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The earlier you plan ahead, the less effort you will need to make to supplement your income when you arrive.
As a reminder, the French pension system is based on two schemes:
- the basic scheme managed by the social security system, which is based on a system of quarters contributed, giving entitlement to a pension, the amount of which is defined by the validation of 160 to 172 quarters, depending on your year of birth, for a full pension. A similar system exists for the liberal professions, managed by the Social Security. CNAVPL
- the supplementary pension scheme, on the other hand, is a points-based system in which each member accumulates points and converts them into euros when they retire.
However, with increasing life expectancy and longer retirement periods, our schemes rarely guarantee sufficient income for a comfortable retirement, without having to sacrifice leisure, health or quality of life at home. And even less so when you can no longer stay at home and have to pay for very expensive adapted facilities.
Our team of wealth managers is at your side to help you prepare for this new stage in your life.
With the right strategy, the right products and the right timing, we can give you every chance of enjoying a worry-free, high-quality retirement.
Our solutions for preparing his pension
Preparing for retirement can be anticipated and planned for throughout your working life, but you still need to be able to select the right solution and have a long-term vision and control.
Many tools are available and our experts are here to help you make the right choices, taking into account your current financial situation, your future plans and your appetite for risk.
Our systems for a peaceful retirement
Life insurance
Life insurance allows you to grow your savings so that you can benefit from a capital sum when you retire, which can also be withdrawn in the form of regular tax-advantaged income.
Capitalisation contract
A capitalisation contract is a savings vehicle that can be passed on by gift or inheritance, and benefits from very advantageous tax treatment.
Retirement Savings Plan (PER)
Total exemption from capital gains tax on the 5th anniversary of the policy
Real estate
Our solutions for building a balanced and optimised property portfolio
SCPI
Investing in SCPI units allows you to benefit from regular income without the management constraints associated with owning property directly.
Furnished serviced residence
An investment that gives you peace of mind in terms of management and tax-free rental income