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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

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.

Whole-market 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 →

Our commitment.

The same standard, whatever the product: the best quality on the market, chosen for you.

No in-house products

Véloci neither designs nor sells in-house products. Through open architecture, we select the best solutions on the market for you, with no imposed catalogue and no quota, so we have no reason to steer you toward one over another.

The best quality

Only approved, recognised partners (leading insurers and asset managers), chosen for their strength, the quality of their management and their net-of-fees performance over time.

Lifelong support

A single point of contact who follows you at every stage of your financial life, from saving to transmission. A lasting relationship, not a one-off sale.

A relationship of trust

Full transparency (Engagement Disclosure Document), interests aligned with yours, clear guidance and availability. We aim for the best net-of-fees performance over time, not the lowest headline fee.