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Your real estate savings solutions

What is an SCPI?

A saving solution which aims to redistribute its revenues to its participants

An SCPI (real estate investment trust) owns a number of properties which are leased out to professionals: offices, retail outlets, hotels, clinics, retirement homes, ... or private individuals: housing.

The reception of potential rental amounts generates returns which become revenue payments (dividends) made to each participant as a pro-rata of their investment in the SCPI.

After five years of ownership the SCPI can sell certain real-estate assets which may generate gains which will then be distributed to the associates. Losses may also occur.

SCPIs receive an authorisation from the Autorités des Marchés Financiers (Financial Markets Regulator) although this does not constitute proof of any sort of investment opportunity. The associates will receive copies of all documents related to their investments from the SCPI (information notices, annual reports, etc.).

Fonctionnement SCPI

How to subscribe to an SCPI?

Directly

o direct payment
o on credit (loan interest deducted from your property income)

Investing with credit involves certain risks: a loan agreement is a commitment by the subscriber and must be repaid. Please ensure that you will have the necessary liquidity before making such a commitment. The subscriber must not rely solely on the income from the SCPI to meet their repayment obligations, considering the unpredictable nature of such an investment.

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By way of a life insurance contract as Units of account

Advantages:
o tax benefits for life insurance policies
o life insurance contract liquidity
o more diverse allocation

Risks:
o additional life insurance policy charges
o exposure to property market risks

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Through the temporary division of ownership

By dividing the full SCPI ownership into bare ownership and usufructuary. Participant A therefore becomes the bare owner whilst participant B purchases the usufruct in order to make a medium-term treasury investment.

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What is the minimum subscription amount?

A few hundred euros are enough to subscribe to SCPI units. And you can invest on a one-time or regular basis. Making scheduled payments to Primonial REIM France means investing in SCPI according to your needs and your savings capacity, on a regular basis and at your own pace. This allows you to gradually build up your real estate savings and adapt your savings efforts to your income and personal situation.

What are the fees associated with SCPIs?

The associate pays a subscription fee when purchasing his units, and then an annual management fee. The subscription fee is included in the subscription price and the management fee is deducted from the rents received before the payment of potential income.

The subscription fee covers collection costs, in particular the preparation and execution of capital increases, and the placement of SCPI units linked to the intermediary activity of the distributors, as well as the costs of studying and executing investment programs.

The annual management fee covers the management of the company's assets, the administration of the SCPI, the information of the associates, the collection of rents and all ancillary income (pre-rentals, occupancy or other indemnities, penalties and interest on arrears, taxes recovered from the tenants, etc.), the management of the treasury and the distribution of profits. In addition to this, there is a commission on the sale of shares, acquisition or sale of assets.

Find out more about the fees of Primonial REIM France solutions:
​​​​​​​Discover the SCPI fees

What are the advantages of investing in SCPI?

1

You receive potential quarterly dividends in proportion to your investment, if any.

2

Primonial REIM France handles all the management, for a fee.

3

Your capital is potentially enhanced over the long term.

4

By indirectly co-owning several assets at once with other partners, the risks are mutualized.

What are the risks of investing in SCPI?

SCPI: a long-term investment which involves risks

1

INVESTING IN SCPI SHARES INVOLVES RISKS SUCH AS LOSING ALL OR PART OF ONE’S CAPITAL;

2

THE LIQUIDITY OF THE SCPI SHARES IS NOT GUARANTEED BY THE MANAGING COMPANY;

3

THE SCPI IS SUBJECT TO PROPERTY MARKET RISKS, THESE MAY HAVE A NEGATIVE IMPACT ON THE VALUE OF THE ASSETS OWNED BY THE SCPI;

4

SCPI REVENUES MAY RISE OR FALL AND ARE NOT GUARANTEED.

5

INVESTING IN SCPI SHARES SHOULD BE SEEN AS A LONG-TERM PLAN. THE RECOMMENDED INVESTMENT PERIOD IS TEN YEARS.

Before subscribing in SCPI shares, the investor must receive copies of the information notice, the statutes, the DIC, the subscription notice, the most recent information bulletin and the most recent annual report. These documents are available from the management company.


 

When will I receive
my potential dividends?

The first potential dividends are received at the time of entitlement.

The period of enjoyment is the time lag between the date of subscription of the SCPI units and the date on which the units begin to generate income, if any.

You will be able to find the date on which Primonial REIM France's SCPIs become available for sale on the brochure of each SCPI.

Then the potential dividends are collected quarterly.

SCPI real estate savings investment

How long should I keep my SCPI units?

SCPIs are long-term investments. The minimum recommended duration is 10 years.

Why invest in a Primonial REIM France SCPI
(REAL ESTATE INVESTMENT TRUST)?

Primonial REIM France is the market leader for SCPI with an annual collection volume of over €3billion and €7 billion in SCPI capitalisation at 31/12/2019. The SCPIs managed by Primonial REIM France are a reflection of its management team’s convictions concerning the various target markets: offices, health and education property, retail, residential and hotel trade.
By buying Primonial REIM France SCPI shares you will become an indirect property owner alongside a number of other participants and consequently you will benefit from:

  • The chance to access themed SCPI that prioritise healthcare, education, office or domestic residential properties.
  • A large choice of SCPI covering different real-estate sectors and geographical zones for a more diverse property asset allocation.
  • Mutual risks since the investments are in properties of different types in various geographical zones and with diverse tenant profiles.
  • Easier real-estate holding management since it is Primonial REIM France that purchases the properties for the SCPI, manages the leaseholds and manages the properties.
SCPI real estate savings investment

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