How to build your heritage between 40 and 60 years old


It is between 40 and 60 years that this builds a heritage. It is then a question of dealing with several uncertainties: taxation, inheritance, the cost of a separation, child assistance, preparation for retirement … To cope, we cannot recommend too much to accelerate as much. as possible the repayment of the credit on the main residence. Contrary to popular belief, even in the presence of a low rate, it is preferable to settle the liabilities. Because the credit contracted for housing is not used in the best way: it does not allow to benefit from the leverage effect of the rents collected. In the event of cash inflow, reimburse in order to shorten the duration. You will thus experience the satisfaction of owning your use good and will be able to go on the offensive.

As long as there is still time, your borrowing capacity should be directed towards rental investment. If an inflationary period arose, the leverage effect would be multiplied. If you do not want to suffer the annoyances of rental management, opt for pooled investments such as SCPIs or furnished rentals.

The SCPI, an investment that resists the cry

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