Why close your life insurance in euro funds?

Life insurance contracts in euro funds returned an average of 1.08% last year. It is very little and it is a good reason to take the plunge and part with this investment. However, this is not the only reason to give up this investment which is no longer successful. It is therefore better to give it up by turning to real estate investment companies or SCPIs.

The main reason that prompts savers to close their investment contractslife insurance in euro funds is the low return on their savings. With just over 1% per year, this investment has lost its luster. His compensation is even likely to cross the percent mark down in 2021.

It is also important to remember that life insurance contracts in euro funds are less secure than they appear. As Laurent Fages, senior consultant at La Centrale des SCPI reminds us (www.centraledesscpi.com), the first French digital savings network: “Nothing says that the public authorities will continue to preserve the savings made on life insurance contracts in funds in euros. Internet users are also aware of this possibility and that is why they are calling us overwhelmingly. at 01.44.56.00.23. “

Indeed, how many savers know exactly the composition of their life insurance contracts in euro funds? Maybe none… This is not the case with SCPI which are very transparent due to their authorization issued by the Autorité des Marchés Financiers (AMF).

Invested only in tertiary real estate (offices, shops, business premises, warehouses, real estate related to health, etc.), SCPIs are in touch with the real economy. They make it possible to buy assets, both in France, but also in and outside the euro zone.

Above all, with a performance of up to 6% in 2020 for the best SCPIs, the purchase of SCPI shares is much more profitable than the subscription of a life insurance contract in euros. The aforementioned performance is easily accessible to Internet users thanks to efficient and completely free SCPI simulators. It is very reasonable to think that this very important compensation will be repeated in 2021.

It is therefore fundamental to invest part of your assets in SCPI shares in order to increase your purchasing power and increase it.

It is certainly possible to analyze all of the 206 SCPIs on the digital stone market. This is not the best solution, however. The latter is to have recourse to specialists in the matter acting in total independence.

“Among the performance SCPIs that we recommend currently include the SCPI Activimmo, the SCPI Vendôme Régions and the SCPI PF Hospitalité Europe. These three SCPIs can be mixed, especially since they all returned more than 6.00% in 2020. This was moreover the choice of one of our clients who arbitrated his life insurance contract of 150,000 euros to turn to SCPI “ says Théo Darroman, senior consultant at La Centrale des SCPI, the leading French network.

The Activimmo SCPI, managed by Alderan, is undoubtedly one of the best SCPIs. It stands out for its positioning in a niche market, namely logistics real estate. Only invested in France for the moment, it is benefiting from the rise of e-commerce which is taking more and more place in our lives.

Another SCPI yield to have brought in more than 6% last year, the SCPI Vendôme Régions, managed by Norma Capital, is also a 100% France SCPI whose physical (TOP) and financial (TOF) occupancy rates are 97%. It is a very diversified SCPI with 67% office buildings, 19% shops and 14% business premises.

Finally, the SCPI PF Hospitalité Europe, managed by Périal Asset Management, is a very recent asset shield that saw the light of day at the end of 2020. It aims to build up a portfolio made up of real estate located in the euro zone for hospitality use, that is, i.e. real estate related to health, education, accommodation and hospitality

In order to take a date of what the future of life insurance contracts in euro funds may be, it is wise to close the one that you have taken out so as not to take unnecessary risk. It is therefore necessary to act in full knowledge of the facts by buying units of performance SCPIs which have already attracted more than a million French people, proof of their appeal.

The SCPI has nothing to envy life insurance as regards the transfer of assets. Indeed, in addition to its attractive yield, it also allows to optimize its succession and neutralize the taxation thanks to the technique of the dismemberment of property. A good plan to deepen with a specialized expert.

Obviously, like any investment, SCPIs must be selected with the greatest care under the aegis of consultants whose sole profession is. It’s hard to find better than La Centrale des SCPI whose consultants, available at 01.44.56.00.23, can give you all the tips for placement, guide you through the SCPI sheets and among the SCPI rankings.

Discover in video the ranking of the best SCPI 2021:

Investment in a SCPI is not guaranteed, both from the point of view of dividends received and that of capital preservation. SCPIs depend on fluctuations in the real estate markets.

Before any decision to buy SCPI units, seek professional advice to be sure that this investment matches your wealth profile.

Finally, like any real estate investment, take into account that SCPIs are long-term investments whose minimum holding period cannot be less than eight years.