Publish-editorial — The French need to secure their heritage in order to be able to pass it on to their children when the time comes. However, until then, our compatriots also need to increase their purchasing power and their wealth. However, they must avoid taking too many risks, as is the case when investing in the stock market or worse, in crypto-currencies. In order to transform its assets into heritage armor, real estate investment companies (SCPI) are the best way to protect them effectively. Here’s why.
What is Heritage Armor?
Heirloom armor is a resilient, high-performance asset. It is an asset that does not risk going up in smoke, which can be bought on credit and which provides regular income in excess of inflation. This is therefore not the case for shares, passbook accounts or life insurance contracts in euro funds.
Wealth protection is therefore the holy grail of any investor wishing to invest his money in complete safety while benefiting from regular income. This could be the case with the purchase of a rental apartment but, in view of the management constraints and the risk of non-payment, rental real estate cannot be considered as an asset shield.
As indicated Lionel Benhamouone of the founding partners of The Central SCPI (www.centraledesscpi.com), the first French digital savings network: “Wealth armor must be made up of several independent parts. This is the case of an SCPI portfolio in which several performance SCPIs are mixed. Customers who call us on 01.44.56.00.23 do not want to put all their real estate eggs in a single basket and that is why they prefer to buy performance SCPI shares. “
Why are SCPIs the best legacy armor?
Yield SCPIs are first and foremost the best asset protection because they invest only in real estate. The management companies that have created and manage all the SCPIs mainly buy business real estate (offices, shops, business premises, warehouses, real estate related to health and education, etc.) but also more and more residential real estate. Diversified SCPIs are among the best SCPIs, ie those yielding around 6% net per year.
The diversification of performance SCPIs can also be achieved geographically by buying European SCPIs (euro zone and rest of the continent). European SCPIs offer savers an additional advantage since their dividends are not subject to social security contributions at the rate of 17.2%. In addition to France, SCPIs are acquiring more and more buildings in Germany and the Netherlands, two countries with a flourishing economy in which it is not possible to invest alone.
As for the taxation of performance SCPIs, this can be canceled by investing in the bare ownership of SCPIs, which allows you to pay less for your shares. It should be noted that the bare ownership of SCPIs is not included in the tax base for real estate wealth tax (IFI), which further reduces the tax bill for investors.
In addition to the fact that yield SCPIs can be purchased by temporarily dividing up ownership, it is wise to buy them on credit in order to take advantage of a leverage effect and therefore increase your assets more quickly.
Finally, do not believe that you have to invest a lot of money to be at the head of a diversified SCPI portfolio since a few thousand euros are enough. It is of course possible to strengthen its positions as and when its cash flow, especially when collecting an inheritance.
Diversification, security of real estate, purchase on credit or by temporary dismemberment of property, possibility of not paying tax, modest investment, performance SCPIs meet all the criteria of patrimonial armor.
How to transform your assets into heritage armor thanks to SCPIs?
Yield SCPIs are certainly heritage armor, but some SCPIs are more protective than others. The best heritage armor will be the one made from the best SCPI. You still have to find them, which is less simple than it seems.
Indeed, the SCPI market is a booming market with more and more SCPIs and more and more management companies. It is therefore not possible to follow its development day by day if you are not a SCPI professional. It is certainly appropriate to gather information from SCPI classifications, to carry out SCPI simulations, to read a few annual reports, but the compilation of data will remain fragmented.
This is why it is preferable to take advice from SCPI specialists, men and women who only do this job. As the price of performance SCPI units is the same regardless of the distribution channel, you should therefore have no scruples about doing so.
As reminded Thibault Le Coailmanager within The Central SCPI : “Our experience of more than ten years in the tailor-made design of heritage armor leads us to forge them with increasingly resistant and effective SCPIs to increase its purchasing power. This is why we like our job, a job that is both creative and exciting.”
Owning heritage armor is the dream of every savvy investor. This is a long-term quest that bears fruit since it allows you to increase your purchasing power by receiving regular dividends, monthly or quarterly, in order to supplement your income. The best heritage armor has a name: performance SCPIs which are part of the heritage of more than a million French people.
In order to have custom-made heritage armor forged with the best alloys and the best efficiency, it is essential to do so with the recommendations of experts in the field, such as the consultants of The Central SCPI (01.44.56.00.23), the first SCPI comparator on the market.
Investing well is not only protecting yourself but also protecting your money. This is why it is possible to invest around 30% of your assets in SCPIs. Yield SCPIs are the fine flower of the heritage armour. All the more reason not to slung over your life insurance policy in euro funds, which is the best way to reduce your purchasing power.
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.
Content offered by the Central SCPI
The editorial staff of Boursier.com did not participate in the creation of this content.