Retirement is a new stage of life, with more time for yourself, your loved ones and your plans. But to enjoy it fully, you need the financial resources to go with it.
With the foreseeable drop in income when you retire, it is essential to plan ahead to maintain your standard of living and keep your freedom of choice.
Good news: it is never too early, and not necessarily too late, to act.
Do you know what your retirement income will be?
Between the different pension schemes, regulatory changes and the specifics of each career path, it is not always easy to see clearly.
Yet a few questions are worth asking:
- At what age will you be able to retire?
- How much will your future pension be?
- What additional income will you need to maintain your standard of living?
- How much should you save today to reach your goals?
- How can you prepare your retirement while optimising your current taxation?
Taking stock of your situation is the first step towards building a suitable strategy.
Solutions to top up your future income
There is no single solution for preparing your retirement. It all depends on your age, your income, your assets, your capacity to save and your goals.
Several strategies can be considered:
Gradually building up capital
Setting up regular savings, even modest ones, lets you build up capital over the long term and benefit from compound interest.
Preparing additional income
Real estate investment, SCPIs or certain financial investments can help generate additional income in retirement.
Optimising your taxation
Some schemes, such as the retirement savings plan (PER), let you prepare for the future while benefiting, depending on your situation, from tax advantages today.
Making the most of your existing assets
Do you already have savings or property? A review of your investments can identify ways to improve them and better prepare your retirement.
With Tolteka, build a retirement that suits you
Our role is to help you see clearly and make the right decisions at the right time.
We start by reviewing your personal, professional and financial situation, then we assess your future needs and the solutions that could help you reach your goals.
Our support goes beyond choosing an investment: together we build an overall strategy, suited to your situation and your plans, which we can adjust over the years.
Shall we take stock of your future retirement?
Would you like to know where you stand and which solutions could help you prepare your future with more peace of mind?
Let’s talk about your situation and your goals. Book a first meeting, free and with no commitment.
