Outre l'utilisation d'un différentiel dans la fiscalité des produits et la mise en place de montages patrimoniaux, ce document insiste sur l'importance, pour les épargnants, d'une stratégie d'investissement concernant le financement de leurs retraites. ©Electre 2024
Investment Strategies for Retirement
The issue of pension financing is evolving everywhere, becoming more of a collective corporate or purely individual matter rather than a State one. Demographic changes are making sharing mechanisms hard to control, and social deficits are leading to States often pulling back from their obligations. The responsibility is therefore gradually being transferred from Society to savers, who will have to assume an increasing responsibility for constituting their supplementary pension during the period after retirement.
However, doing so is not a formality. Individuals are often badly prepared to face up to these issues and several asset management-related matters are complicated by the specific characteristics of a pension plan. Many different questions will arise throughout the saver's life. At what age should I start saving ? When should I increase or reduce my savings ? What products should I choose ? What degree of risk should I take on ? Are there more favourable underlyings, e.g. property ? How do I secure my income ? Should I choose an annuity or a capital sum ? What insurance products are available to protect my savings ?
The use of a differential in the taxation of products and the implementation of asset packages must also be considered. However, the investment strategy is probably what still takes priority in this very long savings process.
This publication, which is intended for investment professionals, customer advisors, well-informed individuals or students, looks at some of the fundamental elements of investment techniques for retirement.
Paru le : 16/10/2017
Thématique : Vie familiale - Généralités Développement personnel
Auteur(s) : Auteur : Franck Nicolas
Éditeur(s) :
Eska
Collection(s) : Non précisé.
Contributeur(s) : Préfacier : Andrew Tunningley
Série(s) : Non précisé.
ISBN : 978-2-7472-2713-1
EAN13 : 9782747227131
Reliure : Broché sous jaquette
Pages : 404
Hauteur: 24.0 cm / Largeur 16.0 cm
Épaisseur: 2.4 cm
Poids: 736 g
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