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Evaluate how much capital you need to stop working

 

The best is yet to come

 

It’s not a matter of age

 

A matter of preparation

 

The answers you need to know

Starting a new life by retiring before the legal retirement age often means a sudden drop in your income – and a wait of years before you can claim your retirement pension. It is crucial to estimate accurately the amount you will need to live in order so you can build an appropriate strategy.

Note the pension reform planned for the second half of 2019 could include new arrangements for the retirement age.

Estimate your needs before you stop working

What will be your family situation, and the needs of your children or parents, at the time you change your life? Will you own your main residence or will you have to pay rent? What will your new life project require? What will your everyday lifestyle be like? What will be your tax burden? What about debts? Answering all these questions and considering every scenario will allow you to estimate your needs when you start your new life.

Calculate how many years you will need to finance before you receive your pension, and during your retirement

Depending on the age at which you plan to change your life and retire, the lifestyle you need and the level of risk you are willing to take, the savings you need will vary. In fact, the earlier you retire, the more capital you will need to live on because it will have to cover a larger number of years.

What capital do I need to live without working ?

It all depends on whether you intend to consume your capital or generate income from it.

The following simulations do not take into account either taxation or inflation.

How much does it take to get an income of €2.000 per month by consuming your capital?
Your capital invested at For 10 years For 15 years For 20 years For 25 years
2 %
€217.360
€310.796
€395.348
€471.860
3 % €207.124
€289.610
€360.622
€421.752
4 % €197.540
€270.384
€330.044
€378.904
5 % €188.562
€252.910
€303.050
€342.120
6 % €180.146
€237.008
€279.162
€310.414
How much does it take to get an income of €2.000 per month by consuming your capital?
Your capital invested at 2 %
For 10 years €217.360
For 15 years €310.796
For 20 years €395.348
For 25 years €471.860
Your capital invested at 3 %
For 10 years €207.124
For 15 years €289.610
For 20 years €360.622
For 25 years €421.752
Your capital invested at 4 %
For 10 years €197.540
For 15 years €270.384
For 20 years €330.044
For 25 years €378.904
Your capital invested at 5 %
For 10 years €188.562
For 15 years €252.910
For 20 years €303.050
For 25 years €342.120
Your capital invested at 6 %
For 10 years €180.146
For 15 years €237.008
For 20 years €279.162
For 25 years €310.414
How much does it take to generate additional income while keeping your capital?
Your capital invested at For 10 years For 15 years For 20 years For 25 years
2 % €300.000
€600.000
€900.000
€1.200.000
3 % €200.000
€400.000
€600.000
€800.000
4 % €150.000
€300.000
€450.000
€600.000
5 % €120.000
€240.000
€360.000
€480.000
6 % €100.000
€200.000
€300.000
€400.000
How much does it take to generate additional income while keeping your capital?
Your capital invested at 2 %
For 10 years €300.000
For 15 years €600.000
For 20 years €900.000
For 25 years €1.200.000
Your capital invested at 3 %
For 10 years €200.000
For 15 years €400.000
For 20 years €600.000
For 25 years €800.000
Your capital invested at 4 %
For 10 years €150.000
For 15 years €300.000
For 20 years €450.000
For 25 years €600.000
Your capital invested at 5 %
For 10 years €120.000
For 15 years €240.000
For 20 years €360.000
For 25 years €480.000
Your capital invested at 6 %
For 10 years €100.000
For 15 years €200.000
For 20 years €300.000
For 25 years €400.000

How much do I need to save to raise this capital ?

Building the capital you need requires saving for several years. So it makes sense to start as soon as possible.

The sooner you start saving money, the less hard you will have to save to achieve your goal.

To build up a capital of €100.000, with a 3% return, you would need to set aside €717 per month for ten years. Over 20 years you would only need to save €306 per month.

How much do you need to save per month to build up a capital of 100 000€ ?
Your capital invested at For 10 years For 15 years For 20 years For 25 years
2 % €754
€478
€340
€258
3 % €717
€442
€306
€225
4 % €682
€409
€275
€197
5 % €648
€378
€246
€171
6 % €615
€349
€221
€148
7 % €585
€321
€197
€128
8 % €555
€296
€176
€110
How much do you need to save per month to build up a capital of 100 000€ ?
Your capital invested at 2 %
For 10 years €754
For 15 years €478
For 20 years €340
For 25 years €258
Your capital invested at 3 %
For 10 years €717
For 15 years €442
For 20 years €306
For 25 years €225
Your capital invested at 4 %
For 10 years €682
For 15 years €409
For 20 years €275
For 25 years €197
Your capital invested at 5 %
For 10 years €648
For 15 years €378
For 20 years €246
For 25 years €171
Your capital invested at 6 %
For 10 years €615
For 15 years €349
For 20 years €221
For 25 years €148
Your capital invested at 7 %
For 10 years €585
For 15 years €321
For 20 years €197
For 25 years €128
Your capital invested at 8 %
For 10 years €555
For 15 years €296
For 20 years €176
For 25 years €110

These simulations do not take taxation into account. The tax exposure of your investments will differ according to the methods you choose.

All calculations were made using our savings simulator, which allows you to test various possible options.

Contact an adviser now to prepare your plans

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