Preparing your future and especially your retirement is not an easy thing, so investing in financial investments can be a possible solution to increase your wealth. If you are considering investing to prepare for your retirement.
Insurance investments
Among the French people's favourite financial investments, life insurance is certainly the first. Allowing a capital, exempt from inheritance tax, to be passed on or to grow, this option can also become an investment to prepare for retirement. Since you benefit from great availability and numerous tax advantages, you will be able to save a colossal amount that you can dispose of if need be.
The PRSP and Madelin Pension
The Popular Retirement Savings Plan or PRSP allows you to save a substantial amount of capital that you will be able to receive once you reach retirement age. In addition to allowing you to benefit from a tax reduction, it offers you the possibility of choosing between different annuities depending on your situation. Please note, however, that you will not be able to receive the full amount of the capital. Once you reach retirement age, you will be able to receive it in the form of an annuity.
The Madelin pension has the same functioning as the PRSP, but it is particularly aimed at self-employed workers who are not salaried employees (managers of SMEs, liberal professions, etc.). The difference between the offer and the PRSP lies in the calculation of the fiscal envelope.
The LMNP and investment in dismemberment
Among the investments to prepare one's supplementary retirement, we can also mention the LMNP or non-professional furnished rentals. With virtually zero taxation for 20 to 30 years, this investment allows the purchase of 4 types of property: hotel residences, student residences, tourist residences and EHPAD. Its main advantage; you are deductible from income tax over a period of 15 to 30 years.
In order to obtain additional earnings for a retirement, the investment in dismemberment can be interesting. You will have to become the owner of SCPI units or bare ownership, but another investor will cash in the usufruct. Depending on the duration of the dismemberment, you can benefit from a discount on the price of the property or units; dismemberment over 15 years (60% property price or 40% usufruct price), over 10 years (65% property and 35% usufruct) or over 5 years (80% property and 20% usufruct).