Usually in December, individuals are interested in investing, which must be made before 31/12 to reduce their tax due next year. But subscribing in the spring when you’ve just completed your tax return can be interesting, especially since some funds sold last December are still open. This will reduce the blocking time. This applies, for example, to FCPI Dividendes Plus 9, the 9th opus in the FCPI series, which features the lowest fees and excellent performance, as well as a 25% reduction in investment.
Tax carrots and reduced restrictions
Investing in FCPI, a tax-exempt product, enables its subscriber to benefitreduction of income tax in the amount of 25% * of its investments is in the range of € 12,000 for a single person and € 24,000 for a couple, ie a maximum potential tax reduction of € 3,000 for a single person and € 6,000 for a couple.
In 2020, the Finance Act decided to increase the reduction rate from 18% to 25%. But this decision only applied to subscriptions made before December 31, 2020. As last year, the government had to pass a new decree to extend this system until December 31, 2022. At the same time, France had repeat your request to the European Commission. Ironically, the European Commission did not object. The order came into force on March 18 and stipulates that the increase in the tax rate from 18 to 25% applies to payments made from March 18 to December 31, 2022.
Behind this tax advantage is the view that a blocking of repayments.
But if FCPI and FIP are traditionally valid for 7 or 8 years or more, FCPI Dividendes Plus № 9 has a maximum blocking period of 6 years. One of the shortest terms on the market for this type of investment. Indeed, unlike many funds sold on the market, the management company does not provide for a renewal period.
How can this shorter duration be explained? FCPI mainly invests in SMEs listed on the stock exchange therefore offer more liquidity and facilitate the resale of securities at maturity.
Moreover, the annual management fee is simpleare the lowest on the market, at 2.50%! Throughout the life of the fund, the management company reports that these fees are 17.4% maximum all inclusivewhere market-based FCPIs have a commission that averages around 30%. In other words, almost twice!
And entrance tickets? What are the entrance tickets? Going through Meilleurtaux Placement, your investment in FCPI Dividendes Plus № 9 will be free. 0%. We can’t do better! The effectiveness of the fund is also in fees!
Dividends plus № 9: 100% online subscription
Faster access to funds
Another advantage of subscribing now is saving time compared to subscribing at the end of the year. The average FCPI blocking period is 8 years.
If you wait until the end of 2022 to subscribe, your capital will be blocked for about 8 years, so until 2030. If you look closely, you can find a FCPI with a shorter duration, 2029 or, at best, December 2028.
But now you still have access for a few weeks to the funds that opened last year. This way, you get one year compared to a year-end subscription.
This is especially true Dividends plus №9which was opened for subscription last year, p the maximum blocking period is 6 years. Thus, the fund will be blocked no later than December 31, 2027. That is, the blockade has been reduced to 5 and a half years for investments made in 2022.
FCPI Dividenddes Plus № 9 will finally end with a subscription in a few weeks. It will no longer be available in December 2022 and at that time you will not find funds with a lockout period of up to 5 years.
Subscribe to Dividends Plus № 9
Support tricolor innovations
Investing in FCPI Dividendes Plus № 9 means, above all, supportgrowth of French nuggets. The invested funds will be used to finance innovative SMEs, support their development and, thus, provide them with all opportunities for growth.
They are carefully selected, in particular, in accordance with criteria of maturity, profitability, development potential and their ability to pay dividends. The decision to pay dividends indicates the confidence of management in the company’s growth prospects.
Innovative industries, medical technologies, digital, etc.the amount of investment of the management company is based on sectors that are considered dynamic.
Among the twelve industries selected by BPI France and the Ministry of Industry as innovative and strategic at the national level are the energy industry, the naval sector and materials. In this area, FCPI Vatel Capital took a special part in the development companies specializing in plastic injection, development of agricultural methanization plants, biofuel production and transshipment systems for port infrastructure.
In the healthcare sector, an emerging sector that is undergoing rapid technological change with the development of digital technologies, intelligent connected tools and telemedicine, FCPI Vatel Capital has been particularly involved in the development of small and medium-sized businesses in the following sectors: spinal implants, medical imaging, diagnosis and treatment of allergies, innovative therapy in oncology
Finally, in the digital sector (mobile Internet, cloud computing, connected facilities, robotics, etc.), FCPI Vatel Capital has already participated in the development of small and medium-sized businesses in the following sectors: automatic management of large databases, business software, cloud computing and internet marketing performance.
A solid track record
FCPI Dividendes Plus № 9 is the 14th FCPI sold by Vatel Capital. And history claims in favor of the management company:
Of the 10 canceled FCPI, 9 showed positive results excluding tax benefits.
In addition, below you will find the results of FCPI operations under management as of September 30, 2021 (November 30, 2021 for FCPI Dividenddes Plus 5):
We remind you that past performance is not a guarantee of future results.
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* Instead, your money is blocked for a maximum of six years, ie until December 31, 2025. Mutual investment fund in innovation, a category of risky mutual investment fund, is mainly invested in innovative companies that pose specific risks; therefore, your investment is not guaranteed and poses a risk of capital loss.
** Past performance is not a guarantee of future work. You should know about the risk factors of this investment fund, described in the section “Risk profile and rewards” of the Regulations.
Finally, AMF approval does not automatically mean that you will benefit from the various tax measures provided by the management company. This will depend, in particular, on whether the product complies with certain investment rules, the length of its storage and your individual situation.