Master of Science in Wealth Management & Real Estate Markets

The objective is to acquire key skills in terms of budget management and reporting. Emphasis will be placed on the budget architecture, with the implementation of summary documents, project management control and its link to budget management, implementation and steering of dashboards.

This module aims to learn how to create a Business Plan or business plan: costed project design for business creation or development. Several steps are addressed: feasibility study, market targeting, opportunities and risks, strengths and weaknesses, communication, financing plan and profitability.

Perfect comprehension and communication techniques in the English language in a context broader than the field of commercial English.

This module aims to deepen the students’ computer skills to meet the demand of companies in terms of budget or commercial monitoring, project management, personnel management and communication: Excel, Word, PowerPoint, team work tools, business software. It aims to be efficient with office tools, quickly identify and correct errors, customize existing tools or create your own tools.

• The business game is conducted using a management simulator.
• Groups of students have the responsibility to manage a company in real time.
• All the major functions of the company are addressed.
• Students will make decisions with the aim of maximizing the company’s profitability.

This module allows learners to improve their CV and posture through, in particular, simulations (professional simulation, speaking, etc.); practical and professionalizing workshops (CV, professional social networks, coaching, etc.) as well as professional and master class conferences.

• Optimize the client’s interests while maintaining a balanced relationship with stakeholders (banks, insurers, investors).
• Acquire skills in communication, persuasion and conflict management.
• Rigorous preparation, active listening and adaptability are essential to achieve win-win agreements.

This module delivered in a hybrid way will provide an understanding of the role of the Financial Markets Authority in the regulation and supervision of financial markets, through the following topics :

• Financial instruments, cryptoassets and risks.
• Collective management.
• Functioning of the market organization.
• Post-market and market infrastructures.
• Issues and transactions in securities and finally the accounting and financial bases.

• Understand all the financial solutions made available to clients, private individuals and professionals.
• Know the banking products (accounts, credits, investments, means of payment) and insurance products (life insurance, provident, retirement savings, non-life insurance), taking into account taxation, regulations and strategies.

• Know the different investment and financing solutions related to real estate.
• Understand direct investment (residential, rental, commercial), collective vehicles (SCPI, OPCI, SIIC) and tax exemption schemes (Pinel, Malraux, LMNP).
• The financing is based on adapted real estate loans (depreciable, ultimately, mortgage).
• Understanding these products makes it possible to optimize asset management based on performance, tax and transmission objectives.

• Master the contractual, legal and tax framework for life insurance underwriting, management acts during the contract, life insurance in matters of succession after a death.
• Know the beneficiary clauses. Convince of the interest of the life insurance contract and learn to market it.

• The fundamentals: the tax system and capital gains.
• Taxation of fixed income investments, taxation of dividends, the IFU, regular stock exchange operations.
• The taxation of shares, SCPIs, SICAVs and FCPs, warrants.
• The taxation of accounts: life insurance, PEA, securities accounts.

• Modern diagnostic tools.
• The necessary reprocessing of information.
• Tools for financial diagnosis: the study of profitability, solvency and financial structure of the company.
• The study of cost-effectiveness.
• Investment policy.
• The financial structure of the company and financial policies.

• Lay the essential foundations of data analysis by introducing the fundamental concepts of data manipulation and algorithms.
• Explore data types and sources, as well as methods for structuring, cleaning and analyzing them.
• Discover tools such as advanced spreadsheets and an introduction to Python.
• This pathway prepares for more advanced levels by developing practical skills and an ethical approach in accordance with the GDPR.

• Concept of value: actualization, capitalization and valuation.
• Sensitivity and duration of a bond.
• Performance measurement models for different financial assets.
• The efficiency of financial markets.
• The market models.

• Understand the creation, operation and dissolution of companies.
• Define the different legal forms (SARL, SAS, SA, SCI) and their implications in terms of responsibility, governance and taxation.
• This legislative framework governs the distribution of powers between partners, directors and shareholders, as well as the rules for the transfer and transformation of companies, in order to structure assets efficiently and optimize asset transmission.

• Address investment instruments that optimize wealth management.
• Know interest rate products (bonds, money market funds), equity products (live shares, UCITS, ETFs) and structured and derivative products (options, warrants).
• Management solutions (free, managed, mandated) and tax envelopes (PEA, life insurance, securities accounts) play a key role.
• Diversification and adequacy to the risk profile are essential to maximize return while controlling volatility.

• Introduction to Bloomberg.
• Simulating financial and wealth transactions and making recommendations.

• Understand and master the principles of actualization and capitalization.
• Calculation of interest.
• Comparison of financial flows over time.
• Calculation of the main profitability indicators in an investment project.

Choose the legal structure best suited to the entrepreneur’s goals (business development, protection or transfer of industrial and commercial assets, etc.). Discover new types of companies (SAS, SASU, SELA) or sole proprietorships.

This course covers the fundamental principles of inheritance law, the mechanisms of donation and wills. It presents the technical and legal aspects of asset transfer, as well as the rules concerning heirs (descendants, ascendants, surviving spouse).

This course explores the legal impacts of matrimonial regimes on asset management, addressing notably the implications of marital choices, effects on inheritance, and personal taxation. It also analyzes the connection between inheritance law and civil estate settlement.

Discover the key players in the real estate value chain. Master the fundamentals of land law, real estate law, and property law (full ownership, co-ownership, etc.).

• Master the basics of tax calculation (taxable individuals, territorial rules, tax household, family quotient, net categorical income).
• Calculate the total gross income, deductible expenses, applicable income allowances, and tax reductions.
• Understand the taxation of investments, assets, and asset transfers.
• Master the calculation of income tax and the Real Estate Wealth Tax; taxation of rental income and investment income; inheritance tax.
• Understand the main tax loopholes and their benefits.

• Apply financial mathematics tools in financial decision-making and investment decision-making.
• Simulate financial operations (investment, savings, loans, investment) and asset management (capitalization, borrowing, retirement), using software such as Big Expert.
• Formulate recommendations based on simulation results.

• Presentation of the general and supplementary pension systems.
• How to anticipate an individual retirement.
• How employers can plan for their employees’ retirement.
• Overview of the Pacte law and its impact on retirement.
• Discussion of the proposed pension reform.
• Insurance solutions: funded retirement plans.

• Conduct an asset discovery interview.
• Prepare an asset study.
• Hold a meeting to present recommendations.
• Answer questions and objections.
• Master attitudes and behaviors during meetings.
• Build a quality relationship with the client.
• Simulate the interview and asset diagnosis.
• Analyze the assets and holding constraints.
• Establish the client’s risk profile.
• Implement an asset strategy.
• Educate and inform the client.

• Understand the real estate value chain and its challenges.
• Estimate the value of a property using real estate appraisal methods.
• Know the taxation and real estate tax benefits.
• Use tax optimization mechanisms (VAT, Wealth Tax) in asset structuring.

• Understand the organization of equity markets, money markets, and bond markets, from order placement to post-trade operations (delivery, clearing), including negotiation and order execution.
• Acquire techniques for valuation and risk management of the main financial securities (stocks and bonds).

• Explore the fundamental principles of international taxation applied to wealth management, covering concepts such as tax residency, tax treaties, and asset optimization.
• Analyze strategies for structuring assets internationally to minimize tax burden while complying with current regulations.
• The implications of automatic information exchanges (CRS, FATCA) and the fight against tax evasion are also examined.

• Master the contractual, legal, and tax framework (rules, capitalization, contractual clauses, fees and benefits, liquidity, Wealth Tax, tax residency, inheritance rights, legal framework, taxation of full surrender and partial withdrawal, etc.) of the life insurance contract.

• Understand wealth engineering through the use of various legal, tax, financial, and asset management concepts.
• Study the capital gains from business transfer through donation or sale.
• Raise awareness of the business owner’s issues: the use of holding companies or civil companies.

• Business owner’s approach to wealth management.
• Business transfer techniques.
• Financial analysis.
• Shareholders’ current accounts.
• Optimization of the compensation system for company executives.
• Wealth engineering for professional real estate.
• Owner Buy-Out (OBO) transactions.

• Use the principles of modern portfolio theory in portfolio construction.
• Develop and manage a simulated portfolio within a discretionary management framework.
• Apply risk diversification principles using alternative investments (real estate, commodities, private equity funds).
• Learn the common-sense rules and portfolio management methods of major asset managers.
• Understand the main types of management: active vs. passive management, value vs. growth management, market management.
• Discover the environment and key players in collective investment management.
• Use collective investment products (UCITS, etc.) to build a portfolio tailored to the client’s risk profile.

• Deepen advanced data analysis using Python and harness the potential of Generative Artificial Intelligence (GenAI).
• Learn how AI techniques can enhance data interpretation and communication through prompt engineering.
• Apply data processing strategies to real-world cases.
• Develop critical thinking skills essential for progressing in the data field.

• Creating and retaining a client base through a personalized offer tailored to clients’ financial needs.
• Motivating and engaging advisors by fostering cohesion, skill development, and achievement of common goals.
• Combining product knowledge, active listening, and thorough client follow-up.
• Enhancing overall team performance through the synergy of leadership and expertise.

• Master the technical knowledge required in the financial profession (financial instruments and risk, asset management on behalf of third parties, market functioning and organization, securities issuance and operations).
• Practice and pass the certification exam.

• Enable learners to understand the expectations of the applied research thesis.
• Formulate a research question, build a literature review, choose the study methodology, and make recommendations.
• Develop an applied research thesis including a literature review, qualitative and/or quantitative study, and recommendations.

• This module enables learners to improve their CV and professional demeanor through practical exercises such as business games, professional simulations, and public speaking.
• It includes practical and career-focused workshops (CV writing, professional social networks, coaching, etc.) as well as industry conferences and masterclasses.

• Written exams
• Thesis defense