Where to invest in 2022?|Corum Savings

Make a good investment is above all taking into account your heritage needs.Whether it's giving new momentum to your savings, giving your children a boost when the time comes or preparing your retirement, transparent savings solutions of the Corum L'Épargne range can s'Adapt to your goal.

You want to energize your savings

It is essential to have a precautionary reserve on secure investments, such as booklet A which pays 0.5 % net of tax.But in addition, opt for investments without capital guarantee and potentially offering better performance prospects makes it possible to "energize" your savings.By investing in SCPI shares of the Corum L'Épargne range, you free yourself from the constraints of the rental management entrusted to a team of experts (search for tenants, collection of rents, upgrading to regulatory standards, etc.), in return formanagement fees.And touch potential income every month.Without predict future performance, the SCPIs of the Corum L’Épargne range have always held their performance objective.The performances for 2021, not surprisingly, should be greater than the objectives, namely 6%* for the SCPI Corum Origin for example, and do better than the market.

Internal profitability rate (sorting): Corum Origin 5.77 % over 5 years, Corum XL Uns guaranteed target 10 % at 10 years old, Corum Eurion Unwanted 4.5 % at 10 years.

You want to prepare for the future of your children

Do you have children or grandchildren?Gradually save in the SCPIs of the Corum range Savings via a real estate savings plan (setting up regular payments, at the frequency of your choice and which you can suspend at any time) or the automatic reinvestment of dividends allows toGradually grow your capital, to finance the time of their projects (driving license, higher education, etc.).Opening a Corum Life life insurance contract, accessible from 50 euros, even if they are minor is also a possible strategy.You can choose one of the 6 predefined allowance formulas, distributed between bond funds and SCPI.Formulas for which 2021 performance should oscillate between 3.9%** and 4.6%**.

You want to prepare for your retirement or succession

To compensate for the drop in income from 25% to 40% *** linked to retirement, it is advisable to start to be a gradually capital as soon as possible.Savings solutions in the Corum L'Épargne range also helps to reinvest and capitalize on potential income to receive them at the time of your retirement.

Thanks to the dismemberment of ownership, you can also buy SCPI shares from the range at an access price, and do not affect any potential income for the duration of the dismemberment - which makes it possible not to increase your taxation.You only acquire the bare ownership of the shares (and not usufruct);At the end of the dismemberment, you recover full ownership and the right to receive potential income.

Corum life life insurance can also be a choice to prepare for your retirement, benefiting from the specific tax insurance framework.As soon as your contract reaches 8 years of seniority, you benefit from the advantageous taxation on withdrawals (reduction and reduced tax rate) and on your future succession (reduced taxation for your beneficiaries on the payments made before your 70 yearsup to 152,500 euros for each, and 30,500 euros for payments made after your 70 years).

The products marketed by Corum Savings are long -term investments which offer no guarantee of performance and have a risk of capital and liquidity loss.Income is not guaranteed and will depend on the evolution of the real estate and financial market and the price of currencies.Past performance is no guarantee of future performance.

*Rate of return (DVM) or distribution rate on market value, defined as the gross dividend, before social and tax levies, French and foreign, paid under year N (including exceptional deposits and shareValues distributed of 0.18% on Corum Origin in 2020) divided by the average purchaser price of year N from. Internal profitability rate (sorting): Corum Origin 5.77 % over 5 years, Corum XL Uns guaranteed target 10 % at 10 years old, Corum Eurion Unwanted 4.5 % at 10 years.It measures the profitability of the investment over a given period and takes into account the evolution of the value of share and the dividends distributed over the period, as well as the subscription and management costs borne by the saver.** The performance of the proposed formulas, based on those of the funds that compose them, are clear of management fees.These funds making up the account units present own risks including that of capital loss or company failure in the event of buyout, arbitration or outcome by death.*** Schroders Global Investor Study survey published on July 5, 2018

Legal notices: Corum L’Épargne, SAS with share capital of € 100,000, RCS Paris n ° 851 245 183, Headquarters located 1 rue EULER 75008 PARIS, registered with the ORIAS under number 20002932 (www.Orias.fr) in its qualities of financial investment advisor, member of the CNCIF, chamber approved by the AMF, agent in banking operations and payment services, insurance intermediary and general insurance agentUnder the control of the ACPR, 4, place de Budapest CS 92459 75436 Paris Cedex 9.The SCPI Corum Origin, Visa SCPI n ° 12-17 of the AMF of July 24, 2012;Corum XL, VISA SCPI n ° 19-10 of the AMF of May 28, 2019;Corum Eurion, VISA SCPI n ° 20-04 of the AMF of January 21, 2020 are managed by Corum Asset Management, portfolio management company, SAS with share capital of € 600,000, RCS Paris n ° 531 636 546.Headquarters: 1 rue Euler 75008 Paris.AMF GP-11000012 approval of April 14, 2011.Corum Life is a contract in account units managed by Corum Life, anonymous company with board and supervisory board with share capital of € 20,000,000, governed by the insurance code, RCS Paris n ° 852 264 332, Headquarters located 1Rue Euler 75008 Paris, subject to ACPR control, 4 place de Budapest CS 92459 75436 Paris Cedex 9.Photography: Towfiqu Barbuiya/Pexels.com