Published on : 21 April 20204 min reading time
In most cases, people want their savings to grow. However, there are barriers when it comes to investing. The reluctance is understandable, but unfounded. Investing sounds to some people’s ears like a waste of money, a scam, or simply a failure. For a future saver to enjoy the benefits of his investment, he must be accompanied by a financial investment advisor.
SCPI: a secure savings investment
Investing in a real estate investment company allows you to obtain income from the invested capital over the following ten years. The principle is to invest your savings in units of SCPI of return. This allows you to hold shares in a professional property portfolio. The assets are managed and held by an entity in which you own shares. Invested in this way, your money will earn you income on a quarterly basis. The main advantage of the SCPI de rendement is that it does not generate any rental risk. The diversity of the properties managed by the SCPI and the quality of the tenants chosen are the reasons for this.
SCPI units pay generously. In addition, the value of your shares will be revalued. The amount is added to your capital as a bonus. Thus, your capital will generate a bonus that will depend on the value of the assets in the SCPI’s possession.
Investing in PERP to preserve your retirement
The popular retirement savings plan is mainly a supplement to income for retirement, but also provides a tax break. For the duration of the savings, it is possible to deduct the full amount paid, with a threshold of 10%. Otherwise, this reduction depends on the marginal tax rate or IMR. Once you have reached retirement age, you will receive an income supplement. Depending on the contract you have taken out, you can choose between different types of annuities.
Life insurance: an excellent investment alternative
Life insurance is a cost-effective way to manage wealth. This solution is flexible because the rules governing it are also flexible. This insurance responds to various forms of wealth issues, such as preparing for retirement. Investing capital over 10 to 20 years, life insurance is tax-sheltered as long as the fund is invested in the contract. The exemption also concerns inheritance tax in the event of the investor’s death.
In order to ensure the profitability of your investment, it is advisable to consult a wealth management advisor. He or she will help you to take advantage of the best benefits.
Investing within the framework of the PEA
The PEA investment solution is made for those who do not wish to invest in real estate. However, the equity savings plan allows you to obtain income net of tax over a ten-year period. The PEA is very little used, even though it has many advantages. After your first funds are invested, it is recommended that you pass the eight-year threshold before making a withdrawal. This patience will pay off by making you enjoy its fiscal maturity.
The operation and taxation applied to the savings plan in action depend on how long it has been in existence. If you make a withdrawal before the first five years of the investment, you will lose the tax benefits associated with the PEA. Thus the withdrawal by redemption will be subject to tax. If the withdrawal takes place before the 8 years, the plan will be closed, unless you decide to use the sums to create or take over a company within three months. However, if you wait long enough, beyond the eight years, your withdrawals will not result in the plan closing. Once the first withdrawal is made, you will not be able to make any more payments. The plan is not limited in time and the withdrawal can be made in a lump sum or a life annuity.