What is
your project?

Good news: never have investment opportunities been so numerous and varied! Among these, some traditional asset classes continue to perform at their best: shares, bonds, monetary, directly or through funds. On the other hand, other products have entered the market which make it possible to further diversify your investments (real estate, asset funds), to decorrelate the performances of the financial markets (alternative management, structured funds, private equity), to choose themes of the future, or to control the impact of your investments (Socially Responsible Investments, Environmental, Social and Governance criteria).

More specifically, hundreds of management companies now offer thousands of funds. Our role is to select the best managers based on their performance, the consistency of their strategy, and their resilience in volatile markets. We will also keep you informed of market opportunities, and our decisions related to the allocation of portfolios we recommend.

Please note that choosing the method of holding these investments is as strategic as the asset class itself! Whether it's the tax benefit of a share savings plan for individuals or businesses on capital gains, succession advantages and innovative management options for the best life insurance contracts (under French or Luxembourg law), or freedom to invest in a securities account: each envelope has its own advantages. Our choices and recommendations are guided by our knowledge of your situation, your investment criteria and your objectives.

As a business manager, you face many issues. These undoubtedly include structuring your companies, optimising your remuneration and protecting your family. At Alternative Patrimoine, we have the skills, resources and network of partners to answer all your questions. We take an overall approach, based on full knowledge of our clients' situation, which enables us to match your private and professional ambitions for your assets. We therefore consider all situations that could arise that may hinder your success: divorce, sale, family transfer, accidental death, etc.

Everyone now knows that it is necessary to prepare well for retirement. It is therefore a good idea to let us guide you through this process, since many criteria must be taken into account: your current and future professional situation, your family organisation, your current standard of living and the one you want to have in future, your investment horizon, your risk profile, etc.

Based on this detailed analysis, we will determine together the strategy and investment vehicles that suit you best (direct or shared property, new retirement savings provisions under the PACTE Law, life insurance, financial markets, better contract management options, etc.). One thing is certain: the best tools for preparing for your retirement already exist. You just have to pick them early on and be well advised.

Do you want to support companies whose activities correspond to your personal convictions? In that case, a Socially Responsible Investment (SRI) may be an interesting solution.

This consists of taking into account – in addition to the classic financial criteria – a company’s behaviour on the social and environmental level. Clearly, these investments seek to be as efficient as conventional investments, while supporting so-called ‘morally ethical’ approaches. Three main approaches characterise this type of investment:

• Socially responsible or sustainable development funds: they identify the most successful companies from a sustainable development perspective, taking into account financial criteria, but also a broad set of environmental, social and governance (ESG) criteria. Waste management, reduced greenhouse gas emissions, accident prevention and improved social dialogue, as well as internal governance rules: all the company’s operations are scrutinised.

Whatever the reason for selling, we know that it often represents a delicate moment for a business manager. To make matters worse, tax issues are arduous and therefore a tough experience. Whether under a general or derogatory regime (with conditions), we help you to see more clearly, and especially to anticipate the consequences of such a sale. 

The sale of a business can also be an opportunity to re-examine all of your assets. Depending on your situation, certain mechanisms may prove interesting: the Dutreil pact, donation before sale, retirement, a family OBO or an LBO, or a contribution-sale (Article 150-0 B (b) of the General Tax Code) which allows the taxable subject – under certain conditions – to benefit from deferred taxation. 

If you are in the process of selling your business, come and consult us. Thanks to our skills, our resources and our network of partners, we can identify the best placements within the allotted time.