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Preparing for retirement

Aiming for retirement income for high-income profiles

Professionals often seek to secure their standard of living in retirement, given the limited predictability of future income from mandatory pension plans. In this context, the challenge is not merely to invest available capital, but to design a financial plan based on a target income. Private equity, which is uncorrelated with public markets and rooted in the real economy, allows investors to build a long-term portfolio whose distributions can, upon maturity, help generate supplemental income.
Customer context
Horizon
10 to 20 years
Objective:
Calculate pension contributions based on a target retirement income
Available capital:
≥ $300,000 – $400,000
The objectives
Define a target level of supplementary income for retirement, then structure a progressive investment path that will enable you to build up regular distributions in line with this objective when you reach maturity.

Re-Up via Odyssey

The Re-Up program via Odyssey through consistent annual commitment and a disciplined multi-vintage approach, investors gradually build a diversified portfolio over time.

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, reducing the need to inject additional capital while maintaining exposure to private equity.

Strategic architecture

Multi-vintage construction

Investors commit annually on a regular basis over several vintages, which helps smooth out economic cycles and avoid concentration on a single entry point.

Overlaying flows

Thanks to the natural time lag between commitments and calls for funds, cash flow mobilization is spread out over the first few years of the trajectory. This makes financing efforts easier to plan and more gradual, rather than concentrated immediately.

Institutional distribution logic

As the first vintages enter the distribution phase, the cash flows generated can gradually contribute to financing future calls. This overlap between the investment and distribution phases helps to stabilize cash flows 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 gross or net of income tax. The modeling incorporates capital calls, cash flow troughs, and estimates of future cash flows.

Taxation: gains realized are subject to the applicable capital gains tax regime.

The advantages for investors

  • ‍A retirement-focused approach: starting with a target income to determine the path.
  • A tailored long-term investment strategy: gradual investments, diversification across multiple vintages, and an institutional approach.
  • Greater clarity regarding future cash flows: projections can be made in gross or net of income tax, depending on the assumptions used.

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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Use case summary
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Our use cases

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
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
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
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
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
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
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
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 - 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
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 income – IR
Horizon
10 to 20 years
Target
Establishing intergenerational transfer mechanisms
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
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

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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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Private investors who have already invested in Altaroc who have a minimum investment capacity of €100,000.
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Individual investors with an investment capacity of less than €100,000.
Individual investors with an investment capacity of less than €250,000.
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Pension funds, retirement funds, asset management firms, and single-family offices.
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