Blog & Investment Guides

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.

Qu'est-ce que l'agrément européen PSFP pour le crowdfunding ? Découvrez comment ce statut harmonisé renforce la protection des investisseurs, porte le plafond des projets à 5 millions d'euros et ouvre le marché européen.

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.