«"Alexis, the financial markets are too volatile and real estate is becoming complex. How can I make my savings worthwhile while seeking higher returns?"»
This question often marks the turning point of a investment strategy successful. Long reserved for institutional investors and to the great fortunes, the private equity (Or private equity) is now open to informed individuals. At Balmont Conseil, We consider this asset to be the ultimate performance driver for a diversified portfolio.
As specialists in wealth engineering, our mission is to open the doors of this closed market to you, by selecting the most resilient funds to transform your savings into a growth lever for the SMEs and mid-sized companies of tomorrow.
What is Private Equity and how does it fit into wealth management?
Advantages and risks A clear-sighted analysis
L''unlisted investment promises attractive returns, but it requires a nuanced understanding of the risk/return trade-off.
The advantages of Private Equity
- Superior historical performance: Over the past 15 years, private equity has consistently outperformed stock market indices (CAC 40, S&P 500) with Internal Rate of Return (IRR) often in two figures.
- Active management: Fund managers are not mere spectators; they sit on the board of directors and drive the company's strategy.
- Access to sectors of the future: Health, cybersecurity, energy transition And eco-responsibility.
The risks of Private Equity
- Illiquidity: This is the key point. Your money is locked in for a period of 7 to 10 years. You can't withdraw your funds with a single click like from a savings account.
- The risk of capital loss: As with any investment in a company, the failure of a stake can impact the value of the fund.
- The absence of immediate return: The first gains often only come after several years (J-shaped curve).
Access conditions and taxation: The French framework
Thanks to the evolution of the AMF regulations, The barriers at the entrance are lowered.
The different strategies of Private Equity
Private equity is not a monolithic entity. Depending on the company's stage of development and your return objectives, we select the strategy best suited to your risk profile.
Who is Private Equity for?
Navigate the international tax regulations requires constant vigilance, as administrations are increasingly collaborating through the automatic exchange of information.
The Private Wealth Owner
For those who have already maxed out their traditional investment vehicles (assurance-vie in euro funds, PEA).
- Objective : Decouple one's assets from volatile stock markets.
- Advantage : Gaining access to future-oriented sectors (healthcare, energy transition, tech) that are often absent from traditional stock market indices.
The Leader and the Entrepreneur
Those who understand the value of the "concrete" business.
- Objective : Reinvesting part of their cash or proceeds from sales in an ecosystem they control.
- Resilience : Unlisted companies are not subject to daily market panics; their value is based on the company's actual growth.
The Long-Term Investor (8-10 year horizon)
Private Equity imposes an "illiquidity premium": your money is tied up while companies are being transformed.
- Protection: It is an effective shield against inflation, because financed companies often have pricing power.
- Patience rewarded: By agreeing not to have immediate access to their funds, the investor aims for returns that are historically higher than those of liquid assets.
Balmont's opinion: Private equity is the ideal complement to real estate. While real estate offers stability and returns, unlisted assets provide the growth potential needed to boost the overall performance of your portfolio.
The essential personalized support of Balmont Conseil
Choosing a private equity fund should never be based on a random brochure. That's where...'expertise in private equity Balmont Conseil intervenes.
Why go through a specialist firm?
- Access to "first-lien funds": The world's best fund managers often close their funds very quickly. Thanks to our networks, we give you access to opportunities closed to the general public.
- Analysis of performance indicators: We decipher it for you Multiple on Invested Capital (MOIC), THE SORTING, and the Total Value to Pay In (TVPI) to compare the actual performance of the managers.
- Risk management: We are building a diversified portfolio (geographies, sectors, vintages) to smooth out economic cycles.
- Sectoral Approach: We guide you towards the topics of tomorrow: health, AI, energy transition Or SME financing strategic.
FAQ Everything you need to know about Private Equity
The Real Economy, the New Frontier of Your Wealth
THE private equity is no longer an option for anyone who wants to build a investment strategy Robust and efficient. It's a return to the roots of finance: investing in the talent of entrepreneurs to reap the rewards of growth.
At the house of Balmont Conseil, We combine technological innovation with on-the-ground human expertise to offer you a personalized support in this exciting world. Stop being a victim of the financial markets, become a player in the economy of tomorrow.
Your wealth deserves boundless ambition.
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.
Sources & References:
- France Invest annual reports on private equity.
- AMF statistics on individual access to unlisted securities.
- Performance analyses of AFIC (French Association of Investors for Growth).
- Performance indicators (IRR/MOIC) of leading European managers.
- ESG standards and eco-responsible reporting in unlisted companies.
