A still-secret, but fast-growing short-term investment: real estate crowdfunding
From a short-term perspective, the solution of participating in a real estate crowdfunding operation should not be neglected. This type of investment, close to the issuance of bonds in its operation, is booming.
Specifically, it is a remunerated loan system: the private investor contributes an amount, the entry ticket generally being 1,000 euros. Like all the other co-investors, he is then remunerated, once the real estate project in question has been completed, at a rate known in advance, on average around 9%. Certainly, this very high profitability is accompanied by a risk, that of loss of interest, or even capital. This is the case if the project is not successful, in case of bankruptcy of the company, for example. However, the default rate, according to the 2021 FundImmo/Hellocrowdfunding barometer, was extremely low in 2021 at 0.09%.
To make a real estate crowdfunding investment a reality it is very simple, all you have to do is register on a crowdfunding platform, some of which are also entirely dedicated to real estate investment “by the crowd”. So it is necessary to select a project there, for example, the rehabilitation, by a real estate agent, of a place with a view to building houses there, with a cut-off sale.
The applicable taxation is the same as for dividends or capital gains on transferable securities, that is, a Single Withholding at a Single Rate of 30% (12.8% for personal income tax and 17.2% for social contributions).
A medium-term investment: the PEA
The PEA (Plan d’Epargne en Actions) is a perfectly suitable medium for medium-term investment, at least five years. A French specificity, the PEA shares common characteristics with the ordinary securities account, but it differs from it mainly in three fundamental aspects: the securities that can benefit from it, the maximum limits of liquidity contribution and the fiscal framework.
“European” shares are eligible, in a very specific sense: these securities must be shares in the capital of companies that have their registered office in the European Union or in a State of the European Economic Area (EU + Iceland, Norway and Liechtenstein) , and subject to corporation tax or an equivalent tax under common law conditions.
There is a payment limit of €150,000 per PEA, or €300,000 for a married couple or PACS. It is the accumulation of cash payments made since the opening of the envelope by the saver.
To open a PEA, again, the operation is simple. You just have to approach your financial intermediary, your bank for example. The cash entry can be made in a single block at the opening, and/or at various times, regularly or not.
The fiscal framework of this medium-term investment is particularly advantageous. In the event of closure, or withdrawals after five years of holding the PEA, capital gains are only subject to social security contributions, that is, 17.20%, compared to 30% in the ordinary securities account. However, the PEA can be closed at any time in its life, but if this occurs before the 5-year threshold, any capital gains are subject to the PFU (30%). In addition, any withdrawal during the first five years results in the automatic closure of the PEA. Therefore, it is advisable to carefully question the possible cash needs one may have over the next five years before opening a PEA, which, in exchange for some regulatory “restrictions”, entitles one to a valuable tax advantage.
The essential long-term investment: the PER
Preparing for retirement must begin before taking it… Behind this platitude lies one of the most important secrets for savers. The sooner he prepares himself in his working life, the more comfortable the conditions for retirement will be. Because retirement is often accompanied by a significant loss of income. The most appropriate means for this anticipation is clearly the PER (Retirement Savings Plan), which entitles you, once at the time of retirement, to payment of capital, to a life annuity (periodic payment until death ), or a combination of the two. .
Specifically, the saver, without age limits or professional situation, chooses with his financial intermediary, in the case of managed management, funds in euros or an investment formula (defensive, balanced or dynamic). Then, until his retirement, he pays whatever amounts he wants, on a recurring basis or in blocks. And this without any payment limit.
There too, a decisive fiscal advantage characterizes the Retirement Savings Plan. The amounts paid can be declared in the income statement, in the deductions section. These sums (accumulated payments in the year) are deducted after the taxable income of the corresponding saver or household, within the limit of a ceiling.
A complementary solution to study: cryptocurrencies
If playing cryptocurrency trader can be dangerous, this type of asset, while difficult for a large segment of investors to grasp, should not be dismissed out of hand. Cryptocurrencies can be a good alternative, an idea to diversify your investments, even in the long term. As long as, of course, you find your way through the jungle of these cryptocurrencies, whose number flirts with 20,000…
A brief reminder of the concept: a cryptocurrency (Bitcoin is one example among almost 20,000), is based on what is called a chain of blocks, the equivalent of a ledger, where all operations are listed. The security of transactions is guaranteed by the use of cryptography, that is, the encoding of information. Beyond this common core, each cryptocurrency has its own characteristics and evolves in the market, just like the pound sterling against the dollar, for example.
To buy and trade cryptocurrencies, all you have to do is open an account on a platform that allows access to “cryptos”, i.e. an exchange platform, quite similar in form to an online stockbroker. . Then it is up to you to identify the most promising cryptocurrencies.
On the tax side, the framework is now very clear. Capital gains from the sale of digital assets are taxed at the same rate as income from movable capital, that is, the single flat rate (flat rate of 12.8% to which must be added 17.2% of social charges), that is, 30%.
In one word…
As always, before investing, you must know how to clearly define your objectives, plan your strategy, identify your needs, in short, question yourself as an investor and as a saver. Each time horizon, in the short, medium or long term, corresponds to a support that adapts better. After the time for questioning comes the time for the realization of the investments, and the analysis of the best products by category.
This content was produced in association with Finance Héros. The BFM Business editorial team was not involved in the production of this content.
Source: BFM TV
