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Young professionals

Start early,
even with a little.

Between 25 and 35, time is on your side. A few hundred euros a month, invested according to your horizon, is enough to get started.

The snowball effect in numbers.

Concrete demonstration on €200/month invested at 6%/yr average return.

Start age
Capital at 65
Gap
Start at 25
≈ €400,000
baseline
Start at 35
≈ €200,000
- €200,000
Start at 45
≈ €92,000
- €308,000

Why waiting costs so much

Compound interest is exponential. Each year gained at 25 weighs as much as 4 years gained at 50. That's why a modest young professional who starts early ends up richer than a senior executive who starts too late.

The 3 openings to do right now.

None are complicated. All will earn you thousands later.

1

Open a PEA

The 5-year timer starts at opening, not contributions. Each day of delay pushes back the tax exemption.

  • Open with €0 contribution
  • After 5 years: 0% income tax on gains
  • World ETF at 0.2% fees
2

Subscribe to life insurance

Same: the 8-year timer for soft taxation starts at contract opening.

  • Open from €50/month
  • Euro funds + UC mix adapted to young profile
  • Open-architecture = low fees
3

Prepare your first purchase

Borrowing capacity, file structuring, rental investment strategy: Véloci structures your project.

  • Borrowing capacity simulation
  • Down payment via PEL or AV
  • Nancy rental: 5-7% gross yield

Free review, no minimum budget.

Starting early with €200/month makes all the difference. No need to wait until you have "lots of money".

Book my review