Several products make it possible to achieve this objective, each with their strengths and specificities:

1) Acquisition of his PR
The first advice that we could give to a person wishing to prepare for his retirement, is first of all to acquire his main residence, so as not to suffer disappointments due to a possible increase in rent.

2) The retirement savings plan
In addition, the best investment you can make in order to optimize your taxation is the PER. This tool allows you to tax deduct all the sums you pay into the contract. Thus, the higher your marginal tax bracket, the greater the interest in subscribing to the PER. This tool is simply the envelope, the mechanism. It will then be necessary to select funds, in order to create an adequate allocation according to its objectives and its risk appetite.

3) The performance SCPI
On the same level as the PER, we strongly recommend the SCPI to all people wishing to best prepare for their retirement and compensate for their future drop in income. Why SCPI? Dividends paid monthly or quarterly, to create additional income for retirement. Interesting revaluation potential. But above all, optimal management comfort. Unlike a property held directly, the investor has nothing to do, and the return is often even better because the investments of the SCPI are made in professional real estate. Thus the SCPI is one of the best current mechanisms for retirement.

Moreover, this investment has a big advantage, that of being made on credit. Indeed, with the SCPI, we remain in real estate. We have several financing offers from different partners. Credit leverage is very relevant in order to build up wealth, with low monthly investments.

4) SCPI in bare ownership
For high taxes, the interest of the SCPI of return in full ownership is greatly reduced. Indeed, they are taxed at the level of their marginal tax bracket on the dividends paid by the SCPI. To compensate for this higher taxation, we favor the SCPI splitting mechanism. And more particularly by acquiring the bare ownership of SCPI. The investor will benefit from a discount on the price of the share, of between 15% and 50%, depending on the duration of the stripping chosen. The SCPI will itself take care of finding the consideration, namely the usufruct. At the end of the chosen dismemberment period, the investor will recover the usufruct of his SCPI shares and will therefore hold full ownership. His investment will therefore begin to generate income.

As you will have understood, the idea is that the period of dismemberment be established according to the retirement age. Thus, the investment would only begin to generate dividends when the investor retires.

5) Life insurance
Life insurance is also an excellent way to capitalize and anticipate retirement. However, in order of priority, it will come after the retirement savings plan and the SCPI, which are more suited to this particular objective. But life insurance allows you to benefit from very advantageous tax advantages on the capital gains generated, when the contract has been held for more than 8 years. Hence the interest of opening the contract as soon as possible. Like the PER, life insurance is only the “envelope” containing the capital, invested in different funds. The allowance will also have to be adapted to your profile.

6) Funds at Horizon
Another choice that one could make, the funds at Horizon. It should be noted that these funds can be housed either in insurance contracts (life insurance, PER) or in a securities account. Funds at Horizon are invested in all asset classes, according to the manager's choices. The principle is that these funds have a defined horizon. For example, for a Horizon 2030 fund, the remaining life of the fund is 8 years today. The advantage of investing in this type of medium is that the fund will not seek to outperform a market index, but simply seek to optimize its return, by gradually reducing the risk of the portfolio until the 'horizon.

For any additional information, do not hesitate to contact one of our wealth advisors on +33 1 45 03 80 96.