According to a famous English proverb: “a solid real estate heritage is built with bricks of patience, and we can add bricks of Real Estate Investment Trusts.” This means that a real estate heritage solid is built with bricks of patience and that one can add bricks of SCPI. Real estate is therefore built step by step, step by step. The purchase of performance SCPI shares is suitable for all types of investors, both students and seniors, and offers them the opportunity to build up a resilient real estate portfolio brick by brick, brick by brick. Also, how to build a real estate portfolio brick by brick? This is the subject of this article.
Why is investing brick after brick in performance SCPIs the secret of savers?
If Paris was not built in a day, the same goes for the real estate assets of each investor. Building a resilient real estate portfolio takes time, years. In order to accelerate the pace, do not hesitate to invest in REITs on credit. As the original loan amount is repaid, the investor’s wealth will increase.
It is also necessary to remember to make regular purchases of performance SCPI shares. It is over time that we can build a beautiful heritage. Thus, if the performance SCPI unit costs 200 euros, as is the case with the SCPI Pf Hospitalitymanaged by Perial Asset Management, it will be necessary to pile up 100 bricks to make a line of this SCPI for 20,000 euros.
Expert opinion: For Veronique Baronone of the founding partners of The Central SCPI (www.centraledesscpi.com), the first French digital savings network: “It is appropriate to buy bricks of a first SCPI then a second before investing in new bricks of the first SCPI. »
What bricks should be used to build a tailor-made real estate heritage?
The same applies to bricks as to all materials: they are diversified. It is thus possible to buy shares in office SCPIs, retail SCPIs, logistics SCPIs, health and education SCPIs, diversified SCPIs, hotel SCPIs and residential SCPIs.
Health SCPIs, such as SCPI Pierval Healthcreated by Euryale Asset Management, and logistics SCPIs such as SCPI Activimmocreated by Alderan, are among the best SCPIs due to their thematic specificity.
To make a foolproof SCPI portfolio, you must also buy your bricks outside France, in the euro zone or in the rest of the continent. European SCPIs whose dividends are not subject to social security contributions at the rate of 17.2% for rents collected outside France, are thus particularly solid building blocks for further diversifying its real estate assets.
Tip: “Diversified European SCPIs, such as the Immortal SCPI, created by Sofidy, constitute the foundations of an SCPI portfolio because of their solidity for more than 34 years for this SCPI. They are the first building block of any SCPI portfolio,” recalls Thibault le Coailmanager within The Central SCPI.
Why are SCPI bricks a wall to stop inflation?
The best performance SCPIs bring in around 6% per year. This performance allows their partners to increase their purchasing power, which is not the case for holders of life insurance contracts in euro funds or worse, those who hold a livret A.
Better still, the price of SCPI shares can be revalued according to the results of expert appraisals carried out by independent companies to determine the exact value of each brick, that is to say of each SCPI.
Expert advice: “As the rents of the buildings rented out by performance SCPIs are indexed to inflation, this is neutral in terms of performance for investors” indicates Gregory Moulinierfounding partner of The Central SCPI.
Where to invest in performance SCPIs to build up your real estate assets brick by brick?
As it is at the foot of the wall that we see the mason, it is at the base of each SCPI portfolio that we will see the SCPI specialists. As there are more than 200 different SCPIs on the market, it is not easy to separate the wheat from the chaff. Of course, it is possible to read the SCPI classifications and perform SCPI simulations but as these are dated and are not performed live, this is not the best solution.
It is therefore better to use SCPI specialists who independently distribute all the SCPIs on the market in order to make your choice of SCPI. These consultants sift through every performance SCPI and read every newsletter and annual report. They are therefore fully capable of finding the best SCPIs for their clients. These SCPIs will be the bricks of their SCPI portfolios, bricks that will improve over time.
Expert opinion: “We made a tailor-made SCPI portfolio for one of our clients, allowing him to reinvest in SCPI the amount of the sale of his apartment, which he absolutely wanted to part with due to additional management constraints. more important” recalls Theo Darromanmanager within The Central SCPI.
Bricks are the ideal material to build a building or a house. Bricks are also particularly suitable for building a tailor-made real estate portfolio. These bricks have a name: they are the SCPIs or, to be in tune with the International SCPIs, the “SCPI bricks”.
In order to build, without making mistakes, without stress and without any management constraints, a resilient and efficient SCPI portfolio, it is necessary to seek advice from SCPI specialists, such as those of The Central SCPI (01.44.56.00.23), the first SCPI comparator on the market.
With the shortage of building materials, professionals are scrambling for bricks. This is also the case for SCPI bricks since their collection reached 2.6 billion euros in the first quarter, up 18% compared to the last quarter of 2021. Also, why not terminate your life insurance contract? in euro funds to buy SCPIs which yield around 6% net per year for the best of them?
You will thus have bricks in your eyes or, in English, “bricks in the eyes” if you invest in International SCPIs.
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, seek professional advice 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.
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