The 4 criteria for a successful retirement investment

The 4 criteria for a successful retirement investment

Retirement at 60, 62, 65 or 67? Who says better? While the statutory retirement age is regularly debated, it is ultimately the replacement rates of pensions subject to increasing pressure that raise questions. Preparing your retirement actively is part of the reflexes of a savvy investor. Only one in three assets anticipates retirement. Carefree or afraid to do wrong? As the figures quoted in the preamble demonstrate. However, they do not always feel that they are well guided in their choices so get a supplement plan here Here are five criteria to follow in adjusting your retirement investment strategy.

1. An investment that reduces your taxes:

It is possible to supplement your income at retirement by reducing your taxation. The best way to make money is not to spend it. Different schemes can save for retirement in an attractive tax environment:

•    Popular retirement savings plan;

•    A savings plan for collective retirement;

•    Madelin Contract;

•    Etc.

2. A long-term investment:

Preparing for retirement means investing in the long term. It is advisable to save little but taking it as soon as possible, rather than waiting until the last moment. If life insurance requires an investment horizon of more than eight years to benefit from its advantageous taxation, it is a rental property, also a long-term investment. The collapse of the rates of return of the life insurance contracts is undoubtedly for something. But, beyond that, it’s the security of rental real estate investment that appeals to savers but what to expect from a retirement investment if not tranquility and predictability?

3. An available investment:

Another important criterion is the liquidity of the investment. An investment is said to be liquid when one can quickly and easily recover money set aside. This is important for retirement because it means that when the time comes, you will be able to use (every month, quarter or year) a portion of your savings. Here again, rental real estate figures prominently as it generates a fixed and regular income.

4. An investment with a controlled risk:

The risk profile of an investor is inversely proportional to his age. A young investor may accept a higher risk in return for greater profitability, as long as he has time to smooth the risk over the long run. The situation is quite different for an older investor, who may want to recover his capital in the short term. Think about diversifying your wealth to control its volatility.