Prepare for retirement,
starting today.
Plan for the future by gradually building personal savings, through a straightforward and accessible solution.
Discover the solutionover 10 years
- Total paid in:
- €12,000
- Estimated potential gains:
- €3,951
Results are provided for guidance, based on non-guaranteed assumptions, and do not constitute a promise of returns or a personalised recommendation.
Preparing for retirement today
raises new questions
In a pay-as-you-go pension system, contributions from today's workers fund the pensions of current retirees.
This collective model provides a foundation for retirement income.
Alongside it, some people also build additional personal savings to plan for their future with greater clarity.
Altivalis supports this approach
through a long-term
capitalisation strategy.
A complementary approach
based on CAPITALISATION
Capitalisation means investing
gradually over time to build
personal savings to support
your future plans, particularly
your retirement.
This approach allows you to:
- invest at your own pace,
- track how your savings change over
time, - explore different scenarios according to your
objectives and investment horizon.
As with any investment, this strategy carries risks,
including the risk of capital loss, and requires a long-term perspective.
An accessible solution
to get started with confidence
- No entry fees on the
current offer* - A guided and
simplified setup
*Conditions and details available on request.
All investments carry risks, including
the risk of capital loss.
Two complementary approaches to retirement
Pay-as-you-go (PAYG) funds current pensions through workers' contributions. Capitalisation offers a different approach: gradually building personal savings to plan for the future.
PAYG or capitalisation: what's the difference?
PAYG
- Based on solidarity between generations
- Pension determined by the scheme's current rules
- A shared public pension system
- Little direct exposure to financial markets
- Future reforms can affect how predictable your pension is
- Income paid as a pension
Capitalisation
- Gradual build-up of personal savings
- Value depends on contributions and financial markets
- An individual approach to building wealth
- Exposure to market fluctuations
- The value of the investment may vary up or down
- Savings may be passed on or paid out as a lump sum, depending on the scheme
These approaches can complement each other as part of an overall retirement planning strategy.
A structured and regulated framework
The solutions offered by Altivalis rely on a regulatory framework and asset custody mechanisms designed to meet high standards of oversight and transparency.
Investments remain subject to the risks inherent in financial markets, including the risk of capital loss.