Home
Our solutions
Preparing for retirement

Aiming for a retirement income stream within the framework of an IS holding company

For a wealth management holding company, the goal is not merely to invest available cash; it is to build a portfolio capable of sustaining one’s standard of living over the long term, with a focus on cash flow. In a climate of uncertainty regarding future income and a desire for diversification, private equity—uncorrelated with public markets and rooted in the real economy—enables the creation of a long-term, distribution-oriented strategy, following a discipline comparable to institutional standards.
Customer context
Horizon
10 to 20 years
Objective:
Determine the financial commitments needed to maintain your standard of living in retirement
Available capital:
≥ $300,000 – $400,000
The objectives
Define a target flow (desired level of distributions at maturity), then size a commitment trajectory that will gradually generate potentially stable income, consistent with a long-term strategy within the company.

Re-Up via the Odyssey line

The Re-Up program through the Odyssey portfolio Odyssey through consistent annual investment and a disciplined multi-year approach, the holding company is gradually building exposure to private equity.

Once a certain level of maturity has been reached (often around year 7), the first distributions generated by the initial vintages can help finance new capital calls. The holding company can thus maintain its exposure while gradually reducing the need for additional cash injections.

Strategic architecture

Multi-vintage construction

The holding company makes regular commitments over several vintages in order to smooth out cycles and avoid concentration on a single entry point.

Overlaying flows

Thanks to the natural time lag between commitments and capital calls, the cash flow effort is spread out over the first few years. The trajectory becomes predictable, without immediately tying up the entire amount committed.

Institutional distribution logic

As older vintages enter distribution, the cash flows generated can gradually contribute to financing future calls. This overlap between the investment and distribution phases helps stabilize cash flow dynamics at maturity.

Steering via simulation

The trajectory can be constructed from:

  • Available capital
  • Target capital at a given time horizon
  • Target income

 

Projections can be expressed as gross, net of income tax, or net distributable to partners. The model distinguishes between company-level performance and the impact of a distribution.

Taxation: gains realized are included in taxable income. Any distribution may result in additional taxation at the personal level.

The advantages for investors

  • A structured “flow” approach: a path designed based on a target standard of living.
  • Greater clarity in the scenarios: projections can be presented on a gross basis, net of corporate income tax, or as net distributable to partners, depending on the assumptions used.
  • An institutional discipline: temporal diversification and gradual construction of a mature portfolio.

The graphic illustration or result presented is not a reliable indicator of future performance. The evolution of values may differ from what is shown, either upward or downward. Gains and losses may exceed the amounts shown in the most favorable and most unfavorable scenarios, respectively. Past performance is not indicative of future results. The applicable tax treatment depends on your individual circumstances. The Re-up program does not constitute an automatic subscription offer or a contractual commitment. Annual subscription to a new Vintage the Odyssey range Odyssey entirely optional and must be the subject of a separate investment decision, based on the regulatory documents of the fund concerned and the individual circumstances of the investor.

Altaroc products Altaroc help your clients achieve their goals
Altaroc Odyssey
FPCI
Altaroc Discovery
FCPR
Altaroc Infinity
FPCI
Altaroc services Altaroc support your customers
Develop investment strategies tailored to your clients
Access dedicated simulations
Use case summary
Download the file
Contact your Partner Manager
Receive personalized support

Discover our related content

No articles in this category yet.
No articles in this category yet.
No articles in this category yet.
No articles in this category yet.

Our use cases

Aim for a family income - IR
Horizon
10 to 20 years
Target
Set a target level for supplemental family income
Available capital
≥ $300,000 – $400,000
See the use case
Structuring your retirement within the framework of an IS holding company
Horizon
10 to 20 years
Target
Utilizing the cash reserves of a family-owned business to prepare for retirement
Available capital
≥ $300,000 – $400,000
See the use case
Create liquid capital - IS
Horizon
10 to 20 years.
Target
Develop an investment strategy with a phased exit to rebuild liquid capital
Available capital
≥ $300,000 – $400,000
See the use case
Transferring structured capital – IR
Horizon
10 to 20 years
Target
Planning for a phased transfer of structured capital
Available capital
≥ $300,000 – $400,000
See the use case
Transferring income - IS
Horizon
10 to 20 years
Target
Structuring distributable cash flows through a corporation subject to corporate income tax
Available capital
≥ €300,000–€400,000
See the use case
Aiming for retirement income for high-income profiles
Horizon
10 to 20 years
Target
Calculate pension contributions based on a target retirement income
Available capital
≥ $300,000 – $400,000
See the use case
Preparing for retirement for high-income earners
Horizon
Over 10 years
Target
Planning for retirement with peace of mind in a changing world
Available capital
≥ $300,000 - $400,000
See the use case
Transferring income – IR
Horizon
10 to 20 years
Target
Establishing intergenerational transfer mechanisms
Available capital
≥ $300,000 – $400,000
See the use case
Structuring family protection – IR
Horizon
10 to 20 years.
Target
Establish a secure and sustainable source of income for the family
Available capital
≥ $300,000 – $400,000
See the use case
Aiming for additional income – IS entrepreneur
Horizon
10 to 20 years
Target
Determine the path based on a target additional income stream
Available capital
≥ $300k–$400k (at the company level)
See the use case
Transferring structured capital – IS
Horizon
10 to 20 years
Target
Structuring the transfer of capital through a holding company subject to corporate income tax
Available capital
≥ $300,000 – $400,000
See the use case
Generate additional income – Entrepreneur IS
Horizon
10 to 20 years
Target
Structuring complementary cash flows through a corporation subject to corporate income tax
Available capital
≥ $300,000 – $400,000
See the use case
Create liquid capital - IR
Horizon
10 to 20 years.
Target
Design an investment strategy aimed at generating liquid capital at the target maturity date
Available capital
≥ $300,000 – $400,000
See the use case
Structuring retirement for high-income profiles
Horizon
10 to 20 years
Target
Turn available capital into a source of future income
Available capital
≥ $300,000 - $400,000
See the use case
Building PE capital - IS
Horizon
10 to 20 years
Target
Capitalize on long-term private equity investments through phased commitments over time and across market cycles
Available capital
≥ $300,000 – $400,000
See the use case
Building PE capital - IR
Horizon
10 to 20 years
Target
Capitalize through the gradual reinvestment of distributions over the long term
Available capital
≥ $300,000 – $400,000
See the use case

By your side to support your customers.

Whether you want to understand our solutions, integrate unlisted assets into your asset allocation, or become a partner, we are available to answer your questions and guide you toward the best options for your situation.
Commercial communication of a promotional nature
It should be noted that past performance is not indicative of future results and is not consistent over time.
Welcome to Altaroc
To provide you with a tailored experience, we invite you to complete your profile.
Your profile
country of tax residence
Select
choosenCountry
Preferred language
Select
choosenLang
Your investor profile
Financial intermediary or Professional investor
Financial advisors, wealth management advisors, private bankers, or any other investment service providers.
Qualified Investor or Altaroc Investor
Experienced Investor or Altaroc Investor
Private investors who have already invested in Altaroc who have a minimum investment capacity of €100,000.
Private investors who have already invested in Altaroc who have a minimum investment capacity of €250,000.
Inexperienced investor
Individual investors with an investment capacity of less than €100,000.
Individual investors with an investment capacity of less than €250,000.
Institutional investor
Pension funds, retirement funds, asset management firms, and single-family offices.
Scroll down to accept General Terms and Conditions
The webpage you are trying to access is not available in your country.