In recent years, individuals have been abandoning traditional shares and financial products to invest in real estate. With increasingly fluctuating rates for so-called “traditional” products, experts are increasingly moving towards alternative investments. Real estate in the United States is an example. Here are some explanations of these attractive products and why life insurance in France is a product with limited benefits.


Did you know that life insurance has an eight-year expiry date? After this deadline, you will be offered to buy back your own contract.

The only drawback: the interest will always be taxed at the rate of 7.5%, regardless of the date of the payments. Most often, old contracts generate limited performance and the costs can be very expensive.

In addition, the purchase of life insurance can be expensive: individuals who buy back their old contract may be subject to taxation of up to 12.8% during the eight new years!

For retired people, it is possible to study withdrawals exempt from income tax thanks to the CSG. However, the government’s reform plans may well make this option disappear.

This is the reason why many French people decide to invest in real estate in the United States.


While life insurance offers some stability, real estate investing, if properly prepared, can offer any individual a considerable gain – and a stable annuity.

With the revival of many cities in the United States and the rise of certain regions – such as Cleveland, Detroit or Port Charlotte, American and French investors are swapping their financial products for real estate.

As many analysts have predicted, the year 2020 could well bring with it a new financial crisis… 2019 therefore represents an opportune time to invest in stone.

Because if the trading rooms fluctuate and the financial products with it, real estate rarely loses its value, especially in cities in full revival.


American individuals have understood this well. When we count an average return on investment of 4% for financial products, we count nearly 2% on a savings account.

In addition, real estate rates are currently historically low in the United States, between 3.5% and 7.84%.

Even better, real estate investments are sometimes exempt from taxes in the United States, thanks to the Capital Expenditure – in the context of “multi-family properties”. The latter are buildings or old mansions divided into apartments. A property highly sought after by young workers in urban areas.

The return on investment is on average around 7% on a “cash-on-cash” product. Not to mention the renovations or extensions that owners can carry out over the years, bringing more and more value to their property.

In addition, it is important to remember that the purchase of a property in the United States requires much less input than in France. Indeed, American bankers generally ask for 5% of the total amount of the property when buying it.

A big difference with real estate in other countries where we generally ask for a minimum of 10%.

This year, the United States has nearly 47 million multifamily properties. It is estimated that nearly 4.6 million Americans will be looking for a rental by 2030.