How to integrate SCPI into life insurance
SCPI and life insurance
The majority of people are looking for the best placement. They realize that to ensure a better financial future and secure its heritage, it is essential to place your money. Live insurance, real estate and business actions are interesting investments.
However, to ensure optimal profitability, it is always possible to combine various investments in one. Moreover, the trend this year could be the SCPI Assurance Life Association. This option has many advantages. Moreover, life insurance and SCPI occupy a place of choice in the hearts of individuals.
SCPI: Is it a good placement?
In just a few years, these two investments attracted a large number of French. SCPIs have seduced investors who have decided to engage in the acquisition of real estate title account. They do not have to worry about the expenses and obligations of a traditional lessor as the maintenance of the premises. Currently, the choice is very broad in terms of investments.
As for life insurance, it remains the preferred placement of individuals. Certainly, it does not offer high efficiency, but nevertheless has various tax benefits. The association of both can therefore be very advantageous. It also makes it possible to take advantage of the attractiveness of the life insurance and performance of the SCPI.
Place SCPI shares in life insurance is relatively simple
A form from the bank is sufficient. The investment will work in various ways. The simplest way is the direct purchase. The owner will then hold the securities accounts directly. Thus, he can perceive the revenues directly. However, to integrate a SCPI into an insurance, the indirect purchase is the best option. In this case, it will be necessary in this case to insert the title account into another title which will be life insurance. Investment income will no longer be donated directly to the owner, but to the bank.
In addition, investors will benefit from the tax benefits offered by insurance in this type of investment. It will be possible to benefit from an abatement of about 15%. After 8 years of detention, the redemption of the life insurance contract is still possible. A social reduction of 45% will then apply to the incomes of SCPI.
Pay more fees or pay less taxes?
Buying SCPIs through life or live insurance forces investors to ask an important issue. They must choose between paying more fees or less taxes. Live purchase considerably reduces costs, but taxation is quite high. The marginal tranche of tax determines the value of the tax. The SCPI are therefore less profitable in the case where the tax rate is important. However, taxation is lightened with life insurance. There are only removed gains that are taxable.
Thus, life insurance is the best option from a strictly fiscal point of view. However, contract management fees can be considerable in the long term. This could have an impact on profitability.
Who can enjoy this combination?
Life insurance is not the best alternative for non-taxable people. The most suitable option for this category of investors would be live SCPI. This is also valid for taxpayers imposed at the relatively low rate.
Persons imposed at 30% should take into account the contract management fees. Combine SCPI and life insurance is made for taxpayers taxed at 41%. Indeed, with this type of placement, they can perfectly optimize their profitability with the tax deduction. In addition, during successions, tax benefits are also applied. In short, you will be a winner, if you have a high tax rate, as this will be amortized by the tax deductions offered by life insurance.
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