At a time when the cost of living is climbing slowly but surely and when savings booklets are no longer enough to preserve purchasing power, many are turning to innovative solutions. A word returns to everyone’s lips: SCPI, or “paper real estate”. This placement represents a common quest: obtaining a stable income, as reassuring as a good old booklet A, but sufficiently efficient to last and resist inflation. Why does paper real estate attract so many people in France, from generation X to new retirees? And how does he manage to offer this rampart so sought after against insidious erosion of purchasing power? Let us discover the mechanisms and advantages of this placement which transforms the financial daily life of many investors.
Immersed in their journeys: How paper real estate attracted these investors in search of stability
Clicks and reasons to choose SCPI in the face of economic uncertainty
The economy, markets and taxation are not a long, quiet river. For many, the post-2012020 years have been marked by fluctuations worthy of the roller coaster, plunging many savers in uncertainty. Paper real estate then appeared as obvious : a way to access stone without constantly monitoring the market. The promise of regular income, indexed to the rents of the professional market, is a real asset. This is how new investor profiles have crossed the CAP, seduced by the transparency and simplicity of the system.
Cross portraits: Varied profiles, the same search for financial serenity
SCPIs attract a wide range of investors: Parisian retirees find the ideal complement to their pension, without the constraint of managing tenants, while active thirty-something integrated them into a diversified portfolio including life insurance and European actions. For everyone, the major attraction lies in the stability and regularity of income, far from stress and stock market vagaries. Regardless of the course or age, the papier-paper brings together profiles around a logic: securing the financial future without giving up flexibility.
The secret of tranquility: how SCPI maintains a reassuring yield during inflation period
The mechanisms that protect rents and dividends of economic turbulence
The great asset of SCPIs is their ability to keep the course even in bad weather. For what ? Because income comes from professional rents, carefully diverse : offices, clinics, logistics warehouses, shops in the city center or health establishments. This sectoral and geographic diversification limits the risks of dependence on a local economy or a typology of assets. During the inflation, the indexing of rents plays a crucial role: leases often predict an annual revision, enough to preserve, even revalue the income distributed to investors. Result ? An average yield that remains stable around 4 % net over five yearslike an anchor in the midst of financial currents.
Concrete comparison: The advantage of SCPIs in the face of traditional investments
It is enough to observe the rates of risk -free investments today to understand the attraction of SCPIs. Savings booklets cap these days between 2.5 % and 3 % clear. The funds in euros, they lose competitiveness from year to year. SCPI shares holders, on the other hand, benefit from a significant advantage: in 2024, they received an average of 4.72 % net, without management or hassle. Over the past five years, the yield has raised between 4 % and 5 %, despite the variations in markets and real estate prices. The purchasing power of SCPI investors is better than that of savers that have remained on conventional supports.
Delegated management and time saving: life before and after having invested in paper real estate
No more owner galleys, Make way for the comfort of passive investment
If there is an argument that is unanimous, it is the relief of not having to manage the current problems of a property: leaks, unpaid rents or unusual work. Paper real estate is the comfort of delegated management : Professionals take care of everything, from the optimization of rents to the selection of solid tenants. This approach also makes it possible to pool the risk of unpaid or rental vacancy, considerably limiting the impact for each investor.
A new freedom: Time and income freed from real estate management
The transformation is palpable for investors: freed from management constraints, some devote their time to personal projects, others turn to passions or develop new professional activities. Regular income from SCPIs are now funding leisure, trips, or support relatives. The absence of constraints, combined with a stable income, offers a precious peace of mind in the face of economic uncertainties.
The look to the future: Why they want to strengthen their place in SCPIs
The projects they envision thanks to the visibility offered by a stable income
With visibility on medium and long -term income, SCPI investors can plan serenely: preparing a retirement without anxiety, anticipating children’s studies or considering a change of life in the countryside. The stability offered makes it possible to dare new projects And to consider the future with more freedom, even in times of inflation. This financial predictability is a major asset in an uncertain economic context.
The advice of experienced investors to those who still hesitate to take the plunge
The watchword of experienced investors? Take the time Understanding the principle, comparing SCPIs and adopting a diversified strategy. Patience pays: It is generally recommended to invest over at least 8 to 10 years to smooth any variations in the value of the shares. Other essential advice : Do not concentrate all your investments in the same place, but intelligently distribute between several supports, the Pierre-paper representing an excellent component in a balanced portfolio.
What they remember from their experience: Paper real estate as a bulwark against the erosion of purchasing power
Lessons gleaned over the years and their impact on their financial tranquility
The observation that comes up most often? Paper real estate has made it possible to preserve and enhance savingseven when other investments lost their splendor. The regularity of the payments, the indexing of rents to the rhythm of inflation and the diversification of assets constitute the pillars of a winning strategy over time. For many investors, it is the serenity found: fewer financial worries and a better quality of daily life.
Good surprises (and possible limits) of placement in SCPI by those who live it
Among the often unknown advantages are the flexibility of an investment accessible from a few hundred euros, the possibility of automatically reinvesting its dividends or buying shares gradually. Entrance feeswhich seem raised at the start (often between 8 % and 10 %), are quickly amortized over time. The vigilance points mentioned mainly concern the value of the shares, not guaranteed, and certain disparities in performance according to the real estate sectors or the quality of management.
| Characteristic | SCPI of yield in 2025 |
|---|---|
| Average yield (2024) | 4.72 % (up vs 2023) |
| Anticipated yield 2025 | Around 4 %, up to 6 % according to the SCPI and the strategy |
| Inflation resilience | Yes: rents indexed or renewed regularly |
| Risks | Volatility of the value of the shares, rental vacancy, need for a rigorous selection of assets |
| Accessibility | Possible investment from a few hundred euros |
| Ideal horizon | Long -term medium (≥ 8 years) to amortize costs |
The Pierrepier therefore confirms its refuge value position in 2025: Stable average net yield around 4 % over five years, resistance to inflationregular income and simplified management. These characteristics appeal to experienced investors as well as neophytes looking for reliable alternatives. In an uncertain economic context, the SCPIs offer this rare combination of performance and peace of mind, making it possible to envisage the future with confidence without undergoing the traditional constraints of real estate.