“Paper stone” represents a real estate investment strategy which allows you to acquire shares in a collectively managed real estate portfolio.
This indirect investment method offers the opportunity to become a co-owner of real estate assets without the hassle of daily management.
Specialized management companies take care of all operations, including the acquisition and sale of property, rental management, and the distribution of rental income to investors.
Who can invest in “paper stone” and what types of goods does it include?
“Paper stone” investments mainly attract individuals wishing to invest their money in various properties such as offices, businesses, and logistics warehouses and clinics.
These properties are chosen for their easier management and their high profitability potential compared to rental apartments, which are often a source of disappointment.
The SCPI, or Société Civile de Placement Immobilier, is the main investment vehicle for accessing the buoyant stone-paper market.
It should be remembered that the most successful SCPIs distributed in 2022, a return greater than 7%, far ahead of the Livret A and life insurance in euro funds.
What are the advantages and disadvantages of “paper stone”?
Investing your money in “paper rock” offers many advantages, such as total delegation of management, a historically stable and low volatility return, and increased diversification.
However, there are also disadvantages, such as the impossibility of living in the property, and a minimum holding period of 10 years.
How does “paper rock” compare to direct real estate investing?
Unlike direct real estate investment, “paper stone” allows for higher profitability and accessibility with lower investment amounts starting from 40,000 euros on average on the digital platform La Centrale des SCPI, www.centraledesscpi. com
It also offers potential for added value without direct involvement in the management or renovation of properties.
What is the taxation linked to “paper stone”?
Taxation of “stone and paper” can be advantageous, but varies depending on the investment structures chosen.
It is crucial to understand the tax implications before committing and to consider options such as European SCPIs to optimize the taxation of rental income.
Indeed, on an SCPI invested 100% in the euro zone, you will be completely exempt from social security contributions.
Why is “paper stone” an option favored by all savers?
“Paper stone” is popular with individual investors for its ease of management and its ability to generate higher returns than rental real estate without the need to manage the properties individually.
It allows diversification and pooling of risk which are difficult to achieve with individual physical properties.
The SCPI is an ideal tool for increasing your purchasing power since it pays you a net income directly into your bank account.
How does real estate crowdfunding fit into the concept of “stone and paper”?
Real estate crowdfunding offers a newer, participatory form of real estate investment, although it deviates slightly from the traditional “stone and paper” model by focusing more on short-term lending for development projects rather than the acquisition of land ownership in order to generate rents.
Investing in crowdfunding can often be more risky than investing in SCPI.
What is the impact of delegated management on investment in “stone and paper”?
Delegated management is a major advantage of “stone and paper,” eliminating the need for the investor to become involved in the operational aspects of property management, which is often required in direct real estate investing.
If you invest your money in cash, you will have absolutely nothing to do to receive your income.
How does “stone paper” react to inflation and market volatility?
Historically, “paper rock” has demonstrated an ability to deliver returns that track inflation, making it a potentially safer investment in the face of market volatility and protection against the erosion of purchasing power.
Many SCPIs such as SCPI Remake live distributed a return higher than inflation last year.
What specific investment strategies are associated with “paper rock”?
“Stone and paper” investment strategies may include the purchase of shares in properties located in France or Europe.
The sectors can be varied such as office, commerce, health, logistics.
How to choose the right “paper stone” investment vehicle?
Choosing the right “rock and paper” investment vehicle depends on individual objectives, risk tolerance, and management and liquidity preferences.
It is essential to compare the different options, taking into account management fees and investment structure.
To make a successful investment in paper stone or SCPI, you must contact the La Centrale des SCPI digital platform.
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 in fact depend on fluctuations in the real estate markets.
Before making any decision to purchase SCPI shares, seek 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 duratione of dminimum attention cannot bebe infolder than eight years.
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