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SCPI — Real Estate Funds

Invest in property
without being a landlord.

No tenants to manage, no renovations, no void periods to handle alone. SCPIs spread the risk across hundreds of properties — while paying you regular rental income.

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4–6%Average annual yield (distribution rate)
Commercial propertyOffices, retail, healthcare, logistics
AccessibleFrom around €1,000 per share

What you need to know about SCPI investment advisory.

Understanding the mechanics to make the right wealth decisions.

1

Diversified commercial property

SCPIs invest in commercial property assets (offices, retail, warehouses, clinics) in France and Europe, inaccessible to individual investors alone.

  • Offices and retail in France
  • European property (Germany, Netherlands...)
  • Healthcare, logistics, managed residential
2

Regular and predictable income

SCPIs distribute quarterly or monthly rental income based on their tenants' payments. The average distribution rate oscillates between 4 and 6% annually.

  • Rental income paid each quarter
  • Average yield 2024: ~4.5%
  • Potential inflation indexation
3

Credit leverage: the booster effect

Financing SCPIs with a loan can significantly amplify profitability: the rental income covers all or part of the monthly repayments, and loan interest is tax-deductible.

  • Borrowing rate potentially lower than SCPI yield
  • Interest deductible from rental income
  • Building long-term capital

Not all SCPIs are equal

Across 200+ available SCPIs, performance differences are considerable. Some historical SCPIs reduced their share value in 2023, while others maintained 5-6% yields. Selection is critical: financial occupancy rate, tenant quality, asset valuation, share liquidity. Véloci analyses SCPIs without bias (no preferential commission).

Our approach.

Independent selection of the best SCPIs

Analysis of 30+ eligible SCPIs based on your objectives: yield, capital appreciation, tax treatment, liquidity and geographical diversification.

  • Comparison of yield, occupancy rate, reconstruction value
  • European SCPIs for tax optimisation
  • Deficit SCPI based on your tax bracket

Financial and tax structuring

Structuring your SCPI investment based on your situation: cash, leveraged, dismembered or via life insurance.

  • Bank financing and loan selection
  • SCPIs via life insurance: capital + yield
  • Dismemberment: bare ownership at reduced price

What rental yield could you target with SCPIs?

Personalised simulation based on your deposit, tax bracket and investment horizon — free.

Analyse my situation — free →