A few years before the end of his professional life, it is good to start to put his house in order. At the end of several decades of all-round investments intended to meet different needs (purchase of their main residence, reduction of their taxation, financing of children's studies, protection of their family), the needs are less numerous. But a priority is beginning to emerge, namely to prepare investments which will generate - at the time of retirement - regular income and, preferably, little or no tax.
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"At this age of life, we have a good vision of our future retirement pension, of the shortfall and therefore of the need for additional income , " explains Jean-François Lucq, director of wealth engineering at Banque Richelieu. Before starting to dip into your savings, "the ideal would be to hold a distributed heritage at 35% in real estate, 35% in financial assets and the balance in liquid savings products"
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