Introduction
In a constantly evolving economic context, preparing for retirement and building solid savings become major challenges, especially for liberal professions and self-employed workers. How to determine the amount needed to live peacefully after an active life? What savings mechanisms are suitable for your situation? At Cabinet Thiéblemont AXA, we are committed to supporting each client, throughout France, with professionalism and responsibility, to protect your financial future while promoting the sustainability and durability of your wealth.
Why anticipate retirement today?
Retirement marks a turning point: reduced income, new aspirations, need for security for oneself and loved ones. According to INSEE, the median income of retirees is €1,760 per month, but it varies greatly depending on career and professional status. For liberal professions, the basic and supplementary retirement may be lower than that of employees, exposing them to a notable resource gap. Anticipating is therefore essential, not only to maintain your quality of life but also to pass on sustainable wealth to your loved ones. Preparing early gives you the freedom to choose and act.
Determine how much savings do you need for retirement
The question "how much savings do you need?" does not have a universal answer, but it must be approached with rigor and method. The goal is to compensate for the difference between your work income and your future pensions, taking into account your projects, obligations, and priorities. A common rule is to aim for a replacement rate of 70 to 80% of your last net income, a figure recommended by many experts and relayed by the Retirement Orientation Council. For example, if your monthly net income is €4,000, it may be wise to plan for an income supplement of €2,800 to €3,200 per month during retirement, to be adjusted according to your specific needs.
Retirement savings solutions suitable for liberal professions
The range of retirement savings devices is broad and can be complex. For liberal professions, there are specific and tax-advantageous solutions, such as the Individual Retirement Savings Plan (PER), AGIPI life insurance contracts AGIPI or euro-growth funds. The choice of these devices depends on your situation, wealth objectives, and investment horizon. Our support consists of analyzing your needs and guiding you in selecting the best solutions to optimize your capital while benefiting from suitable tax and inheritance advantages.
Additionally, it is possible to strengthen your protection by opting for an appropriate insurance coverage, such as AGIPI CAP insurance, which secures your income in case of unforeseen events and guarantees your loved ones financial continuity.
Integrating responsibility and sustainability into your wealth strategy
Anticipating retirement also means adopting a responsible approach towards oneself, one's family, and society. At Cabinet Thiéblemont AXA, we are committed to integrating a societal and environmental dimension into each of our recommendations. This is reflected in a choice of sustainable investments, the selection of environmentally friendly supports, and consideration of ESG criteria (Environment, Social, Governance). The future is built on foresight and responsibility: preparing for retirement is also contributing to a more sustainable world, for oneself and future generations.
Key steps to successfully prepare for retirement
- Evaluate your personal and professional situation: analyze your income, expenses, wealth, and future needs. A wealth audit helps identify your strengths and areas for improvement.
- Simulate your retirement rights: using tools provided by retirement funds (consult the official Info-Retraite simulator), estimate the amount of your future pensions and identify any gaps.
- Define your objectives: do you want to maintain your standard of living? Finance projects? Transfer wealth? These ambitions guide the choice of savings devices.
- Choose suitable solutions: opt for flexible, evolving, and tax-advantageous retirement savings products, such as the individual PER or life insurance.
- Regularly update your strategy: life evolves, and so do your wealth solutions. Regular support from an expert advisor is essential to adjust your choices.
Support and expertise: the commitment of Cabinet Thiéblemont AXA
From Aquitaine and throughout France, our firm stands out for its expert, human, and responsible support. We listen to the specific challenges of liberal professions, entrepreneurs, and active families, to propose sustainable solutions tailored to each stage of life. Our clients benefit from comprehensive coverage of insurance, savings, retirement, as well as wealth and estate management, with particular attention to the simplicity, clarity, and performance of the solutions offered.
Through our educational approach, we help you understand the mechanisms of retirement savings and anticipate the future with peace of mind. To delve deeper into this topic, also discover our detailed article on how much savings do you need to live a peaceful retirement published on Wispra.
Practical tips to optimize your savings and prepare your future
- Start as soon as possible: the earlier savings are anticipated, the less monthly effort is required thanks to the effect of compound interest. Even with a small regular amount, you can build significant capital over the long term. Check out our savings and retirement solutions to discover devices suited to your profile.
- Diversify your investments: combine different types of supports (euro funds, units of account, real estate) to secure and enhance your wealth.
- Take advantage of tax benefits: some products like the PER or life insurance offer advantageous taxation both at accumulation and transfer stages. Learn about the advantages of the individual PER to optimize your taxation.
- Secure your family: insurance remains an essential pillar to protect your loved ones against life's uncertainties. Discover our insurance offer for liberal professions.
- Conduct regular reviews with your advisor: legislation evolves, as do your needs. An annual follow-up allows you to adapt your strategy and take advantage of new market opportunities.
Retirement, a step to prepare with confidence and responsibility
Preparing for retirement is not just about accumulating capital; it is about building a life project where serenity goes hand in hand with responsibility. At Cabinet Thiéblemont AXA, we believe that every journey deserves a careful, educational, and effective support strategy, aligned with your values and ambitions. We invite you to schedule an appointment for a personalized study to build a sustainable and secure future together.
To deepen your reflection, explore our offers on cabinet-thieblemont.fr and consult official resources such as the guide to retirement for liberal professions or the advice from the Ministry of Economy on retirement preparation.
Consider each stage of your professional life as an opportunity to prepare for the future and protect what matters most: your family, your business, and your wealth. Choose a committed, expert partner close to you to illuminate your decisions and move confidently towards retirement.