Savings: “What investments favor retirement to create a supplement of income?”

In the “big savings meeting” (capital / radio heritage), Sarah Le Gouez, secretary general of the circle of the Savings, responds to a freshly retired listener who seeks adapted investments to build up a regular additional income.

Capital video: What investments favor retired to generate an additional income?

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Each month, the “big savings meeting” (capital / radio heritage) answers your questions in the “your questions, our answers” sequence. Our experts – notaries, taxpiens, heritage advisers – accompany you on all your money questions. Today, Philippe, 63 and young retiree, wants to know the best supports to generate an additional income.

For Sarah Le Gouez, secretary general of the Cercle de l’Epargne, two products stand out: “Life insurance and the retirement savings plan (PER). Life insurance makes it possible to invest in the long term, with the possibility of perceiving the sums invested in the form of capital or annuity. The PER, dedicated to retirement, offers the same exit options: capital, rent or split capital. ”

SCPIs are also an option to receive regular income

Another planned track: SCPIs (Civil Real Estate Placement Companies), which make it possible to receive rental income without directly managing a property. “”They can constitute an interesting placement to generate regular income ”says the expert, “As long as you balance your wallet between dynamic investments and more secure products”. It also recalls that certain products offer security mechanisms: “The PER offers controlled management on horizon, which gradually secures savings as retirement approaches. For its part, life insurance – with the Euros fund – allows for a relatively remunerative investment and with guaranteed capital. ” In conclusion, a mix between life insurance, PER and possibly SCPI can allow Philippe to receive additional income while adapting his level of risk to his pensioner situation.

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A question about your investments, a succession, your taxes or your real estate investments? Each month, we select several and submit them to our experts who will enlighten you on all the subjects that affect your money. To ask them your questions, an address: [email protected]