Wealth advisory
for Expatriate
Your Objectives
Expatriation has multiple implications for wealth management, affecting your financial, tax, and asset considerations not only in France but also in your country of residence. At OptiFi, we can guide you in your real estate and financial investment choices and address your questions regarding the impact on your retirement and estate planning.
Our Solutions
Optimize Your Savings
- Financial Savings: Financial savings should be considered with a medium- to long-term perspective to enhance the value of your savings, grow your capital, prepare for retirement, or pass on your wealth. Wealth management for expatriates is unique as it must incorporate the tax and estate impacts applicable in both France and your country of residence.
Building Real Estate Assets
- Real Estate Investment for Non-Residents: Real estate is a key pillar of investment for non-residents, as it allows for the generation of recurring income. Additionally, it is possible to purchase real estate assets on credit by obtaining a loan from a French bank. OptiFi will also guide you in setting up the optimal structure to hold the property (such as SCI, direct ownership, joint ownership, etc.).
- SCPI (Real Estate Investment Trusts): A highly valued tool for expatriates, known as “Pierre Papier” in French. SCPI is a collective investment vehicle in rental real estate. The fund acquires and manages a real estate portfolio to distribute rental income to shareholders. This solution is particularly appreciated because it is fully managed.
Prepare for Your Retirement
- Life Insurance: A flexible savings vehicle that can be adapted to meet your savings and wealth management goals.
- Rental Investment: A rental investment involves purchasing a property (or shares in real estate companies) with the goal of generating rental income. Depending on the structure, these incomes may benefit from tax advantages.
- Real Estate Crowdfunding: Real estate crowdfunding is an innovative solution to diversify your investments. It allows you to participate in collective real estate projects with a more affordable entry point than traditional investment. We guide you in selecting the right platforms.
- Retirement Savings Plan (PER): The Individual PER is a long-term savings product. Contributions may be deductible from your taxable income, allowing you to save during your working life and receive either a lump sum or an annuity upon reaching retirement age.
Our Methodology
Throughout our collaboration, we involve you in every decision to define the strategy that will help you optimize your wealth growth and monthly savings capacity. Our expertise in wealth management allows us to offer solutions tailored to the specific needs of expatriates. All the solutions we propose and implement comply with regulatory standards and our code of conduct.
