Invest in Real Estate from €1500 OR €150/Month, It's Possible
No need to buy an apartment on your own or have a lot of money to invest in real estate.
With co-investment in real estate through life insurance, you can start from €150 per month or from €1500 initially or combine both.
Your money is invested with that of other savers, and each receives a share of the rent, according to what they have invested. You can track your investment directly from your client account.
It’s a state-approved company that takes care of everything: property purchases, tenant management, renovations… You simply invest, without the usual constraints of real estate.
Why is this Type of Investment Secure?
- Management companies approved by the AMF (Financial Markets Authority), some with over 50 years of experience
- Diversified real estate portfolio (sometimes over 200 properties) to reduce risks
- Investment housed in life insurance for more transparency, security, and tax advantages
Why Invest in Real Estate through Life Insurance?
| Advantage | Explanation |
|---|---|
Peace of mind
|
Your investment is managed by experts approved by the AMF |
Flexibility
|
You can withdraw your money at any time |
Performance
|
About 5% per year, equivalent to urban area rents + property appreciation of about 1 to 2% per year. That's a total of 6 to 7% per year. |
Transfer
|
Your shares are easily transferable in case of death through life insurance |
How Does it Work?
- Invest from €150/month or €2,000
Choose the amount and frequency of investment that suits you. - Your money is invested in a real estate portfolio
Properties selected and managed by an approved company. - You receive regular income
Like rents, paid quarterly in proportion to your investment. - You monitor your investment from your life insurance
Transparency and flexibility to consult or withdraw your funds.
Let's Talk about your Project in all Simplicity
Enjoy a free 30-minute appointment with a Domacap advisor:
- Understand the available options
- Adapt your savings to your goals
- Ask all your questions
Frequently Asked Questions
As with any investment, there is a risk. But thanks to diversification across many properties, the risk is greatly reduced.
You can sell your shares and recover your funds according to the terms of the life insurance contract.
Not at all! The management company takes care of everything: tenant selection, rent management, property maintenance.
Life insurance allows you to benefit from advantageous taxation, especially after 8 years of holding.
This investment is ideal if you want to invest in real estate without management constraints, at your own pace and in complete security.
Investissement dans immobilier à partir de 50 €/mois
Investissez en toute confiance avec l’assurance-vie à dominante immobilière : un placement souple qui protège, valorise votre épargne et prépare l’avenir.
Et si vous pouviez toucher des loyers en achetant à plusieurs ? Avec un système simple appelé SCPI ( Société Civile de Placement Immobilier ), vous pouvez investir dans des immeubles à plusieurs et vous pouvez même avoir des immeubles sur les champs elysées. C’est un placement encadré et contrôlé par l’AMF, un organisme officiel qui protège les épargnants. Ce placement est logé au sein d'un contrat d'assurance vie.
Pourquoi choisir l’assurance-vie ?
Sérénité : Votre capital peut être sécurisé avec le fonds en euros.
Performance : Dynamisez votre épargne avec des unités de compte (UC) diversifiées.
Flexibilité : Versements libres ou programmés, rachats possibles à tout moment.
Transmission : Optimisez la transmission de votre patrimoine.
Comment ça marche ?
- Diagnostic personnalisé : Nos conseillers évaluent votre profil via un questionnaire.
- Choix sur mesure : Vous décidez de la répartition entre fonds euros et UC, ajustable à tout moment.
- Versements souples : Vous pouvez :
- Effectuer un investissement unique (ex. : 10 000 € au départ).
- Mettre en place des versements programmés (ex. : 200 €/mois – conseillé pour lisser les risques).
- Ou combiner les deux (investissement initial + versements mensuels), la stratégie la plus performante à long terme.
Nos partenaires : un accès large et indépendant
Domacap travaille avec plus de 5 assureurs réputés :
- Generali
- SwissLife
- Cardif
- Pacifica
- AG2R La Mondiale
- Assureurs luxembourgeois (assurance-vie internationale)
Notre rôle est de comparer en toute objectivité ces contrats pour sélectionner celui qui correspond le mieux à votre profil et aux opportunités du marché.
Projections de rendement selon votre profil
Profil Prudent
| Durée | Rendement bas | Rendement moyen | Rendement haut |
|---|---|---|---|
| 5 ans | 1,5%/an | 2,5%/an | 3,5%/an |
| 10 ans | 1,8%/an | 2,8%/an | 3,8%/an |
Ces projections sont des estimations basées sur des historiques de marché et des hypothèses prudentes. Elles permettent d’anticiper différents scénarios possibles pour mieux calibrer votre stratégie.
FAQ – Life Insurance, Investment Vehicles, and Wealth Strategy
It's a savings contract that allows you to grow capital while benefiting from tax advantages. It's also a tool for wealth transfer.
You make payments into a contract, invested in various vehicles (euro funds, unit-linked funds), with great management flexibility and possible withdrawals at any time.
Before 8 years: 30% (flat tax). After 8 years: annual allowance of €4,600 (€9,200 for a couple), then taxed at 24.7% or progressive scale.
Up to €152,500 exempt per beneficiary for premiums paid before age 70. Beyond that, 20 to 31.25%. After 70: global allowance of €30,500, then inheritance tax.
The operation is similar, but the capitalization contract can be transferred (donation or inheritance) even after the insured's death.
These are non-guaranteed investment vehicles, such as stocks, bonds, SCPI or OPCI, whose performance varies with the markets.
It's a secure vehicle with guaranteed capital, composed mainly of bonds, with moderate but risk-free returns.
SCPIs invest directly in rental real estate. OPCIs are more liquid, diversified (real estate + securities).
They invest in debt securities (government or corporate) and offer regular returns with moderate risk.
These are funds invested in stock markets. Their return is potentially high, but they are more volatile.
Complex products with defined returns, with conditional capital protection based on market trends.
Yes. It allows long-term capitalization and withdrawal as annuities or scheduled partial redemptions at retirement.
Absolutely. It allows you to save at your own pace and release funds at the right time with reduced taxation.
It allows optimized capital transfer with tax deductions, and great freedom in designating beneficiaries.
Self-managed (you choose), guided management (delegated to an expert), and horizon management (adjusted according to a project over time).