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How to develop and optimize

your wealth ?

June 11th, 2013

Institut Français du Pétrole

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Summary

1/ What is wealth management

2/ Which savings for your money

3/ Buying or renting a flat

4/ How to reduce tax

5/ Conclusion

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1/ What is wealth management?

• Creating, developing, and optimizing your wealth regarding financial, tax and law aspects

• Service useful from +/- 2500€/month salary

• How to define a good strategy : + what you get & +++ your objectives

• Which person to help you - What about the cost ?

• CGPI = Conseiller en Gestion de Patrimoine Indépendant

• Accreditations

• 100% independent, no capitalistic link to any institution

• Identify the best solutions amongst many providers

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Focus on CGPI

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2/ Which savings for your money

• Must understand the underlying (stocks, bonds, real estate, commodities…)

• Regarding your Investor profile (security, 50/50, dynamic)

• Duration before project : short, medium or long term

• Comparison1

Savings

< ASSURANCE-VIE >

PEACAT

SCPIPEECSL

PERCOPELLDD

PERPCELLivret A

LTMTCT

1400 Milliards € = N°1

260 Milliards €= N°2

• Flexibility : savings at your pace & access to many funds

• Low taxation : from 4 years, especially from 8 years

• Transmission

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Life-insurance : Why it works ?

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Savings

CT MT LT

Livret A CEL PERP

LDD PEL PERCO

CSL PEE SCPI

CAT PEA

< ASSURANCE-VIE >

1400 Milliards € = N°1

260 Milliards € = N°2

• Flexibility : savings at your pace & access to many funds

• Low taxation : from 4 years, especially from 8 years

• Transmission

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Life-insurance : Why it works ?

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Comparison of 4 investments

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Comparison of 4 funds into a life-insurance

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3/ Buying or renting a flat

• Paying cash or contracting a loan ?

• The problem of long term loan

• Leverage credit effect : the rent pays your loan

• Reason or passion

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20 years fixed rate loan

Many interests paid during the first years

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4/ How to reduce tax

• French taxation or having a local contract (verify the Fiscal Convention)

• Tax reduction might not be the top priority when looking for a solution

• 2 ways for reducing tax (taxable earnings or tax due)

• Solutions (Perp, Duflot, FCPI, having kids, charity…)

• One solution : diversification

• Anticipation

• Take advantage of the fiscal ‘countdown’

• Find the right compromise between reason and passion

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Conclusion

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Anticipation : savings program

585 €197 €86 €40 €7%

648 €246 €123 €67 €5%

717 €306 €173 €109 €3%

55453525Net rate

Age

How much to invest each month to have 100.000 € at 65 ?

Saving effortless

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Anticipation : savings program

Age

Net rate 25 35 45 55

3% 109 € 173 € 306 € 717 €

5% 67 € 123 € 246 € 648 €

7% 40 € 86 € 197 € 585 €

How much to invest each month to have 100.000 € at 65 ?

Saving effortless

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