OUR ADVICE – Many savers turn to the real estate supports available in life insurance. Some rely on civil real estate companies (SCI).
You have no doubt noticed it if you hold a life insurance contract: the return on funds in euros is drastically reduced. “From 5% twenty years ago, it fell to 3% ten years ago and it now fluctuates around 1%, remarks Jérémy Schorr, commercial director of the broker Primaliance. Remuneration has been divided by 5 in twenty years.”
To improve the performance of their contracts, many savers are turning to real estate supports available in life insurance in the form of units of account (UC). The most common are real estate investment companies (SCPIs) and, to a lesser extent, real estate collective investment organizations (OPCIs). Recently, a third category has emerged: civil real estate companies (SCI), sometimes also called SC, for civil companies.
1. What assets do SCIs invest in?
Unlike SCPIs, which must hold real estate directly, and OPCIs, which are forced to keep a financial pocket…