Publish-editorial — Whether Sarl, Eurl, Sasu or SME, these companies often have abundant cash. Problem: how to make it grow in order to increase its profits? Certainly not by keeping it on his current account, nor on money-market funds or term accounts which bring in almost nothing. Fortunately, there is a simple way to invest your company’s cash. This means, often misunderstood but very effective, consists in investing during the period of your choice in real estate. How to do ? Here are the steps to follow.
Why does too much cash harm society?
Keeping too much money in your bank account for a corporation does not pay off. Worse, available funds are eaten away by inflation month after month. Knowing that the goal of any company is to earn money, it is also necessary to earn it with that of its cash.
It is therefore necessary, of course, to keep cash in his company but without exaggeration in order to be able to invest it under good conditions.
Where to put the money in his treasury?
To invest the money in your treasury well, it must really pay off. It is therefore necessary to know over what period of time you will invest your cash and to determine the best risk/return ratio.
Typically, companies invest their cash for three and five years. This duration allows you to grow your money with almost no risk.
As noted Veronique Baronone of the founding partners of The Central SCPI (www.centraledesscpi.com), the first French digital savings network:
“Investing the money from one’s treasury for three to five years is totally in line with the desire of business leaders to buy the usufruct of shares in civil real estate investment companies (SCPI). Also, more and more between them call us on 01.44.56.00.23. “
How to invest the money of its treasury in SCPI of return?
- The purchase of SCPI units for cash yield: the classic way
The best performance SCPIs bring in more than 6% net per year. Thus, investing 200,000 euros of its cash in SCPI of return allows to collect 1,000 euros net per month. This sum can be reinvested if it is not needed or used if necessary.
As the price of performance SCPI units increases over time, investing your cash in SCPIs saves money on both counts: cash flow and the valuation of its SCPIs.
- The purchase of the usufruct of performance SCPI shares: the little-known means
A company with a recurring surplus of cash can invest it in the purchase of usufruct of performance SCPIs. The duration of the dismemberment of the SCPI can oscillate between three and twenty years but it is the duration of five years which is most often chosen.
Thus, during the five years indicated above, the company will receive all of the dividends paid by the SCPI. At the end of the five years, it is the holder of the bare ownership who will receive the dividends, the process of temporary dismemberment of ownership coming to an end.
This technique of optimizing their cash allows companies to benefit from returns that are much higher than traditional investments. Over a period of five years, the usufruct of performance SCPI shares is acquired in the majority of cases for 20% of the price of their shares.
Concretely, the company which wants to invest the money of its treasury in SCPI of return will, over a duration known in advance and intangible perceive a return known beforehand. So there will be no unpleasant surprises.
Which performance SCPI to buy to invest your company’s cash?
To choose the right SCPIs from among the best SCPIs on the market, simply go to sites offering up-to-date SCPI rankings. It is possible to be accompanied by a specialized consultant such as those of The Central SCPI (www.centraledesscpi.com) to build the most efficient SCPI portfolio possible.
Where to find out how to invest your company’s cash in a performance SCPI?
As the market for yield SCPIs is very extensive and business leaders do not have the time to read the information bulletins and annual reports of all yield SCPIs, it is therefore necessary to approach SCPI specialists.
It is all the more necessary to do it if one wants to place the money of the treasury of his company in the usufruct of shares of SCPI. Indeed, only specialists in SCPIs have all the distribution keys for all yield SCPIs.
Among the companies distributing all SCPIs on the market at no additional cost and independently, The Central SCPIstands out for the advice it provides to business leaders.
As noted Thibault le Coailmanager within The Central SCPI (www.centraledesscpi.com) : “We have developed services dedicated to our institutional clients in addition to those we have put in place for our private clients. We are therefore able to find the best performance SCPIs for all.”
It is of course preferable to have a large cash flow than to scrape the funds from the drawer of your company. However, keeping too much money in your bank account is not a sign of good management.
In order to invest in a simple, fast and effective way its overflow of cash, why not consider the SCPI of return of which the best report more than 6% net per annum?
To do this, the consultants ofThe Central SCPI (01.44.56.00.23)the first SCPI comparator on the market will help you increase your cash flow.
Currently, buying SCPIs to diversify its balance sheet with defensive real estate assets and offering medium-term yield prospects is the right solution for all business leaders with too much cash.
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.
Content offered by the Central SCPI
The editorial staff of Boursier.com did not participate in the creation of this content.