gestion patrimoniale
En route vers une bonne gestion des actifs financiers et immobiliers

En route vers une bonne gestion des actifs financiers et immobiliers

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La richesse n’a pas la même signification pour tout le monde. Quel que soit votre objectif, les conseils d’un expert en gestion de patrimoine peuvent vous aider à le réaliser. Pour maximiser vos revenus et vos rendements, il est important de connaître toutes les opportunités et les risques liés à vos engagements.

Qu’est-ce que la gestion de patrimoine ?

La gestion de patrimoine est un service basé sur vos besoins, où les conseils sont adaptés à votre situation actuelle et à vos aspirations futures. Vous pouvez opter pour un conseil financier permanent ou pour un service ponctuel afin de revoir votre plan financier actuel dans ce climat économique volatile et difficile. Vous devez donc faire appel à une société de gestion de patrimoine expérimentée.

Comment la gestion des actifs peut-elle vous aider ?

La valeur des investissements et les revenus qu’ils génèrent peuvent varier à la hausse ou à la baisse et ne sont pas garantis. Il se peut que vous ne récupériez pas le montant que vous avez initialement investi. Toutefois, avec les bons conseils et une bonne connaissance des risques, vous maximisez vos chances d’obtenir un excellent retour sur investissement.

Comment construire votre patrimoine

Faites en sorte que votre argent travaille aussi dur que vous. Investir votre épargne peut être un moyen de gagner un revenu à long terme. Les recherches montrent qu’avec les bons conseils, vous pouvez augmenter votre patrimoine de 47 000 £ (environ 54 000 €) en l’espace d’une décennie1.

L’important, bien sûr, est de trouver la meilleure façon d’y parvenir, avec un niveau de risque qui vous convient. Vos investissements seront gérés par un gestionnaire de fonds expérimenté. Il ou elle répartira votre argent dans un portefeuille diversifié comprenant des produits tels que des ISA, des comptes d’investissement généraux, des obligations et des SIPP.

Prévoir sa retraite

Il n’est jamais trop tôt pour commencer à penser à la retraite. 44 % des retraités comptent sur la pension d’État comme principale source de revenus. Une planification intelligente peut vous aider à profiter de cette étape de votre vie.

Votre conseiller en patrimoine vous aidera à créer un plan de retraite adapté à vos besoins afin que vous puissiez atteindre vos objectifs de retraite. Même si les choses changent dans votre vie, votre conseiller en patrimoine peut adapter votre plan pour s’assurer qu’il reste sur la bonne voie.

Comment aider à payer les droits de succession.

En planifiant à l’avance, vous pouvez faire en sorte que vos proches bénéficient au maximum de votre testament. Votre conseiller peut alors vous aider à trouver des moyens de réduire les droits de succession et de transmettre une plus grande partie de votre patrimoine à vos personnes à charge ou à vos bénéficiaires.

Le traitement fiscal dépendra des circonstances individuelles et peut changer à l’avenir.

Comment se protéger et protéger sa famille ?

Si vous avez mis en place une protection adéquate pour vous-même et les personnes à votre charge, vous pouvez avoir l’esprit tranquille en cas d’imprévu.

Un gestionnaire de patrimoine peut donc vous conseiller sur les polices susceptibles de vous protéger, vous et votre famille, telles que la protection des revenus, l’assurance-vie et l’assurance contre les maladies graves.

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