The Capital Acquired at the end of a saving period is given by the following formula: :

**CA** is the **Capital Acquired** after a saving period

**S** is the **saving** invested periodically (generally per month)

**i** is the **interest** rate at which your capital works

**n** is the **number** of saving periods (years, months, etc)

This complex formula can be summed up as follows:

Each one of the parameters is important, therefore redcing one of them (such as the length of you investment) implies, to maintain the same final capital, that other parameters are raised (amount saved, or return)

- The **return** (i) mostly depends on the market environment, this is why selection of investment vehicles is major, this is where we have a value-added.

- The **two other factors** (amount saved & length) depend on the **investor** but the amount invested periodically is limited by his **capacity** to save.

- Therefore, in order to **maximize the capital** acquired when retirement come, it is **extremely important** to start **saving** as early as possible, as showed by the following table:

The above example yielding an annual return of 8% was not chosen randomly, it is one of the funds we have **shortlisted**. This **performance** may seem **extremely high** in regars to the information broadcasted by the media, only reflecting the local French index. However this index (CAC40) represents as little as 2% of the world capitalization, therefore it is obvious we can/should search for **performance** in other economic and geographic areas.

The below graph illustrates how a good flexible **strategy**, **internationally diversified** can go through complex periods:

* ** Indicateur de référence : 50% MSCI All Countries World Index, 50% Citi World Global Bond Index*

The concept of long term periodical saving understood, it can be used in many ways and benefit several tax incentives.

Ask us about the incentives you may benefit from: (French residents only)

- Investment Plan in a Life-Insurance policy

- Madelin

- PERP

- PERCO/PEE

- PEA

- Leveraged real estate investments: LMP, LMNP