Blog & Investment Guides

What is a mortgage, and how does this real estate security interest work? Definition, priority in registration, lender’s rights (right of priority and right of pursuit), and conditions for release.

What is a euro-denominated fund, and how does it work? Check out our comprehensive guide to capital protection, the ratchet effect, the average return on bonds, and arbitrage with unit-linked funds.

How can you optimize the transfer of your life insurance policy? Check out our practical guide on drafting the beneficiary clause, tax exemption strategies (€152,500 and €30,500), and the steps to take in the event of death.

Life Insurance: How Much Will You Actually Receive? Check out our comprehensive guide to calculating the net amount from a surrender during your lifetime or the death benefit paid to your beneficiaries upon your death.

Learn how a structured product works through a concrete example with actual figures. Our educational guide explains, step by step, how an autocall works, the memory effect, and the risk-return trade-off.

What is a formula fund, and how does this structured investment work? Discover our comprehensive guide to mechanical return mechanisms, the legal distinction from EMTNs, as well as its benefits and risks.

What is the real appeal of structured products, and who are they intended for? Discover our unbiased take on how they work, their risk-return profile, the pitfalls to avoid, and their usefulness in life insurance.

Find out why real estate developers are turning to real estate crowdfunding. Explore its benefits and learn about the success stories of residential and commercial projects.

What is an ETF, and how does this index fund work? Check out our comprehensive guide to analyzing actual fees (TER, tracking difference), understanding physical vs. synthetic replication, and optimizing your investments in a PEA or life insurance policy.

Life Insurance and Estate Planning: What Are the Rules Under the New Law in 2026? Learn how the exceptional temporary tax exemption works for gifts of premiums made during your lifetime, how the tax framework remains in place upon death, and the procedures for re-inclusion in the estate.

What is the average tax rate, and how is it calculated? Check out our comprehensive guide to understand the actual portion of your income that goes toward taxes, how it differs from the marginal tax rate, and its impact on withholding tax.

How can you maximize the returns on your life insurance policy in 2026? Check out our comprehensive guide to balancing the security of euro-denominated funds with the performance of unit-linked funds (ETFs, SCPIs) while keeping your fees under control.

What is the LTV (Loan-to-Value) ratio, and how does it affect your mortgage? Learn about the LTV formula, its role in determining risk, and our tips for improving it.

How to Choose the Best Life Insurance in 2026? Check out our comprehensive guide to comparing fees, analyzing the returns on new euro-denominated funds, and effectively diversifying your portfolio with ETFs and real estate.

What is the Internal Rate of Return (IRR) of an SCPI? Check out our guide to understand this financial metric, its calculation formula, and how it can help you measure the overall performance of your investment.

Why use a life insurance simulator before investing? Check out our comprehensive guide to projecting your future capital, assessing the impact of scheduled payments, and effectively choosing between euro-denominated funds and unit-linked funds.

Giving €150,000 every 10 years tax-free: myth or reality? Discover the real rules governing parent-child tax exemptions, how they can be combined with family gifts, and the secrets of life insurance for tax-free asset transfers.

What is an SCPI, and how does this “real estate investment fund” work? Check out our comprehensive guide to investing in real estate without the hassle of management, diversifying your savings, and understanding the associated risks and fees.

What is the LTA (Loan-to-Acquisition) ratio, and how can it be used in real estate? Learn about the formula for this financial coverage ratio, its usefulness in crowdfunding, and its key differences from the LTV and LTC.

How to Choose the Best Crowdfunding Platform in 2026? Check out our comprehensive comparison (minimum investment amounts, returns, PSFP accreditation) to invest with confidence in real estate, small and medium-sized businesses, or the energy transition.

What does the future hold for SCPIs in 2026? Discover our expert opinion on real estate investment trusts, the key metrics for analyzing their net returns, and our tips for combining SCPIs, life insurance, and crowdfunding.

What is the European PSFP authorization for crowdfunding? Learn how this harmonized status strengthens investor protection, raises the project cap to 5 million euros, and opens up the European market.

There is no maximum contribution limit for life insurance, but three major thresholds govern its taxation. For policies older than 8 years, gains from policy surrenders are taxed at a reduced rate of 24.7% if total premiums remain below the €150,000 limit (30% above that amount), after an annual deduction of €4,600 (€9,200 for a couple). In terms of estate planning, each beneficiary is entitled to an exemption limit of €152,000 for premiums paid before the policyholder turns 70; this exemption drops to a total of €30,500 after that age. Finally, the Personal Insurance Guarantee Fund (FGAP) protects savings up to a limit of €70,000 per insured person in the event of the company’s insolvency.

Gold is a long-term diversification asset (minimum 10 years) that generates no income; its performance depends on the capital gain realized upon resale. Investors can choose between physical gold (bullion and coins subject to strict purity standards) and paper gold (ETFs, derivatives), and should verify the broker’s reliability with the AMF. Cash purchases are prohibited and require a valid form of identification. Finally, the resale of physical gold is subject to a flat tax of 11.5% or the capital gains tax regime (36.2%), with the latter offering a full exemption after 22 years of ownership.

There is no “best” SCPI in 2026, but there are investment vehicles suited to each wealth management strategy. To make an informed choice, the distribution rate alone is not enough: you must analyze the Annual Total Return (PGA), which incorporates changes in share prices, as well as indicators of financial strength such as a Financial Occupancy Rate (TOF) above 90% and sufficient reserves (retained earnings). In a mixed market, sectoral and geographic diversification (particularly within Europe to optimize tax efficiency) as well as the reputation of the management company have become essential to ensuring the investment’s long-term resilience (8 to 10 years).

Life insurance offers favorable tax treatment, since tax is only due at the time of withdrawals (surrenders), and only on the portion representing gains (interest and capital gains). For premiums paid after 2017, the tax treatment becomes optimal after holding the policy for 8 years, thanks to an annual tax-free allowance of €4,600 (€9,200 for a couple) and a reduced tax rate of 24.7% (for premiums under €150,000). This policy is also a major tool for transferring assets outside of the estate, allowing the capital to be bequeathed to a spouse completely tax-free, or with a generous tax exemption of €152,000 per beneficiary for premiums paid before the policyholder turns 70.

Buying gold is an excellent way to diversify your portfolio and a safe-haven asset, but it requires a careful approach. Investors can choose between physical gold (bars, coins), which involves security, insurance, and storage requirements, and paper gold (ETFs), which is more liquid and easier to manage. To invest safely and avoid counterfeits, it is essential to choose a reliable and transparent seller capable of providing certificates of authenticity. Finally, profitability depends heavily on factoring in fees (delivery, management, custody) and tax implications upon resale, which are based either on a flat-rate tax or the capital gains tax regime (upon presentation of proof of purchase).

With life insurance, you can make a partial surrender (withdrawal of funds) or a total surrender (which permanently terminates the policy) at any time; the money is generally paid out within one week to several weeks. Only the gains (interest and capital appreciation) are taxed, and the tax treatment becomes particularly favorable after the policy has been in effect for 8 years, thanks to a reduced Single Flat-Rate Withholding Tax (PFU) of 24.7% (for premiums under €150,000). For temporary cash flow needs, it is also possible to request an “advance”—an interest-bearing loan from the insurer—to avoid depleting the principal and negatively impacting the future returns on your savings.

Gold ETFs (or ETCs) provide an easy way to gain exposure to the price of gold through a securities account or a life insurance policy, without the storage constraints or high costs associated with physical gold. Whether they are physical (backed by actual bullion) or synthetic (via derivatives), they offer high liquidity for diversifying a portfolio and fulfill their traditional role as a safe-haven asset. However, this investment carries risks: a potential loss of principal due to market volatility, currency risk (since gold is priced in dollars), and a complete lack of yield (no dividends or interest), as performance depends solely on rising prices.

In life insurance, the insurer guarantees the liquidity of SCPIs within a maximum legal period of two months (often reduced to a few weeks), except in the event of an exceptional freeze during a crisis. Upon redemption, the shares are valued with a possible discount of 2 to 10 percent, and an exit fee of 8 to 12 percent is charged, which requires locking up your savings for 8 to 10 years to offset these costs. Finally, life insurance tax rules apply only if you withdraw the money from the policy; a simple internal reallocation remains completely tax-exempt.

Everything You Need to Know About SCPI Fees Before Investing. Check out our comprehensive guide to understanding subscription fees, management fees, the impact of the redemption value, and our tips for calculating your actual net return.

Money market funds are one of the least prominent investment options in personal finance. Long overlooked by individual investors due to near-zero returns, they have regained appeal since the European Central Bank raised its key interest rates. But with those same rates gradually declining since 2024, their suitability now warrants careful consideration.

How to Choose the Best ETFs for Your PEA or Life Insurance Policy in 2026? Check out our comprehensive guide on selection criteria: actual fees (TER), liquidity, physical vs. synthetic replication, and allocation strategies.

Real estate crowdfunding continues to attract investors in 2026 thanks to often high returns and greater accessibility compared to traditional rental investments. But in 2026, the real estate landscape has changed. Rising interest rates, slowing sales, and an increase in delays now require investors to exercise greater caution.

What is a real estate club deal, and how does this confidential co-investment work? Discover our comprehensive guide to governance, SAS and SCI structures, and the keys to investing in exceptional projects.

Pledging a business as collateral is a key way to secure financing. How it works, benefits, and points to watch out for

The Spanish residential real estate market continues to grow in 2025 and is expected to maintain a positive trajectory in 2026. This trend is taking place against a generally favorable macroeconomic backdrop and is driven primarily by a persistent imbalance between housing supply and rapidly growing demand. Several economic, demographic, and financial factors help explain this structural trend.

Taxation of income from real estate crowdfunding investments in Spain depends on the investor’s country of tax residence. This article provides information for both French and foreign investors (EU/EEA and non-EU/EEA).

Learn how to balance return, risk, and liquidity to build a solid real estate crowdfunding portfolio.

Learn how to analyze a real estate crowdfunding proposal in 7 key points: developer, location, financing, guarantees, and return on investment.

Find out how a continuous reinvestment strategy can boost your returns on real estate crowdfunding by reinvesting your earnings.

Explore two new real estate trends—co-living and collaborative housing—for a more human, collaborative, and sustainable lifestyle.

Discover the ranking of France’s most livable cities and the key factors that are attracting more and more city dwellers and investors.

Everything You Need to Know About VAT Application in SCIs: Circumstances Under Which VAT Applies, the Option to Register for VAT, and the Impact on Your Real Estate Investments.

Learn about the tax rules applicable to French tax residents investing in real estate crowdfunding in Spain: requirements and filings.

Optimize your company's cash flow with the right investments: term deposits, real estate investment trusts (SCPI), real estate crowdfunding, and more.

Learn how real estate crowdfunding fits into a responsible investment strategy. Explore the benefits, challenges, and best practices for investing in an ethical and sustainable way.

Find out how to adapt your home to the energy crisis with solutions for insulation, heating, ventilation, and renewable energy.

Learn about the key steps involved in this type of purchase, its tax benefits, the guarantees offered, and the potential risks related to delivery times and the quality of the property.

Explore the resources and advice available to first-time homebuyers to help them secure favorable mortgage terms and make a successful first-time home purchase.

Find out how remote work is reshaping the preferences of real estate buyers, influencing prices and location choices in today's market.

Learn about the key steps in a real estate sale: appraisal, listing, showings, negotiations, preliminary agreement, administrative procedures, and signing the final deed.

Real estate crowdfunding is an attractive way to diversify your real estate portfolio. Learn how to reduce risk by investing in a variety of real estate projects located in different cities and regions and developed by different developers.

Find out the duration and validity conditions of the planning permits required to launch a real estate project.

Real estate developers must obtain planning permits appropriate for their projects, a process governed by specific rules.

Discover the major trends in sustainable construction: why eco-friendly homes are so appealing and what impact they have on the real estate market.

Find out how to choose the right location for your next property with our comprehensive guide. Make informed decisions to maximize the value of your real estate investment and improve your quality of life every day.

Making a successful first real estate investment is a crucial step that requires laying a solid foundation to avoid common pitfalls. This article guides beginners through the essential steps, from setting a budget to carefully selecting the property and its location. Drawing on expert advice, it provides all the keys to taking the plunge with confidence and maximizing the return on your investment.

Changes in the real estate market are accompanied by a growing focus on energy efficiency, raising questions about the suitability of gas-heated homes as investments. In light of these developments, it is crucial to analyze the advantages and disadvantages of these properties. This study will examine financial profitability and flexibility of use in Europe—and more specifically in Belgium—while also addressing European environmental concerns and technological advancements, in order to provide informed insights to real estate investors.

Crowdfunding as a financing solution for real estate projects has been growing at a very rapid pace for several years. Today, there are more than a thousand developers and real estate investors who have used at least one crowdfunding platform to support their growth. But why do they make this choice? What are their motivations?

Raizers is authorized to provide financing to operators in two ways: by issuing bonds or by granting loans. What are the differences?

Real estate crowdfunding is a form of crowdfunding that allows individuals to invest in real estate projects. This form of financing is booming worldwide, with the market expected to reach $120 billion by 2025.

Everything you need to know to manage your real estate portfolio effectively, from goals to management strategy.

Selling a property is a major transaction. It is therefore important to read the sales contract carefully before signing it. In this article, we outline the 7 mistakes to avoid when signing a real estate sales contract.

Real estate crowdfunding is a form of investment that allows individuals to finance real estate projects by sharing the risks and returns. This method is becoming increasingly popular because it offers investors the opportunity to participate in projects that would otherwise be out of their reach.

Discover the 7 common tax mistakes to avoid when investing in real estate. By avoiding them, you’ll maximize your returns and minimize your risks.

Learn the key steps for estimating and planning for your monthly bills after buying a home. Get practical tips for effective budgeting.

Given the dynamism of the Portuguese real estate market, Raizers is expanding its operations there to offer new diversification opportunities to its investors. To circumvent cross-border constraints, a specific and transparent financial structure through an intermediary company is necessary. Details on local requirements, particularly regarding mandatory insurance and national withholding taxes.

Discover the 7 good reasons to invest in real estate crowdfunding. An investment option that falls between a savings account and the stock market.

New real estate projects are listed every week on Raizers, a real estate crowdfunding platform. These projects are not chosen at random; they undergo a thorough selection process that gives investors access to the best investment opportunities*. Learn how projects are selected at Raizers.

To successfully carry out or finance a real estate project, developers must quickly secure sufficient funding. How can they do this? Here’s an overview.

Real estate crowdfunding involves significant risks, such as loss of capital, funds being tied up, and construction-related uncertainties. To protect against these risks, it is necessary to thoroughly analyze each project and diversify your investments. It is also essential to choose a regulated platform to safeguard your investments.

Real estate crowdfunding is a risky investment, but it can be profitable. Here are a few tips for properly evaluating a real estate crowdfunding project and avoiding risks.

Discover the benefits of real estate crowdfunding for beginners. Market access, diversification, professional expertise, and simplified management.

Real estate crowdfunding is a form of participatory financing that allows individuals to invest in real estate projects. This type of investment has experienced significant growth in Europe in recent years and has now become an alternative to traditional investments.

To promote investment and productivity in the overseas departments and territories, the French government has implemented favorable tax measures.

A search mandate formalizes the relationship between a real estate buyer and a real estate professional to find the ideal property.

LTV, LTC, and LTA are mortgage coverage ratios. How are they calculated? How should they be interpreted?

A loan is a transaction in which funds are provided to a borrower, who is required to repay them. Here’s a closer look at the different types of loans.

Raizers is expanding its reach across Europe by now offering real estate crowdfunding campaigns in Spain. Learn more about the unique characteristics of the Spanish real estate market.

Registration tax is a tax levied on the sale of real estate. It can account for a significant portion of the purchase costs and varies by country and type of transaction. Understanding the applicable rules is therefore essential for planning a real estate investment.

Leases are rental agreements between a property owner (the landlord) and a tenant (the lessee). There are several types of leases, each designed to meet specific needs. Here is an overview of the main types of leases.

A First-Demand Guarantee is a commitment whereby the guarantor undertakes, in connection with an obligation assumed by a third party, to pay a sum either upon the creditor’s first demand or in accordance with previously agreed-upon terms.

A sale with right of repurchase is a real estate transaction that allows you to raise cash when banks refuse to finance the buyer.

A Financial Performance Bond (FPB) is a type of insurance that covers the financing needed to complete the project in the event of the operator’s default.

A personal guarantee is a payment guarantee that a creditor obtains from a legal entity or an individual in the event of default.

A security trust is a guarantee of debt repayment or the fulfillment of an obligation upon the transfer of ownership of property to a third party.

A security trust is a form of collateral well-suited to real estate crowdfunding because it is also characterized by its high degree of flexibility, particularly when it involves company shares or stock.

Under Swiss law, a mortgage note is a personal claim secured by a real property lien. It is a security interest that does not involve the transfer of possession.

The Pinel program offers a tax break when purchasing a new home to rent out.

Real estate crowdfunding is an investment method that can have a positive impact on the environment and society. It helps finance sustainable real estate projects that are environmentally friendly and have a positive impact on society.

What is a yield-focused SCPI, and how can you evaluate it in 2026? Check out our comprehensive guide on overall performance (PGA), occupancy rates, the tax benefits of European SCPIs, and the associated risks.