Publish-editorial – Investing part of your savings on something other than the Livret A is always a bit complex. Indeed, how do you know if you are making the right decision? How to be sure of the good profitability of the project? Of course, there is always the solution of rental real estate, but everyone does not necessarily want to manage one or more property(ies), as well as the related problems… This is why, Turning to the SCPI solution, and more particularly performance SCPIs, is wise. Let’s do a check in.
What is an SCPI?
First, let’s study a little the principle of an SCPI. It is therefore the acronym of Société Civile de Placement Immobilier, behind this name, is therefore hidden a company that invests in rental real estate, and then offers the shares to various investors. Let’s illustrate this with a concrete example: an SCPI buys a property (an office building for example) for a value of 2 million euros. To open up the investment to individual investors (including companies), it “divides” the property into 2,000 shares of 1,000 EUR. Result: it is possible to become an investor in this property from 1,000 EUR. In reality, it is often necessary to buy several shares to enter an SCPI (the minimum entry ticket for an SCPI is around 200 EUR), but the operation remains the same.
Once the investor has purchased one or more units of the SCPI, he regularly receives dividends as rent. Moreover, this is where the main advantage of this type of investment in real estate comes into play: the investor has absolutely nothing to do, except to wait to receive the silver. Indeed, it is the SCPI which takes care of all the rental management of the property: here is the big difference with a standard property.
Why choose a performance SCPI?
In the world of SCPIs, there are two possibilities: move towards a tax SCPI or otherwise a yield one. When the first makes it possible to optimize its taxation, the second offers an optimal rate of return.
Interesting profitability
Thus, this is the first advantage of moving towards a performance SCPI: if you want to invest a large amount of capital, then the performance will only be better. In effect, this type of SCPI never goes below 4% average return. Moreover, some of them can reach a rate close to 7% gross! In short, as you will have understood, the performance SCPI has all the advantages of rental real estate, without having the disadvantages. This is what interests investors the most.
Exemplary investment security
Beyond attractive profitability for performance SCPIs, it is also an investment whose security is a priority. Obviously, any investment represents a risk of capital loss, but here, everything is done to reduce this risk. First of all, some SCPIs diversify the type of investment as much as possible. While some are oriented towards a single type of property, there are others which combine several, until reaching optimum diversity. In addition, all investments are made according to precise profitability calculations, and the SCPI is working to optimize it as best as possible over the years.
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