Personal wealth and retirement · Practical guidance
Supplementary income: what to ask before choosing an investment
A supplementary income project begins with a need to fund. Before comparing products, specify when this income will be useful and how flexible you want to keep it.
Martins Patrimoine · Updated on
1. Describe the need rather than target a rate
Is it about completing a pension, reducing your activity or financing a project for a few years? Note the start date, the expected duration and the share of your expenses involved.
- The need I want to fund
- Start date and proposed duration
- The margin I want to keep for unforeseen events
2. Distinguish investment income from withdrawals of capital
To receive a regular sum is not enough to know whether the capital is preserved. Ask what part of the investment income comes from and what part of the sale or withdrawal of assets corresponds to. Please specify the costs and consequences to be examined in your situation.
- Origin of payments
- Conditions of withdrawal and costs
- The capital I wish to retain or transmit
3. Check availability and risk
The AMF invites each objective to be brought closer to its horizon and to the acceptable risk. A necessary sum soon does not meet the same constraints as capital that can be mobilised much later. Diversification must be read at the scale of your wealth.
- The money I may need quickly
- The declines or interruptions I can endure
- Other income and assets already available
4. Preparing for the first exchange
Bring your questions and an order of magnitude of need. The first exchange with Gary serves to identify what deserves to be deepened; this checklist does not calculate any guaranteed income or allowance adapted to your situation.
Sources and scope
This sheet helps to prepare a discussion. It is neither an analysis of your situation nor a recommendation for investment.