Caravel offers a pension planning platform that provides a Plan Épargne Retraite (PER) and life insurance products, focusing on ethical investments in sustainable companies. The platform addresses the challenge of declining retirement income for French citizens by enabling them to build additional savings through low-cost, diversified portfolios while benefiting from tax deductions.
Funding
$1.6M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many French citizens face the prospect of declining retirement income due to an opaque and unequal pension system. Traditional retirement plans may not adequately address individual financial goals or align with ethical investment preferences.
Solution
Caravel provides a pension planning platform offering Plan Épargne Retraite (PER) and life insurance products designed to help individuals maximize their retirement savings. The platform focuses on ethical investments in sustainable companies, allowing users to build diversified, low-cost portfolios that align with their values. Caravel's solutions offer tax advantages and are managed by experts who create and manage portfolios of sustainable funds. The platform aims to simplify retirement planning and make it more accessible, enabling users to take control of their financial future while supporting the energy transition.
Target Audience
Caravel targets French residents, including salaried employees and independent workers, aged 18-67, who are seeking to improve their retirement prospects through ethical and sustainable investment options.
Features
- Plan Épargne Retraite (PER) with a focus on long-term performance
- Assurance-vie (coming soon) with flexible and responsible investment options
- Ethical investment approach, excluding fossil fuels and prioritizing companies engaged in ecological transition
- Diversified, low-cost portfolios managed by financial experts
- Tax deduction benefits on PER contributions
- Portfolios that evolve with the user's age, career, and market conditions
- Online dashboard to track investments and simulate retirement income
- Educational resources to understand retirement planning