Pensioners rightly complain about the decline in their purchasing power. It must be said that with inflation of 2.8% in 2021 but a 1.1% increase in their pension benefits on 1er January 2022, the purchasing power of retirees has been undermined. However, it is still possible to improve your purchasing power by investing your savings wisely. To do this, you must invest in shares of real estate investment companies or SCPIs. Here’s how to stop complaining about your income when you’re retired.
Why is the purchasing power of retirees declining?
The purchasing power of retirees is falling due to the explosion in energy prices (fuel, gas, electricity, etc.) and the consequent increase in food prices which has not been offset by the revaluation of the amount of their retirement pensions.
Retirees, especially the most modest, are finding it increasingly difficult to make ends meet. This is particularly infuriating when one has worked all one’s life. Even if seniors receiving a retirement pension of less than 2,000 euros net per month will be entitled to the payment of the inflation allowance promised by the government, the amount of 100 euros paid in February 2022 in one go remains limited.
How to increase your purchasing power when you are retired?
The best way to increase your purchasing power when you are retired is to collect capital income, particularly rents. Many retirees own rental accommodation, but this is not the best solution.
As Lionel Benhamou, one of the founding partners of La Centrale des SCPI (www.centraledesscpi.com), the first French digital savings network, observes:
“Spending your time managing retired tenants does not correspond to the idea that you can have free time. Worse, more and more tenants are struggling to pay their rents with increased risks of litigation. This is why retirees who call us on 01.44.56.00.23 prefer to invest in SCPIs, even if it means selling their rental apartments.”
What are the advantages of investing your money in SCPI when you are retired?
The question of purchasing power that burns the lips of all retirees can be resolved by investing in the best performance SCPIs. These generate an annual performance of around 6%, which is much more than life insurance contracts in euro funds.
Retirees who invest their money in SCPIs are also not faced with management constraints since all the work is done by SCPI management companies for which this is their sole business. The latter create pooled real estate holdings comprising up to several hundred buildings.
The majority of performance SCPIs are corporate SCPIs (offices, retail premises, warehouses, business premises, real estate related to health and education, etc.), but more and more management companies have created Residential SCPIs, that is to say residential SCPIs.
Investing in SCPIs also allows retirees to invest their money outside of France (euro zone and rest of the European continent) which would be impossible if they were acting alone. It should be noted that European SCPIs are among the best SCPIs, in particular because their dividends are not subject to social security contributions at the rate of 17.2%.
Finally, in order to prepare the transmission of its assets under the best auspices, the purchase of SCPI shares in temporary dismemberment of ownership offers the opportunity to preserve the usufruct and to give the bare ownership to its future heirs.
How to invest in SCPI when you are retired?
It is always possible to invest in SCPI alone when you are retired but it is not recommended. Indeed, more and more SCPIs are placed on the paper stone market. In itself, this is a good thing, but it is increasingly difficult to make the best choice of SCPI. This is all the more true since all retirees, and all French people in general, are not specialists in savings products.
It is therefore recommended to be advised to buy its SCPI shares. Knowing that their price is the same regardless of the distribution channel, no additional cost is to be paid when you go through SCPI specialists to build your tailor-made SCPI portfolio.
As suggested by Laurent Fages, manager at La Centrale des SCPI:
“Thanks to our advice, retirees will benefit from increasing their purchasing power. We certainly distribute all the SCPIs on the market, but we only recommend the best SCPIs after a battery of tests that we have been refining since our beginnings ten years ago. In addition, our independence reinforces our credibility.”
Going through SCPI specialists also leads to the benefit of associated services such as help with completing your tax return, to buy your performance SCPIs online, to benefit from a dedicated telephone line with your SCPI consultant and to have access to a regular monitoring of its SCPI portfolio.
The decline in purchasing power, in particular that of retirees, is not inevitable. In order to ward off financial difficulties and be able to continue to have fun or to please your children or grandchildren, it is better to invest your savings in performance SCPIs than on a life insurance contract in euros which has brought in less than inflation in 2021.
To build a resilient and tailor-made SCPI portfolio, the simplest and most profitable way is to get in touch with SCPI specialists, such as those of La Centrale des SCPI (01.44.56.00.23), the leading SCPI comparator on the market. paper stone. Whether you have savings of a few thousand euros or several hundred thousand euros, these men and women work in the same way with respect for their customers.
It is certainly easier to leave your money in the bank and complain about the fall in your purchasing power than to invest knowingly in performance REITs. However, the more than one million savers who already own SCPI think otherwise. Under these conditions, why not do like them in order to regain control of the management of your assets? A site like La Centrale des SCPI is full of information and the advisers will accompany you from the beginning to the end of your SCPI investment project.
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 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 duratione of dminimum extension cannot bevery lowolder than eight years.
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