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Preparing for retirement

Preparing for retirement for high-income earners

With uncertainty surrounding pensions, French people are seeking to gain greater control over their financial future. Anticipating, diversifying, and saving for the long term are becoming essential. Private equity, which is uncorrelated with the markets and rooted in the real economy, helps build a more solid wealth strategy for retirement.
Customer context
Horizon
Over 10 years
Objective:
Planning for retirement with peace of mind in a changing world
Available capital:
≥ $300,000 - $400,000
The objectives
Generate regular supplemental income during the portfolio's maturity phase through distributions

Re-up via Odyssey

The Re-Up program via Odyssey thanks to a constant annual commitment and a time-limited financing effort, investors can—starting in year 7—finance their capital calls using distributions generated by the first vintages.

Strategic architecture

Consistent annual commitment

The investor commits to investing €123k per year, following a disciplined and regular investment strategy over several years.

Time-limited funding effort

Thanks to the time lag between commitments and calls for funds, the actual financing of the strategy amounts to only €381k spread over the first six years, rather than the full amount of the commitments.

Self-financing of the portfolio from year 7 onwards

Starting in the seventh year, the first distributions generated by the initial vintages are sufficient to cover new capital calls.

As a result, the investor no longer needs to inject additional capital, while maintaining their exposure to private equity.

Steering via simulation

The trajectory can be constructed from:

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

Projections can be expressed gross or net of income tax. The modeling incorporates capital calls, cash flow troughs, and estimates of future cash flows.

Taxation: Capital gains are subject to the current tax rules governing investment income.

The advantages for investors

  • A long-term horizon perfectly suited to retirement: Build your capital gradually and in a disciplined manner.
  • Potentially superior performance and less sensitivity to markets: Access the momentum of private equity, which has historically outperformed.
  • Useful and meaningful diversification: Build your wealth while financing real, innovative businesses.

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.

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10 to 20 years
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10 to 20 years
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10 to 20 years
Target
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≥ $300,000 – $400,000
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10 to 20 years
Target
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≥ $300k–$400k (at the company level)
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Horizon
10 to 20 years
Target
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Available capital
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Structuring retirement for high-income profiles
Horizon
10 to 20 years
Target
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Available capital
≥ $300,000 - $400,000
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Horizon
10 to 20 years
Target
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Available capital
≥ $300,000 – $400,000
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Horizon
10 to 20 years
Target
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Available capital
≥ $300,000 – $400,000
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Horizon
10 to 20 years.
Target
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Available capital
≥ $300,000 – $400,000
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Horizon
10 to 20 years
Target
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Available capital
≥ $300,000 – $400,000
See the use case

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It should be noted that past performance is not indicative of future results and is not consistent over time.
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