IS IT A RISK TO RETIRE?

Now is the time to chat with your advisor to manage the risk of your portfolio and avoid income shortages down the line.

▪ Diversification is vital – Ensure that your portfolio is invested in diversified funds to mitigate risk. These are funds that consist of different economic regions (e.g. America, Europe, and Asia), different asset classes (equities, bonds, and cash), and different sectors (e.g. financial, energy, technology, infrastructure) etc.

▪ It is a frequent practice to lower one’s risk profile the closer you get to retirement age. This is to protect your accumulated wealth and prevent it from losing value.

▪ A significant risk is rising inflation and cost of living – This can eat away at your retirement savings. Ensure your money is earning inflationbeating returns to help cover this loss.

▪ A rainy-day fund is essential to cover unforeseen costs. Otherwise, any extra medical expenses, major repairs, or income supplements needed will eat away at your retirement capital. It is always good to have separate savings to cover such things or to use if you run short of money instead of your retirement capital. deVere France S.a.r.l. are regulated by ANACOFI-CIF and ORIAS which will only recommend French regulated products. deVere France can advise you on ways to help safeguard and increase your wealth, as well as helping with HMRC-recognised pension transfers to a Qualified Recognised Overseas Pensions scheme (QROPS) to give you potentially more flexibility in your pension plans.

Your advisor will help lower your retirement risk according to your individual financial circumstances and needs.

Please note, the above is for educational purposes only and does not constitute advice. You should always contact your advisor for a personal consultation.

* No liability can be accepted for any actions taken or refrained from being taken as a result of reading the above.

Helen Booth works as a financial adviser for deVere France S.a.r.l and has lived as well as owned property in the Deux-Sèvres region. Having worked in the financial services in the UK for over 15 years, Helen prides herself in being fully diploma-qualified for the services that she provides. Helen has lived and worked in France for over 8 years and enjoys being part of deVere France S.a.r.l., a division of one of the world’s leading independent financial consultancies, deVere Group.

With over $10 billion of funds under its advice and administration and with more than 80,000 clients around the world, deVere Group truly offers a myriad of unique products and notes that are not available anywhere else in the market. This, as Helen puts it, gives clients the pick of the crop when it comes to investing.

If you would like to know more about how deVere France can help you, contact

Helen Booth DipPFS , EFA : +33 (0) 77 171 2879 : helen.booth@devere-france.fr

Dénomination sociale: deVere France S.a.r.l, RCS B 528949837, 29 Rue Taitbout, 75009, Paris, France. Gérant: Mr. Jason Trowles. Registre avec ANACOFI-CIF (Association Nationale des Conseils Financiers). Nombre enregistré: E008176, association agréée par l’Autorité des Marchés Financiers. Courtier d’assurances ou de réassurance, Catégorie B, inscrit à l’Organisme pour le Registre des Intermédiaires en Assurance (ORIAS) numéro enregistré 12064640. Garantie Financière et Assurance de Responsabilité Civile Professionnelle conformes aux articles L 541-3 du Code Monétaire et Financier et L 512-6 et 512-7 du Code des Assurances. Registered name: deVere France S.a.r.l, registered company number RCS B 528949837, 29 Rue Taitbout, 75009, Paris, France. Gérant: Mr. Jason Trowles. Registered with ANACOFI-CIF (National Association of Financial Advisers). Registered number: E008176, association approved by the Financial Markets Authority. Insurance and re-insurance brokers, Category B, registered with the Organisation for the Registration of Assurance Intermediaries (ORIAS). Registered number 12064640. Financial and Professional Liability Insurance Guarantee conforms to article L 541-3 of the Monetary and Fiscal Code and L 512-6 and 512-7 of the Assurance Code. 6XKWSX •V1.1/230418