(Communicated)
Retirement constitutes for everyone a drop in purchasing power, it is then necessary to act to build up additional income and maintain one’s standard of living and to make oneself the key words are: anticipation and diversification.
Real estate is a safe haven and an excellent way to prepare for retirement to create additional income… however, there is no question for retirees of worrying about managing real estate. SCPIs, or real estate investment companies, stand out as the best investment for retirement.
Why invest your money in SCPI to have a supplement for retirement?
While we are experiencing a period of high inflation, retirees have never needed additional income so much. The purchase of SCPI shares offers them many advantages.
One of the main advantages of performance SCPIs for retirees, unlike direct rental real estate, is the absence of management. Indeed, at a certain age, you no longer want to deal with the management of an apartment or a tenant. Then, SCPIs give regular returns, paid monthly or quarterly and proportional to the investment made, so it is the ideal investment for retirees looking for additional income.
Expert advice “Getting income and worrying about nothing, that’s what the SCPI investment is, so it is very suitable for retirees, many of whom invest in SCPIs the fruits of the sale of old rental properties. says Anne Cocagne of La Centrale des SCPI, the first online SCPI comparator.
In terms of performance and compared to funds in euros for life insurance or various bank books, we can expect from the SCPI investment up to 6% net return.
Practical case :
An investment of 50,000 euros made on SCPIs with an average return of 6%, the saver will receive €250 each month in order to spoil his loved ones.
Testimony of Claudine, 67, La Centrale des SCPI customer www.centraledesscpi.com for 5 years: “When I was working, I didn’t worry too much about my savings. When I retired, I made the choice to invest this money in SCPI, today I receive income every month that allows me to maintain a comfortable lifestyle.
Why invest in SCPI in retirement to diversify your savings?
It is generally when we reach retirement that our savings are the most important, so to preserve them, it is important not to squander them and face the drop in income.
Investing in REITs in retirement allows you to become the owner of real estate through the acquisition of shares, thus greatly diversifying your assets. Indeed, the creation of a multi-SCPI portfolio allows retirees to diversify their assets thanks to a strong pooling of risk, ensured by the size of the real estate parks located in various geographical areas and by the multitude of tenants whose activities are different.
Investing in SCPIs also makes it possible to diversify the sources of income for retirees, since SCPIs provide property income and can benefit from advantageous taxation.
Expert opinion: “Some investments allow investors to receive remuneration but few of them offer a revaluation of the capital invested independently of the income: this is one of the assets of SCPIs! explains Laurent Fages, consultant at La Centrale des SCPI.
In short, investing in SCPIs in retirement allows you to perpetuate your capital while building up additional income, yield SCPIs have thus become in a few years the favorite investment of retirees.
Testimony of Jean-Claude 80 years old: “When I retired, I recovered a substantial sum from my company savings, I did not want to spend it all, so I invested all of it in SCPIs by calling on La Centrale des SCPI, since then my capital has been revalued and I am delighted to know that my children will inherit these SCPI shares”.
How to build an SCPI portfolio for retirement?
To carry out the best operation for your retirement, two elements must be kept in mind, first, you must personalize your project, then simplify your life as much as possible, and to do so, it is recommended to find the right interlocutor. 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.
As part of an investment of €100,000, it would be relevant to consider selecting the following SCPIs:
- The SCPI Coeur de Régions, a French and diversified SCPI, managed by the management company Sogénial Immobilier, it is invested in the French regions and allows a good diversification of the heritage of its partners, who in 2022 received a return of 6.40% .
- The SCPI Pierval Santé 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 visibility over the long term since the leases signed by the SCPI have a duration of more than 16 years
- SCPI 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.
- The SCPI Novapierre Germany 2, managed by the management company Paref, is an SCPI specialized in the field of commerce in Germany, the largest European economy. An interesting diversification that allows you to benefit from the dynamism of the economy of your neighbors across the Rhine.
To find out more and build a tailor-made SCPI portfolio. The consultants of the Centrale des SCPI can be reached at 01.44.56.00.23, they carry out a free personalized study and advise investors as best as possible according to their situation.
At a time of pension reform and when we are experiencing inflation above 5%, it is essential to anticipate and compensate for a certain decline in the purchasing power of retirees. Implementing an anti-inflation strategy for your savings is an absolute necessity to ensure your old age and anticipate its transmission. Considering these issues, SCPIs are in fact the ideal solution for investing your money in retirement.
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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