Where to invest in retirement? – SBF 120

happy seniors

Today, retirement planning can no longer be limited to simple deductions of wages. It is more important than ever to anticipate this period of life by preparing for it in advance and making wise investment choices while you are still active. Perlib.fr offers a wide range of relevant solutions.

Choose the right contact person

Faced with the many opportunities that can be offered in terms of pension investment, it is quite normal to hesitate. Therefore, we advise you to turn to a professional such as Perlib.fr, who, with his experience, will be able to assess each personal situation and offer the most appropriate solutions.

First of all, the experience of a savings specialist allows you to clarify the horizons of his investment project and save a lot of time, without getting lost sometimes in the technical curves of finding the right product. Thanks to its digital platform and modeling tools, Perlib.fr provides its clients with all the knowledge of its expert advisors to choose a “green” retirement savings plan that reflects its values ​​as a responsible company.

The most popular investment products, life insurance or PER?

If these two types of investments tend to compete in the minds of most people, they can actually complement each other perfectly, and nothing prevents you from subscribing to both formulas at the same time.

Features and benefits of PER

The PER, or Retirement Accumulation Plan, was created by the Pacte Act of 2019 and replaces the old plans (Perp, Madelin contracts, etc.). This is very advantageous in terms of taxation, as it offers the possibility of deducting voluntary tax payments of up to 10% of income and up to a maximum of 32,909 euros. You can also opt out of this subscription benefit to be able to take advantage of reduced post-retirement taxes.

And life insurance?

Extremely popular among savers, life insurance contracts are available on a variety of terms. Therefore, you can easily find the right formula for your situation. These contracts usually offer to return in capital all or part of the saved savings or turn them into a life annuity in order to provide additional income. Their tax benefits are also interesting, especially if the contract is terminated for more than 8 years.

Investing in real estate, why not dare to stone?

Investing in real estate is also a very suitable solution for a project for future retirement. There are several scenarios.

SCPI

Investing in real estate through Société Civile de Placement Immobilier, or SCPI, is about investing your money in stone, entrusting it to a management company, such as Perlib.fr, in exchange for management fees. The manager buys shares in real estate complexes, which are usually intended for rent, and regularly pays income to the investor. The cost of purchasing units is not very high, which makes this investment affordable for most.

Investment in dismemberment

Less well known, but interesting for medium or long-term investment, dismemberment is the acquisition for a period fixed at the beginning (usually about fifteen years) of property rights. This is managed by the institutional landlord, who preserves the usufruct and collects the rent.

This mechanism allows the investor to ultimately benefit from a discount (sometimes up to 40%) on the purchase price and thus become the owner at a reduced cost.

Finally, to prepare for retirement, securing your investment, it is recommended to consult a professional to remove any hesitation from the beginning.

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