The units of civil society investment in the real estate allow you to avoid some of the hassles of a real estate investment. But they are not appropriate for all investors.
If you are looking to build up a savings, real estate is an option to consider. This asset class being the only accessible credit, you can invest at a lower cost by financing your purchase with a loan a little expensive, thanks to historically low interest rates. Despite a tax system fairly unattractive, the investment has a return fairly interesting in comparison to the financial investments. in On the other hand, it presents a black point : if you start with an investment in direct, become a landlord is not improvised. In addition to the rules more stringent and complex, you will be responsible for the maintenance of your heritage and also the potential risks of hiring (vacancy of accommodation between two tenants, non-payment of rent, the work of co-ownership contingency fund...).
An alternative solution
in order To invest in spite of everything in the stone, there is a solution : buy shares of REITS (civil Societies, investment in real estate) performance. Their managers raise funds from individual investors and then buy with the capital thus constituted property in the commercial real estate (offices, shops, car parks, warehouses...).
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The shares of REITS are very accessible : a few hundred € are enough to start such an investment. In addition, a large majority of them can also be bought on credit, as an investment live. Finally, as these products are managed by professionals, you are entirely clear of the worries of property management. Even better, you touch regularly a share of the rents received by the REIT. Last advantage : it is a product particularly cost effective, since last year, the average REIT yield reported 4,40%, compared with 4,34% in 2018.
what are the profiles of investors are addressed ?
Invest in shares of REITS returns to hold, indirectly, a real estate property managed. These investments are therefore aimed at two types of investors.
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first those who already have a heritage in stone and would like to diversify. As the REITS yield to invest in commercial real estate, they represent the perfect solution for this. Indeed, the economic cycles of the real estate housing and the one designed to help it professionals do not evolve in the same way. In the case of a air hole on one of the two markets, the one will serve, therefore, to"shock absorber" to the other.
The REIT has also proved to be an interesting solution to the "primary investors". In fact, as they are managed by professionals, their heritage is diversified both geographically and by industry. They are therefore the ideal product for those that start the constitution of a heritage in order to prepare for their retirement.
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what are the goals ?
The PCSI performance are investments whose purpose is to distribute a regular income. They are therefore addressed rather to investors who wish to maintain their level of resources either immediately if they have purchased these shares with their cash ; or in the future, if they have made the purchase via a credit. In this case, the monthly instalments will be repaid with the income of the REIT.
In the same way, they are interesting for people who are preparing for their succession, provided to be housed in life insurance contracts or capitalisation.
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On the other hand, they are rather unsuitable for investors who want to achieve strong capital gains in the short term. And should be considered only as a product of diversification, and as such do not represent more than 20% of your heritage. To the extent that, even if the overall liquidity of this investment has been improved over time, an investment in shares of REITS does not have the same liquidity as that of financial products. Before purchasing units, you must therefore first have a savings already incorporated in which you can tap in case of hard blows.