High-level athletes

The post-career countdown

One day, income from sport stops. The real question is not whether, but at what age you will be free. See the cliff, the capital that sets you free, and the path to reach it while you are still earning well.

Your sport

Your age today 26 years old

Estimated end of career 34 years old

Net annual income today 150 000 € What sport nets you per year, right now.

What you spend to live, per year 70 000 € Housing, daily life, family, pleasures. This is the amount your wealth will have to cover on its own, the day sport stops.

Savings and wealth already built 60 000 € Everything you have already set aside: savings accounts, life insurance (assurance-vie), rental property.

Annual performance of your investments 4,0 % What a well-invested capital returns on average, each year. A prudent assumption, not a promise.

An indicative, educational estimate, based solely on the information entered. We assume that income from sport falls to zero the day you stop: your freedom capital is the sum that lets you live without any salary. A future career after sport would come on top of this, as a safety margin. Annuity calculated on a prudent 3.5% withdrawal rate. Excludes inflation and detailed taxation. Does not constitute personalised advice or a recommendation on financial instruments. Le Chêne Patrimonial acts as an insurance broker and real estate intermediary.

Your freedom capital

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The sum that, well invested, lets you live without depending on a salary.

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Your income today

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If sport stopped tomorrow

What you need to live : the golden line.

What your wealth pays you today, if sport stops : the blue bar.

Already on the way to your freedom—

What your current savings will become by the end of your career, without a single euro more.

What you need to live—

Your estimated freedom date—

To set aside each month until the end of your career—

What you can set aside today—

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How this result is calculated

We assume that income from sport falls to zero at the end of your career. Your freedom capital is therefore the sum that, alone, lets you live.
Freedom capital = what you spend to live each year, divided by a prudent withdrawal rate of 3.5%/year (sustainable annuity rule).
The annuity shown in the cliff is what 3.5% of your current wealth would pay, starting today.
The progress bar and freedom date assume your target return, compounded monthly. Excludes inflation and detailed taxation.

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Why this countdown changes everything

A high-level athlete's career is short and intense. Income arrives early, strong, then stops, often before age 35. That is what the cliff shows: the day sport stops, if nothing has been prepared, your standard of living collapses.

Your freedom capital is the sum that, well invested, generates enough income to let you live without depending on a salary. Building it during the years you earn well turns a brilliant career into lasting security. This is exactly the work I do with the athletes I support.

Start together

Your post-career life is prepared now.

This countdown sets the frame. Together, we turn it into a concrete strategy: wrappers, allocation, protection. A first 30-minute conversation, with no obligation.

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