According to the data published in early February by the National Federation of Real Estate (FNAIM), the French rushed on the housing last year: 2021 ended with about 1.2 million sales, or 12 % more than the previous record of 2019. We know the attachment of our compatriots for the stone, it does not deny. The reasons are not lacking to explain this craze. If only the continued assessment of goods in recent years. In 2021, prices have experienced the highest increase since the mid-2000s, with a jump of 7.3% in France over one year, still according to the FNAIM.
This fascination for the stone is also found in the field of savings. In 2021, individuals have invested 7.4 billion euros in shares of CIVILS SCPI real estate investment companies), almost one-third of what has been spared in life insurance contracts over the same period. Be careful, however, to disappointments.
First, facing the influx of savings on products, companies that manage SCPIs have tended to buy goods at a fast pace and high price levels. Some of them therefore incorporate in their assets of less profitable buildings. This will have consequences for the performance of SCPI in the coming years. It should also be remembered that these financial products do not guarantee capital. In case of reversing the real estate market, savers could see the value of their shares drop, not to mention that this investment is not the most liquid.
As always in savings, focus on a type of investment is risky. The attractiveness of the French for the stone must not turn to the obsession. SCPIs have some attractions, but it would be dangerous to put all its savings. Although the scholarship has risen a lot in recent years, devote part of its long-term investments to actions makes it possible to diversify its investments, and to distribute its risks. Provided to avoid or by far the real estate sector.