Nevertheless,
Know how invest scpi shares:
Civil real estate investment companies (SCPI) are part of the classic arsenal of retirement investments. Therefore, Invested in physical real estate (for example offices). Therefore, they pay their holder to complement their pension every month or each quarter. Furthermore, The yield reached 4.72 % on average in 2024, according to the French Association of Real Estate Companies (ASPIM).
“The recent setbacks of certain SCPIs. Consequently, with valuation reductions, do not question the interest of these products in a retirement perspective, because it is a very long -term investment”indicates Guillaume Eyssette, founder of the heritage management firm Gefinéo. Furthermore, Provided, however, to be selective when choosing your SCPI.
However, as the fifties approach, professional revenues of the saver are often at their peak. He therefore does not need. in the immediate future, a complement which would, on the contrary, increase his income tax, the sums paid by the SCPIs being subject to his scale and to social security contributions.
“Price discount” – Know how invest scpi shares
The alternative is to be interested in the shares of SCPI in dismemberment. The saver only buys bare ownership, usufruct (income) returning to an institutional investor. “The ideal is to coincide the duration of the dismemberment with the retirement age. At 55. we can for example choose to recover full ownership of the shares in ten years »specifies Gilles Bellir, the director general of placement-direct.fr. The saver does not receive any income know how invest scpi shares during the period of dismemberment and is therefore not taxed. If necessary, he is also exempt from property wealth tax (IFI).
Other advantage. “The saver benefits from a discount on the price, since it only purchases bare ownership, the amount of which depends on the duration of the dismemberment”indicates Baptiste Bruneau, associate managing director of Corum L’Epargne. The discount is around 22 % for a dismemberment over five years and 35 % over ten years. “The operation is generally done cash. it is possible from 1,000 euros, but it is preferable to devote a few thousand know how invest scpi shares euros to it when approaching fifties, in order to generate a real additional income once”specifies Baptiste Bruneau.
Further reading: “The hardest part is to get started”: less than 40 years old, they change their jobs to reinvent their professional life – The European Union and the United States could conclude a commercial framework agreement this weekend, according to European officials – Local at a discount | Harvests here are popular – Is the French system more generous than elsewhere? – “This technology will change our relationship to the sea”: the incredible French water pendulum transforms waves into a reliable and durable energy source.
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