Reading time survey: 1 min reserved for subscribers to boost the performance of your life insurance by limiting risk taking, betting on real estate is indicated. Provided you choose remunerative media and the right contract. © Illustration Capital generated using the backup safeguarded Receive life insurance alerts 6%, 7%, or more. It is the great promise of civil real estate investment companies (SCPI), which buy a housing stock (offices, shops, warehouses, residential, etc.), praise it and transfer the rents to the partners (you) each month or quarter. Main drawback for subscribers: a very heavy taxation. Dividends (rents) are indeed subject to the same regime as property income – social security contributions of 17.2% and tax tranche ranging from 0% to 45%. Hence the interest in subscribing to SCPIs within your life insurance contract, according to Pierre Garin, director of the real estate center of the Linxea broker: “For people with a high taxation section, this makes it possible to escape the taxation of property income, especially beyond 8 years.” Home house SCPI shares in your life insurance therefore makes it possible to soften your taxation, and thereby boost the yield of your contract. But all SCPIs, especially in the context of life insurance, should not be recommended! It is still necessary to choose the best and that they are referenced by your insurer. Our selection (see our table), made with the investment shop from several criteria, can make your task easier. Also read: Maximize your life insurance: the best investments between scholarship, bonds and real estate yields, costs, rents donated … So many elements to be scrutinized by Nearly, the distribution rate (TD, yield equivalent for SCPI) is a key indicator, with a maximum of 7.50% in our selection for the SCPI Remake Live in 2024. and 0.6% for the most competitive, even zero for Corum Life. Also looking at the SCPI subscription fees, on which it is not uncommon to obtain a small discount. “On the Liberalys Vie (Apicil) contract, the subscription costs of the EPSILON 360 SCPI are lowered to 3.55% instead of 5%,” illustrates the founder of the Placements Boutique, Raphaël Oziel. Read also: SCPI: End of the crisis and good deals in perspective? Our advice to invest in 2025 Another element to take into account: the percentage of the rents that are donated to you. “If you are investing in SCPI in life insurance, it is the insurer who holds the shares,” recalls Pierre Garin. It is therefore he who chooses if he gives you all the income of the SCPI or only 85%, the minimum authorized. Finally, the time of enjoyment-the gap between the date of subscription and the perception of the first dividends-SCPIs can be reduced on certain contracts. This is for example the case for SCPI Iroko Zen on life insurance Absolute version 2 of Spirica (enjoyment from the 1st month following the subscription against 4 months excluding life insurance) or Epsilon 360 on the Liberalys life contract (2 months of delay instead of 4). >> Our service – To help you choose the best SCPIs, benefit from free expert advice thanks to our partner receive our latest news each week, the flagship items to support your personal finances. (tagstotranslate) life insurance
