Editorial – Investing in real estate is not always easy. What initially seems a good idea can turn into a nightmare for many investors between overpriced or unaffordable goods, poorly evaluated work costs or even bad payers.
What if there was a simple formula for investing in real estate with complete peace of mind? Focus on Civil Real Estate Placement Companies or SCPIs, this placement that reconciles investors with real estate!
What is a SCPI?
Real estate, nothing but real estate! This is the first idea to remember from the SCPI. Unlike other investments offered by insurers and bankers, the SCPI consists only of physical real estate. There are no shares or bonds in a SCPI.
Within a SCPI, there may thus be several dozen or even hundreds of buildings. Of course, the SCPI investor will not have to deal with it, all this is the job of a management company which will select the assets to be acquired and ensure all management.
In short, the individual who invests in a SCPI becomes the owner of this real estate complex. The management company will act a bit like a rental management firm to which we have entrusted an apartment.
What should the investor do? Strictly nothing or almost … He will be content to collect rents which will be paid directly to his account each quarter.
Are the returns of SCPIs interesting? Judge for yourself, SCPIs manage to obtain returns of up to 6%, entirely net of all rental charges! Virtually unbeatable for an unmanaged investment …
“It is clear that the SCPI has become popular with real estate investors! For 10 years, it has continued to popularize. With the rise in inflation, we expect attractive performance which should attract savers keen to protect power purchase of their money! “explains Grégorie Moulinier, founding partner of La Centrale des SCPI, the platform today leader of the SCPI market (01.44.56.00.23 / www.centraledesscpi.com).
Why choose the SCPI rather than traditional real estate?
If the SCPI achieves a remarkable breakthrough in the world of real estate investment, it is because more and more investors are disappointed by traditional real estate in several respects.
The management of classic real estate has grown steadily over the years. For previous generations, it was easy to buy an apartment and put it up for rent. Prices rose almost systematically from year to year, the procedures to collect delinquencies were lightened and the standards which weighed on physical real estate practically non-existent.
However, successive reforms have considerably changed the situation: tenants’ rights, regulations on condominiums, fire safety standards, insulation, provisions for charges of the ALUR law …
All this has complicated management to the extreme, dissuading owners who are increasingly attracted to the idea of selling, for lack of time to manage or because they feel they are spending their time paying charges rather than enjoying the fruits of their real estate.
The SCPI makes it possible to free oneself from all these constraints thanks to the delegation of management. And as SCPIs are made up of dozens or hundreds of properties with a multitude of tenants, they will pool the risks and charges of traditional real estate. This is the reason why some SCPIs manage today to serve 6% net of charges to their associates!
“Having an attractive yield without any management and net of all rental charges is now a utopia in classic real estate! This is undoubtedly the major reason for the success of SCPIs. The adjective” tranquility “is the one that comes up the most with our former clients when we take stock after a first year of investment “explains Laurent Fages, senior consultant at La Centrale des SCPI (01.44.56.00.23 / www.centraledesscpi.com).
Where to buy SCPI with confidence?
If to buy classic rental property you have to go to a real estate agency, for SCPIs you have to go to a SCPI agency like that of La Centrale des SCPI. Of course, moving physically is a possibility but not an obligation.
It is possible to take the time to consult the website of this platform (www.centraledesscpi.com) which has become the benchmark in the SCPI market due to the quality of its advice and the responsiveness of its customer service.
The advantages of using this platform are that you can find the entire SCPI market in one place, perform SCPI simulations, consult updated SCPI rankings or learn about the taxation of SCPIs.
“The main advantage of our intervention is that it is neutral for the investor since we do not generate an additional cost for him. All the services that we offer him are a real bonus compared to the fact of investing without us. ‘deprive it? ”summarizes Lionel Benhamou, founding partner of La Centrale des SCPI (01.44.56.00.23).
Thus, the investor has a dedicated customer area on which he can find a dashboard bringing together all the SCPIs he has, their sectoral and geographic distribution but also the latent capital gain.
This SCPI purchase channel makes it possible to invest in real estate without any unpleasant surprises as in traditional real estate, while benefiting from very precise monitoring of the investment!
Attractive returns, no management and a simple and secure purchasing process, the SCPI should continue to prove that traditional real estate does not have a monopoly on the hearts of the French! More than a million savers have been seduced by the SCPI: a winning real estate investment formula!
Warning :investment in a SCPI is not guaranteed, both from the point of view of dividends received and that of capital preservation. SCPIs depend on fluctuations in the real estate markets. Before any decision to buy SCPI units, seek professional advice to be sure that this investment matches your wealth profile. Finally, like any real estate investment, take into account 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 production of this content.