Savings, everything cracks except the SCPI investment


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The first half was particularly stressful for investors. Between the fall of the stock market and the bond crash, not to mention the rise in oil and the decline in the price of many raw materials, investors realized that almost all investments had cracked. Almost all but one: the civil real estate investment companies (SCPI) which float in this anxiety-provoking universe. Why are SCPIs one of the only investments to stand out today? The answer to this question that will restore confidence to investors can be found here.

What are the investments that have cracked since the beginning of the year?

The CAC 40 had not tumbled so much for a long time during a semester. The flagship index of the Paris Stock Exchange had certainly increased last year but it is now ancient history.

Under these conditions, is this the time to invest your money on the stock market? Clearly not since nothing says that the decline in shares will not continue. Better to wait for better days and invest your money in less risky investments.

  • Life insurance in euro funds

To say that life insurance contracts in euro funds have cracked may seem like an abuse of language but, on closer inspection, this is not the case. Indeed, the rise in interest rates rightly raises fears of a bond crash like the one we experienced in 1994.

From the point of view of their performance, life insurance policies in euro funds should only bring in barely more than 1% for their holders this year, compared with inflation which reached 5.8% during of the last twelve months. Also, keeping your money on a life insurance policy in euro funds means losing purchasing power.

When we talk about rental real estate, it means that we are talking about buying or owning an apartment or a house to rent out to tenants. The rental property market hasn’t really cracked since the start of the year, but there are warning risks.

These risks include the fact that stone prices have skyrocketed and trees never reach the sky. In addition, it is an increasingly significant risk, the thermal regulations will eliminate from the rental property market many properties that cannot be rented due to increasingly restrictive standards.

As evoked Veronique Baronone of the founding partners of The Central SCPI (www.centraledesscpi.com), the first French digital savings network: “Customers who call us on 01.44.56.00.23 have lost a lot of purchasing power since the beginning of the year and have suffered heavy losses on the stock market for some. They therefore prefer to stop the costs and invest their money in performance SCPIs which are the best current investment. »

Why are SCPIs the only consumer investment not to have cracked since the 1er January ?

  • The performance of yield SCPIs was maintained

The best performance SCPIs have been reporting around 6% net per year for several years. This should, all other things being equal, still be the case in 2022.

  • SCPIs are indestructible like stone

A stock or bond is not tangible property. They are title deeds, bits of paper. Stocks or bonds can therefore see their value reduced to nothing. In contrast, real estate is, by nature, a visible and tangible asset that will always be worth something.

  • SCPIs are shared investments

A pooled investment is a diversified investment that combines many assets. With regard to yield SCPIs, they have very diversified real estate holdings made up of several tens, even hundreds, of buildings.

It is thus possible to invest your money both in offices, in the walls of shops, in warehouses, in business premises, in real estate related to health and education but also in the walls hotels or tourist real estate. It is also possible to invest in residential SCPIs, but this is not the most common type of performance SCPI.

  • SCPIs have left our borders

In recent years, management companies have been massively acquiring assets in Europe (euro zone and rest of the continent). This strategy makes it possible to further pool their real estate portfolios in order to reduce the risks to their bare minimum.

European SCPIs, because of their enviable tax status, are therefore among the best SCPIs. So do not hesitate to mix them with SCPI France to build a high-end SCPI portfolio.

  • SCPIs can be acquired on credit

In times of inflation as at present, it is preferable to invest on credit for proportionately less to repay as and when it matures. The use of a leverage effect also makes it possible to build up a heritage more quickly than by investing in its cash yield SCPIs.

Where to buy the best SCPIs?

  • At a distributor specializing in performance SCPIs

Unlike banks whose advisers are multi-card, the consultants of companies specializing in SCPIs only do this job. They also offer all SCPIs and the price of shares is the same regardless of the distribution channel. Demonstrating total independence, these companies are above all at the service of their customers.

  • To The Central SCPIthe first online SCPI sales company

As pointed out for Theo Darromanmanager within The Central SCPI : “Faced with the situation we are experiencing, our customers find a haven of peace by being advised by us. They know that they will find the best SCPIs and can advantageously increase their purchasing power and their assets. »

While we thought the situation had stabilized after the Covid-19 crisis which marked us a lot, it appears that many investments have, in this first half which will not go down in the annals, lowered their flag. Fortunately, there is one that shows resilience against all odds: performance SCPIs.

However, before rushing to invest in performance SCPIs, you must first seek advice from specialists, such as those of The Central SCPI (01.44.56.00.23), the first SCPI comparator on the market.

In Les Châtiments (1853), Victor Hugo wrote: “And if there is only one left, I will be the one!” “. By paraphrasing it, it is possible to say: “And if there is only one investment left, it will be SCPIs. »

Warning

Investment in an SCPI is not guaranteed, both from the point of view of dividends pervsus than 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 duratione of dminimum extension cannot bevery lowolder than eight years.

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