfip | Green Energy | ~6% | 2/5 |
| Bitstack | Bitcoin - BTC | Highly variable | 5/5 |
*Past performance is no guarantee of future results. Investing involves risks of capital loss.
Frequently Asked Questions
Is it risky to invest on these platforms?
Yes, any investment outside of a guaranteed savings account carries a risk of capital loss or illiquidity (difficulty selling quickly). It is advised to only invest money you don't need in the short term and to properly diversify your projects.
How are gains taxed?
In France, most of these gains (Bricks, Enerfip) are subject to the Flat Tax (Unique Flat-rate Levy) of 30%. For Splint Invest, taxation may depend on the asset type and the holding period (capital gains on movable property).
This article is for informational purposes only and does not constitute investment advice.
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