Saving and Financial Planning (Asset Management)

An Asset Planning aims at ensuring obtaining objective assets, whenever we reach retirement, and having them entirely available, in case of a mishap, at any moment during its formalization process.

The herein below graph shows how combining saving instruments - pension plans, investment funds, etc. - and coverage instruments - life and disability insurance, RC, etc. - guarantee from departure -year 0- until the retirement moment, obtaining 100% Objective Assets, covering with risk products, the differential gap between the amount generated by saving and the Objective Assets (updated with the IPC-retail price index- so as not to lose value).

Therefore, in year 0, saving shall be zero and coverage 100, and when retirement moment arrives - we will have achieved our Objective Asset by means of the investment - and no additional coverage shall be necessary or if any, it shall be minimum.

However, since the investors' life and circumstances are far from being static, neither is the process of Asset Planning. For this reason, Acapital professional team has periodical meetings with the client in order to carry out the necessary changes or adjustments to adapt the model to each likely new situation.

The graph displays an Asset Planning potential model: