Buying a home in life is not to be put in the hands of all savers.
Of course, the purchase price is reduced, but you have to commit to paying an annuity to the seller throughout your life.
A risky operation!
Recently, funds have entered this niche, with advantages over a direct purchase.
Among the main ones: a reduced entry ticket (from €1,000 to €5,000), pooling of the risk of "excess longevity" between several occupants and the absence of the constraints inherent in owning a life annuity directly (works, payment of an annuity…).
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The two best-known products, Viagénérations and Silver Avenir, are units of account (UC) accessible only in life insurance.
Created in 2017, the first was not opened to the public until 2019.
“We bought a housing portfolio in 2017 then two insurers, Apicil and Ageas, joined us and invested in equity,
relates Thibault Corvaisier, director of the SCI Viagénérations.
We…
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