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Preparing for retirement

Structuring your retirement within the framework of an IS holding company

The managers and shareholders of asset holding companies often have significant cash reserves within the company. Rather than leaving this cash idle, the challenge is to mobilize it as part of a long-term strategy aligned with a retirement objective: building a portfolio capable of generating cash flows at maturity, while diversifying exposure and anchoring it in the real economy. Private equity, which is uncorrelated with listed markets, allows this cash to be placed on a structured wealth trajectory.
Customer context
Horizon
10 to 20 years
Objective:
Utilizing the cash reserves of a family-owned business to prepare for retirement
Available capital:
≥ $300,000 – $400,000
The objectives
Transform a holding company's cash reserves into a value-generating portfolio, then generate distributions that can contribute to additional income (or a cash flow boost) in the long term.

Re-Up via Odyssey

The Re-Up program via Odyssey through consistent annual commitment and multi-vintage discipline, the holding company is gradually building up its exposure to private equity.

Once a certain level of maturity has been reached (around year 7), the mechanism allows the first distributions from the initial vintages to contribute to the financing of new capital calls, reinforcing the continuity of the strategy.

Strategic architecture

Consistent annual commitment

The holding company commits to several vintages each year in order to smooth the entry point and ensure that investment is consistent and disciplined.

Time-limited funding effort

The gap between commitments and capital calls allows cash flow efforts to be concentrated in the early years, rather than immediately tying up all commitments.

Gradual self-financing of the portfolio

As the first vintages enter the distribution phase, the revenue generated can help fund some of the new projects.

The holding company thus maintains its exposure while gradually reducing the need for additional financing.

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 long-term strategy compatible with a family holding company: deploying excess cash in a gradual and disciplined manner.
  • A controllable cash flow approach: the ability to structure a strategy focused on distributions at maturity (net of tax / net distributable based on parameters).
  • Structural diversification: exposure to the real economy, less correlated with listed markets.

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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Our use cases

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
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
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
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
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
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
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
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
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
Aiming for a retirement income stream within the framework of an IS holding company
Horizon
10 to 20 years
Target
Determine the financial commitments needed to maintain your standard of living in retirement
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
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
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
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
Transferring income – IR
Horizon
10 to 20 years
Target
Establishing intergenerational transfer mechanisms
Available capital
≥ $300,000 – $400,000
See the use case

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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.
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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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