As a rule, in December people are interested in investments that must be made before 31/12 in order to reduce their tax due next year. But signing up in the spring when you just filed your tax return can be interesting, especially since some of the funds sold last December are still open. Thus, the blocking time will be shorter. This is the case, for example, with FCPI Dividendes Plus 9, the 9th opus in the FCPI series, which features the lowest commission and remarkable performance, as well as a 25% investment reduction.
The Tax Gingerbread and Lowering Restrictions
An investment in FCPI, a tax-exempt product, allows its subscriber to benefit fromincome tax reduction equal to 25%* of his investment taken within 12,000 euros for one person and 24,000 euros for a couple, i.e. the maximum potential tax reduction is €3,000 per person and €6,000 for a couple.
In 2020, the Finance Law decided to increase the reduction rate from 18% to 25%. But this decision only applied to subscriptions made before December 31, 2020. Like last year, the government had to pass a new decree extending this system until December 31, 2022. At the same time, France repeat your request to the European Commission. Not surprisingly, the European Commission did not object. The Enactment Decree entered into force on March 18 and provides that the increase in the tax reduction rate from 18% to 25% applies to payments made between March 18 and December 31, 2022.
Behind this tax advantage is the consideration that repayment blocking.
But while FCPI and FIP traditionally have a term of 7 or 8 years or even longer, FCPI Dividendes Plus #9 has a maximum lockout period of 6 years. One of the shortest terms on the market for this type of investment. After all, unlike many funds on the market, the management company does not provide for prolongation.
How can this shorter duration be explained? FCPI mainly invests in SMEs listed on a stock exchange, which therefore offer greater liquidity and facilitate the resale of securities at maturity.
In addition, the annual management fees are simplythe lowest on the market, by 2.50%! During the existence of the fund the management company informs us that these fees are a maximum of 17.4% all inclusive, where market-based FCPIs have fees that hover around 30% on average. In other words, almost double!
What about entry tickets? What are the entrance fees? Passing through Meilleurtaux Placement, your investment in FCPI Dividendes Plus No. 9 will be free. 0%. We can’t do better! Fund performance is also in fees!
Dividends Plus #9: 100% Online Subscription
Faster availability of funds
Another benefit of subscribing now is the time savings compared to subscribing at the end of the year. The average FCPI lockout period is 8 years..
If you wait until the end of 2022 to subscribe, your capital will be locked up for about 8 years, so until 2030. If you look closely, you can find an FCPI with a shorter duration, 2029 or, at best, December 2028.
But right now, you still have access for a few weeks to the funds opened last year. So you win one year compared to a subscription at the end of the year.
This is especially true Dividend Plus #9which was opened for subscription last year, with maximum blocking period 6 years. Thus, the fund will be blocked no later than December 31, 2027. This is a lockdown reduced to 5 and a half years for investments made in 2022.
Subscription to FCPI Dividendes Plus #9 will be permanently closed in a few weeks. It will no longer be available in December 2022 and at that time you will not find funds with a blocking period of up to 5 years.
Subscribe to Dividend Plus #9
Support tri-color innovation
Investing in FCPI Dividendes Plus No. 9 means, above all, supportinggrowth of french nuggets. The invested amounts will be used to finance innovative small and medium-sized enterprises, support their development and thus provide them with all the opportunities for growth.
They are carefully selected, in particular in accordance with criteria of maturity, profitability, development potential and their ability to pay dividends. The decision to pay dividends is evidence of the management’s confidence in the company’s growth prospects.
Innovative industries, medical technologies, digital, etc.the investment volume of the management company is based on sectors that are considered promising.
Among the twelve industrial sectors selected by BPI France and the Ministry of Industry as innovative and strategic at the national level, we can name energy, navy and materials. In this area, FCPI Vatel Capital companies have made a significant contribution to the development companies specializing in plastic injection molding, development of agricultural methanization plants, production of biofuels and handling systems for port infrastructure.
In the healthcare sector, a growing sector undergoing rapid technological change with the development of digital technologies, smart connected tools and telemedicine, FCPI Vatel Capital has made a significant contribution to the development of SMEs in the following sectors: spinal implants, medical imaging, diagnosis and treatment of allergies, innovative methods of treatment in oncology
.Finally, in the digital sector (mobile Internet, cloud computing, connected objects, robotization, etc.), FCPI Vatel Capital has already been involved in the development of SMEs in the following sectors: automatic management of large databases, business software, cloud computing and online performance marketing.
Solid track record
FCPI Dividendes Plus #9 is the 14th FCPI sold by Vatel Capital. And history speaks in favor of the management company:
Of the 10 FCPIs redeemed, 9 showed a positive trend, excluding tax benefits.
In addition, below you will find the FCPI under management as of September 30, 2021 (November 30, 2021 for FCPI Dividendes Plus 5):
We remind you that past results are not a guarantee of future results.
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*In return, your money is blocked for a maximum of six years, i.e. no later than December 31, 2025. Mutual fund in innovation, a category of risky mutual funds, mainly invest in innovative companies presenting specific risks; therefore your investment is not guaranteed and presents a capital loss risk.
**Past results are not a guarantee of future results. You should be aware of the risk factors of this investment fund as described in the Risk and Reward Profile section of the Rules.
Finally, AMF approval does not mean that you automatically benefit from the various tax measures introduced by the management company. This will depend in particular on whether the product complies with certain investment rules, on the length of time you hold it and on your individual situation.