mes-placements.fr offers you its selection of the best financial investments to invest your money in 2021.
Where to invest your money in 2021? What are the best investments to save this year? Overview of the solutions adopted by my-placements.fr to help you find what to invest in in 2021.
SCPI performance: business real estate accessible to all
With real estate investment companies (SCPI), you invest your savings in business real estate (offices, shops, health, logistics, etc.). You become a shareholder in the SCPI managed by a specialized management company, which takes care of investments, rental management and rental distribution.
3 advantages of investing in SCPI
- The yield : on average, SCPIs generated 4.4% return before tax in 2019. For 2020, the expected average return is around 4%, which attests to the sector’s resilience in the face of the crisis. Be careful, however, this average hides significant disparities according to the SCPI: it is important to make a rigorous selection.
- Accessibility: acquiring an office building is inaccessible to individuals. SCPIs allow you to access this asset class, with reasonable entry tickets of a few thousand euros maximum.
- Diversification : a SCPI is invested in many assets, located in multiple geographic areas. It thus allows you to diversify your real estate savings on several properties, unlike a rental property investment.
How to invest in SCPI?
- And immediately: you can buy SCPI shares directly. You can also finance your investment on credit.
- With life insurance: to boost the return on your life insurance while benefiting from its advantages (flexibility, liquidity guaranteed by the insurer, more attractive taxation).
- With the PER: to boost your retirement savings with measured risk.
- In bare ownership: to build up long-term real estate assets.
Our “favorite” SCPIs
Discover our selection of SCPI
Important
The investment in SCPI (Société Civile de Placement Immobilier) is a long-term investment (8/10 years minimum recommended) which presents a liquidity risk when reselling the units and a risk of capital loss because it depends on the conditions of the economic and real estate situation and in particular on the rental and location of buildings. The Management Company does not guarantee the redemption / resale of units which is only possible in the context of direct holding (excluding life insurance) if there is a counterparty / a buyer. Neither the capital nor the yield or payment of the rents are guaranteed. In the case of debt financing, if the return on units purchased on credit is not sufficient to repay the credit or if the price falls when the units are sold, the client will have to pay the difference. Past performance is no guarantee of future performance. SCPIs bear entry fees of around 10%. Therefore we recommend that you read all the regulatory documents available on our site before making any investment.
PER: the best investment for retirement and taxes
The Retirement Savings Plan (PER) represents a real asset management solution, to prepare for your retirement but also to reduce your taxation.
3 advantages of PER
- Tax deduction of payments: the sums paid into a PER are deductible from your taxable income, within the limit of your retirement savings limit. They thus generate a tax saving of 30, 41 or 45%, depending on your tax brackets.
- The capital exit: unlike the old retirement savings products (PERP, Madelin), the PER allows you to unlock your retirement savings in capital, in one or more installments. You can also choose to take out annuities or a combination of annuity and lump sum.
- The release of savings for the purchase of the main residence: before retirement, it is possible to unlock part of your savings to finance the purchase of your main residence. Exceptional release cases are also provided for in the event of an accident of life.
How to invest in a PER?
You must open a Retirement Savings Plan, such as one of those offered by mes-placements.fr. You can also open a PER when transferring savings placed on old retirement savings products (PERP, Madelin in particular).
Discover the PER in 3 minutes
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Life insurance: a Swiss army knife that adapts to your projects
Life insurance is a flexible envelope for your savings, which allows you to benefit from many advantages.
3 benefits of life insurance
- Flexibility : your savings remain available, with the possibility of making partial redemptions without terminating the contract, and you save as you see fit (free payments, scheduled payments per month, quarter, etc.).
- Attractive taxation: life insurance benefits from lower taxes than most savings products. After 8 years, you benefit from tax reductions on redemptions: up to € 9,200 in exempt interest per year for a couple (the capital is never taxed).
- Preparation of the succession: the beneficiaries designated in your contract are not taxed in the context of the succession up to € 152,000 per beneficiary for payments made before age 70. For payments after 70 years, interest is fully exempt.
How to invest in life insurance?
By opening a life insurance contract with mes-placements.fr, you can invest in funds in euros among the best on the market as well as in a wide selection of Units of Account, not guaranteed in capital. Units of Account allow you to diversify your savings (real estate, equities, funds specializing in technology, gold, etc.) in order to seek more returns on your life insurance.
The advice of mes-placements.fr
Many contracts charge entry fees when you invest in life insurance: for every € 100 invested, only € 97 are actually invested with an entry charge of 3%. Savers are thus strongly penalized, all the more so in a context of weakened returns, since it will take several years to absorb these costs.
We therefore recommend that you opt for contracts without entry fees, to save under the best conditions.
Discover our life insurance contracts
Funds in euros: savings available and secure
The return on traditional euro funds has diminished over the years. But they retain an interest in the context of life insurance and PER, thanks to their liquidity and capital protection.
3 advantages of the euro fund
- Liquidity: savings placed in the euro fund of a life insurance contract remain available at all times. It can also be easily moved to potentially more profitable units of account (UA).
- Protection : the capital benefits from a guarantee, which varies according to the contracts and the conditions set by the insurers. The interest produced over the years is acquired, thanks to the mechanism of the ratchet effect.
- The yield, higher than the Livret A: despite the drop in rates, the euro fund continues to earn more than the Livret A (0.50% in 2021).
How to invest in funds in euros?
Funds in euros are available in life insurance contracts, PER (insurance version) and capitalization contracts.
Advice for your 2021 investments: get support from specialists
Many savers invest their money without the benefit of sound advice. They are penalized in many ways:
- They pay high fees, such as entry fees on life and PER insurance;
- They only access “house” bank investments;
- The proposed investment is not in line with their project, their profile, their investment horizon;
- Investing is poorly explained to them and they lack crucial information to know what they are investing in.
This is why it is essential to call on savings specialists. With my-placements.fr, you benefit from such expertise, thanks to:
- A team of advisers specializing in wealth management, available to answer your questions by phone or email. Our non-commissioned advisers support you in your project to help you find the right investments, adapted to your situation and your objectives;
- Savings products selected by my-placements.fr from insurers and management companies, with fees negotiated upstream to allow you to benefit from the best conditions for your savings.
The analyzes and comments appearing in this article do not constitute any commitment or guarantee of mes-placements.fr/Finance Sélection. Investors remain fully in control and responsible for their investment choices and their suitability for their financial and personal situation. They recognize that they assume and bear all the financial risks associated with their investments. The investment in SICAV / FCP / SCPI / EMTN… does not involve any guarantee, neither of remuneration nor of capital.
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