(Communicated)
When you have worked hard all your life, it is not a question of surviving retirement but of living well, which the amounts of retirement pensions do not always allow. To cope with a drop in purchasing power and the increase in the cost of living, anticipating retirement and building up additional income has become a necessity.
Why is the SCPI investment proving to be the best investment for retirees?
Beyond maintaining the standard of living, there is the question of maintaining independence in retirement. Old age is often synonymous with new expenses, whether in terms of personal services, care expenses or fitting out one’s main residence. In order not to find yourself in a situation of dependence on loved ones and to stay at home as long as possible, it is important to anticipate this period of life when you no longer work and to prepare additional income for your retirement.
This is what performance SCPIs allow, these vast real estate parks offer retirees many advantages, including:
- A lack of management : when you invest in SCPIs, you fully delegate the management of the real estate portfolio to professional teams, a real relief for retirees who often have neither the desire nor the courage to manage real estate directly.
- A regular income : SCPIs serve monthly or quarterly returns to their partners, a regularity that allows retirees to meet daily expenses without depriving themselves! Indeed, the income of SCPIs has proven to be regular from one year to the next since their creation, an investment without unpleasant surprises which allows you to calmly consider the management of your expenses.
- A capital that is revalued over time : the real estate holdings of SCPIs regularly increase in value, retirees thus see their SCPI portfolio revalued over the years, as well as their income since they are indexed to inflation.
- Options to anticipate its transmission : SCPIs avoid cases of joint ownership between the heirs, an often delicate situation at the origin of tensions. It is also possible to set up a life dismemberment to favor your children and limit inheritance rights.
Expert advice : ” SCPIs are the investment of choice for retirees to maintain their financial independence in retirementwe also observe a craze among sixty-somethings for this low-volatility investment and sources of additional income. »
Example of an investment of €150,000 in a yield SCPI:
With an average return of 6%, retirees who have invested receive a monthly income of around €750, an amount that makes the difference when you receive a small pension.
How to invest in SCPI of return to live a happy retirement?
For your retirement you have to make the right choices, being accompanied is essential to make a personalized investment. Specialized platforms such as La Centrale des SCPI www.centraledesscpi.com, the leading online distributor of SCPIs, provide free support to their clients in building diversified multi-SCPI portfolios.
Example of an SCPI portfolio to protect your retirement assets:
- Vendome Regions : a French and diversified SCPI, managed by the management company Norma Capital, it is invested in the French regions and allows a good diversification of the assets of its partners, who in 2022 received a return of 5.71%. It was also positioned in second place on the podium of the SCPI Grand Prix in the Diversified – Specialized SCPI category in 2022.
- Heart of Europe : Diversified European SCPI, it is managed by the management company Sogénial immobilier, Coeur d’Europe achieved a good collection in 2022 and paid a return net of foreign taxation of 5% to its partners in 2022.
- Activimmo : managed by the management company Alderan, specializes in the logistics sector, which has been very dynamic in recent years due to the development of e-commerce and the proliferation of international trade. The SCPI, whose real estate portfolio is mainly invested in France, is heading for Europe, a diversification that should be accentuated in 2023.
- Pierval Health : is an SCPI specialized in the field of health, it is experiencing strong growth due to the aging of the population, invested in France and Europe, the partners benefit from European influence and long-term visibility term since the leases signed by the SCPI have a duration of more than 16 years.
The consultants of the Centrale des SCPI are available at 01.44.56.00.23 to carry out a free heritage study and best advise savers according to their situation.
Testimony of Colette 86 years old, widow for 2 years: “ With my husband, we invested in SCPIs 10 years ago, when he fell ill the income from the SCPIs allowed us to set up a service at home and to stay together, since his death, they allow me to pay for my senior residence, an expense that I could never have covered on my own with my small pension. And you know, I’m really relieved that I didn’t become a financial burden on my children. »
While the subject of retirement is at the heart of society and we are witnessing a strong recovery in inflation, we should not wait to ensure a sustainable retirement. Indeed, the cessation of professional activity should not be anxiety-provoking or synonymous with impoverishment. Investing in performance SCPIs allows you to look to the future with confidence and is in fact the preferred investment for retirees.
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, get 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 minimum holding period cannot be less than eight years.
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