Investment Analyst Job Description : Detailed Review

Result for Guillaume: who wants to create a full income?

Guillaume’s investments should now earn him 1,300 euros a year, relying on a long-term average smoothed yield of 5% for his share pocket (conservative estimate). That’s double its gains before optimization! These gains will be re-invested each year and will mechanically increase the income of the capital of Guillaume, who can count in 20 years on more than 500 € per month.

Opinion of Nicolas: later, when he will need to live on his additional income, Guillaume will be able to get out of life insurance and PEA in annuity. And without paying income tax on earnings withdrawn after 8 years of life insurance and 5 years of PEA! These are also great envelopes to prepare well for retirement. Note that we can make withdrawals at any time on life insurance, ditto on the PEA over 8 years without breaking the PEA.

Investment Analyst Job Description: Tips and Advices

Marc is boosting his wealth to finance his long-term projects (children’s studies and retirement).

Marc is 41, a couple, father of 2 children (7 and 9 years) and receives a salary of 5,000 euros per month. He already owns his apartment and has a savings of 250,000 euros. His profile is not very different from that of Guillaume. Marc simply has more investment capacity and with 11 years more, he has naturally been able to develop a larger heritage.

Marc’s current investments: life insurance with too much expense.

For a long time, Marc relied exclusively on savings solutions offered by his bank to invest his money. On closer inspection, Marc realized that the performance of his euro fund was far from that of the best. Also, his bank levies fees on payment of which he could not negotiate free of charge despite the significant amounts he holds in the institution.

Investment Analyst Job Description: Information

In making an assessment of his wealth situation and his objectives, Marc realized that his lack of strategy and products loaded too much in costs have already cost him several thousand euros of loss of earnings (“opportunity cost”). Marc has already completed his youth project (purchase of his principal residence) and now has a long-term investment horizon to realize his future projects (children’s studies in 10 years and retirement in 20 years). As a result, he can invest a portion of his savings in higher-paying investments that have long-term benefits: the stock market and real estate.

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