To prepare for old age, to make ends meet, to increase capital, it is important to think over investment strategies. Today, many French people rely on regulated booklets and a life insurance contract for this..
However, their yields are quite low. The current record inflation is not helping matters. Luckily, there are much better products out there that can yield up to 4% per year. This is especially true for SCPI or real estate investment companies. The way to save is pretty easy and rewards numerous benefits.
Operating mode and different types of SCPI
SCPIs are categorized as investments in paper stone. The real estate market is the main pillar. Its principle is quite easy to learn, especially for individuals and professionals who understand the functioning of financial markets. A real estate investment company can be thought of as an investment fund using government savings.e. Interested parties (individual or legal) can invest and receive shares in this company in return.
Managers accredited AMF (Management of Financial Markets), then are responsible for the collection of shares, most of which will be used to purchase buildings of all kinds, whether goods for professional and commercial use or homes. Thus, dividends are drawn from the earned rent in proportion to the number of shares held. There are three main types of SCPI:
- SCPI yield are the most popular on the market. Here, the assets in operation are mostly tertiary buildings that serve as offices or retail space for companies in various sectors.
- Tax SCPI rather based on the principle of niches, like Pinel’s law, Malraux, Historical monuments.
- SCPI capital gains to acquire shares upon dismemberment and thereby contribute to the receipt of a profit from the resale.
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Why turn to investing in SCPI?
Currently, SCPI is indeed becoming the investment product of choice for many French people.. It must be said that this increasingly popular method of investing can offer several benefits.
First, it’s very affordable. According to suppliers, share price can sometimes be worth only a few hundred euros. Thus, both with 1000€ and with millions of euros, it is quite possible to hope for positive spin-offs.
Besides, the average rate of return now hovers around 4.6% a year.. This may change from one fiscal year to the next, but it is a percentage that has remained stable for several years, even in the midst of the coronavirus crisis. Also, no management fees should be expected since the contributors do not actually own the specific physical building.
You must know what is currently many management companies offer shares to investors. You can contact them directly to take advantage of this. However, comparing different offers or seeking professional help is more than recommended.
Contact an SCPI Expert
In addition, you cancontact your banking advisor, who may have interesting offers. In addition, the purchase of SCPI shares can be financed with a mortgage loan or cash, depending on the capacity and strategy adopted by the investor.
Finally, SCPI shares can also be included as a unit of account in a life insurance contract. This increases the productivity of the latter, but the choice of the management company is very limited.