At the new pension reform, the issue of financing of
these is on everyone's mind. Indeed, the loss of income during retirement,
which is an average of 40 % today, will tend to increase in the coming decades
and whatever the occupational category to which we belong.
Now, it becomes necessary or essential to be well
prepared and as soon as possible, in order to maintain their standard of living.
For this, several solutions can be envisaged to provide income supplements
overcoming the shortfall future. We focus on two major solutions, real estate
investment and life insurance.
Investing in Real Estate
One of the first recommendations on the subject is
that it is better to have fully funded his principal residence on the date of
his retirement. Assume a mortgage during this period may be difficult or
harmful.
Property report, whether rental or investment real
estate office through SCPI may be a wise choice. Detention ensures regular
income in retirement.
About rental investment, there are now a number of
preferential tax frameworks, such as Scellier, to acquire a rental property
while benefiting from tax cuts. However, the attractiveness of these solutions
must be tempered by several factors. Indeed, for tax benefits, your property
will be rented for a shorter or longer period. Also, your property must be well
placed to be easily rented. Your tenant must be reliable and good payer. As lessor,
you will face all the problems related to property management but also to work
and other accommodation charges...
For real estate investments Scellier said, they are
usually sold as a package (management of the apartment, property management and
financing). Attention because developers are sometimes tempted to increase
their exaggerated prices for goods of poor quality and sometimes very misplaced
... Be careful...
To avoid all these problems of management, housekeeping,
you can invest in the "stone paper". You buy shares in a civil REIT (SCPI)
holding a heritage composed of business premises, offices, housing, shops or
warehouses leased to companies. It is advisable to focus on those that
distribute their investment over several buildings to reduce rental risks.
Although they are generally profitable, they are not
immune to changes in the real estate market. It reached record prices and no
one is able to predict its evolution for two decades ... Finally, liquidity is
not guaranteed, it is sometimes very difficult to sell its shares...
Life insurance
Life insurance is itself increasingly used as a tool
for preparation for their retirement to provide income supplements. Investing
in a life insurance policy in euro or euro bottom of a contract linked life
insurance allows you to grow your wealth secure way and without taking any risk.
Life insurance offers a great flexibility and contrary to popular belief your
savings remain available at all times.
You will be subject to tax on gains depending on the
holding period of your contract. In any case, in case of withdrawal after 8
years, you are taxed at 7.5% if the interest amount withdrawn is greater than 4
600 euros for a single person and 9,200 euros for a couple. This discount is
valid per calendar year for all of your life insurance.
The life insurance today remains the most profitable
investment without risk. Rates of return of the best performing contracts
remain well above inflation. In addition, for those wishing to grow their
savings and, through a multichannel contract, they have the opportunity to
invest in the stock market.
Life insurance is perfectly suited to the purpose of
collection of revenue. It offers several output options can benefit from
regular income. In fact, you can for example choose to collect interest
generated by your contract or choose the amount of regular income regularly. Alternatively,
receive an annuity, which however will cause the alienation of your capital,
that is to say that your savings will not be passed on to your beneficiaries
upon death.
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