Publish-editorial — Have you had your first retirement pension estimate and are you not enthusiastic about the result? Are you wondering how you are going to make up for the lack of income when you retire?
Rest assured, AGIRC-ARCO is not the only way to have a supplementary pension. By putting their savings to work intelligently, retirees have found a way to easily generate additional income through investment in SCPIs or Société Civile de Placement Immobilier.
Find out how to imitate these retirees and create a supplementary pension for yourself with SCPIs.
How to increase your retirement pension?
Faced with inflation and its disastrous effects on purchasing power, everyone is affected. But retirees and future retirees cannot work more to increase their income, so they have to find other solutions.
Seniors have a major advantage over working people: their savings. Indeed, the average wealth of seniors is much greater than that of working people. They have often been able to amass professional savings, sometimes inheritances or real estate sales, and have generally paid off their principal residence.
Rather than letting their money sleep on obsolete and poorly remunerated investments such as bank books or euro life insurance funds, seniors can use their savings on a support that provides real additional income such as the SCPI investment.
The example of Louise, a 62-year-old retiree: After unlocking her pension, Louise decided to take stock of her savings to find enough to supplement her drop in income. While doing her accounts, she realized that her bank life insurance contract of EUR 50,000 had brought her an average of 1.5% per year for 5 years… She therefore decided to invest all of the sum on SCPIs which today bring him 6% net!
“My 50,000EUR in SCPI now bring me around 250 EUR per month at the rate of return of 6%. These 3000 EUR per year allow me to make an organized trip each year without having the impression of paying a penny! I wait to release a few sums from my old company savings plan to complete this SCPI investment and increase my additional income “says Louise.
Why is the SCPI placement unanimous among seniors?
The SCPI investment meets with real support from seniors as confirmed by the figures of The Central SCPIthe benchmark information site on the SCPI market (www.centraledesscpi.com), since requests for information from seniors have jumped 40% over the past year among these professionals.
The reason is simple, the SCPI investment allows you to invest in real estate without any management and to collect rents directly from your bank account. Unlike the management of a rental apartment which can quickly become very restrictive for a senior, the SCPI brings real peace of mind.
“With my SCPIs I have nothing to do except declare the income to taxes once a year. And again, it’s much simpler than with my old rental apartments since Laurent Fages, my The Central SCPI, accompanies me every year. And with a return of 6%, my SCPIs even earn me more than my old properties,” explains Bernard.
This sexagenarian has indeed sold several apartments which were too far from his home and which he was tired of managing. The recent evolutions which force the owners to carry out important energy renovation works were the click which convinced Bernard to replace on SCPI.
How to create a supplementary pension with the SCPI investment?
To create your own supplementary pension with SCPIs, it is possible to do like the thousands of seniors who call on the services of The Central SCPIreachable at 01.44.56.00.23.
Unlike banks and their advice often from another time, these SCPI professionals regularly update their recommendations. On their website www.centraledesscpi.com, it is possible to find many SCPI opinions, an SCPI classification but also SCPI simulation tools.
“We supported more than 2,500 seniors last year in their first investment in SCPI. We make it a point of honor to explain everything with pedagogy and to create real customer contact over time. We have advisers who have been following for 10 same customers” explains Charles Collot, manager of the seniors division of The Central SCPI (www.centraledesscpi.com).
At the age of 60, it is still possible to create a quality supplementary pension. Faced with inflation that is eating away at the purchasing power of their savings, seniors must make the right decisions for their money. Arbitrating a life insurance contract in euro funds or selling an old rental studio to invest in an SCPI which yields up to 6% is the smartest decision to create your own supplementary pension.
Warning : investment in an SCPI is not guaranteed, both from the point of view of the dividends received and that of the preservation of capital. SCPIs depend on fluctuations in the real estate markets. Before any decision to purchase SCPI shares, get advice from a professional to be certain that this investment corresponds to your asset profile. Finally, like any real estate investment, take into account the fact that SCPIs are long-term investments whose minimum holding period cannot be less than eight years.
Content proposed by La Centrale des SCPI
The editorial staff of Boursier.com did not participate in the production of this content.