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Similar to COMMENT DEVELOPPER SON PATRIMOINE ? Cabinet de Gestion de patrimoine - Cedre Patrimoine - juin 2013
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COMMENT DEVELOPPER SON PATRIMOINE ? Cabinet de Gestion de patrimoine - Cedre Patrimoine - juin 2013
- 1. 1 How to develop and optimize your wealth ? June 11th, 2013 Institut Français du Pétrole
- 2. 2 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
- 3. 3 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 ?
- 4. • CGPI = Conseiller en Gestion de Patrimoine Indépendant • Accreditations • 100% independent, no capitalistic link to any institution • Identify the best solutions amongst many providers 4 Focus on CGPI
- 5. 5 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 • Comparison 1 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 1 Life-insurance : Why it works ?
- 6. 6 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
- 7. • Flexibility : savings at your pace & access to many funds • Low taxation : from 4 years, especially from 8 years • Transmission 7 Life-insurance : Why it works ?
- 8. 8 Comparison of 4 investments
- 9. 9 Comparison of 4 funds into a life-insurance
- 10. 10 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
- 11. 11 20 years fixed rate loan Many interests paid during the first years
- 12. 12 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…)
- 13. • One solution : diversification • Anticipation • Take advantage of the fiscal ‘countdown’ • Find the right compromise between reason and passion 13 Conclusion 1 Anticipation : savings program 585 €197 €86 €40 €7% 648 €246 €123 €67 €5% 717 €306 €173 €109 €3% 55453525Net rate Ag e How much to invest each month to have 100.000 € at 65 ? Saving effortless
- 14. 14 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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