Sur une période de 15 ans, la SCPI Cristal Life a affiché un capital net d'environ 86 286 €, tandis que la SCPI Buroboutic a enregistré un capital net inférieur d'environ 20 926 €. Cette comparaison souligne une performance relative plus favorable de la SCPI Cristal Life par rapport à la SCPI Buroboutic.
Dans votre simulation sur 15 ans, SCPI Cristal Life est le produit qui obtient le capital net projeté le plus élevé. L'écart de capital net estimé par rapport au produit le moins performant est d'environ 20 926 €. Ces résultats restent des projections, non garanties, basées sur les hypothèses actuelles (rendements, frais et fiscalité).
Avec un montant initial d'environ 10 000 € et des versements mensuels d'environ 200 €, la simulation montre que SCPI Cristal Life génère les revenus nets les plus élevés sur la période. L'écart de revenus nets mensuels est estimé à environ 197 € par mois par rapport au produit le moins bien classé. Ces chiffres tiennent compte de votre fiscalité simulée (TMI ≈ 0 % et taux moyen ≈ 0 %), sans constituer une garantie de rendement.
La fiscalité a un impact direct sur les revenus et le capital net projetés. Dans votre simulation, nous appliquons un TMI d'environ 0 % et un taux moyen d'imposition proche de 0 % sur les revenus. Cela réduit les revenus bruts attendus, mais permet de comparer les produits sur une base nette cohérente. Les résultats restent indicatifs : votre situation fiscale réelle peut évoluer dans le temps.
Dans votre simulation, le réinvestissement des revenus est activé. Cela signifie que les revenus générés par les produits (intérêts, dividendes, loyers) sont réinjectés dans le capital, ce qui augmente progressivement la base investie. À long terme, cela peut amplifier la différence de capital net entre les produits, notamment pour ceux qui distribuent régulièrement des revenus.
Chaque produit se voit attribuer un niveau de risque (par exemple sur l'échelle AMF de 1 à 7, lorsque l'information est disponible). Un niveau de risque plus élevé reflète généralement une plus grande sensibilité aux variations de marché, en échange d'un potentiel de rendement plus important. Votre simulation ne constitue pas un conseil personnalisé : elle met simplement en perspective le couple risque / rendement des produits que vous avez sélectionnés.
Les principaux frais intégrés dans votre simulation sont notamment : frais d'entrée, frais annuels de gestion, et, le cas échéant, frais liés au support ou à la structure du produit. Ces frais réduisent la performance brute et expliquent en partie les écarts de capital net projeté entre les produits. Il est important de consulter la documentation de chaque produit pour connaître la structure de frais exacte.
La durée de votre investissement (15 ans dans cette simulation) influence fortement les résultats. Sur un horizon plus long, l'effet des intérêts composés et des revalorisations éventuelles devient plus marqué, ce qui peut accentuer les écarts entre les produits. Inversement, sur une durée plus courte, les différences de performance peuvent être moins visibles et les frais initiaux peser davantage.
Non. Les résultats affichés correspondent à un scénario de projection basé sur des hypothèses de rendement, de frais et de fiscalité à un instant donné. Ils ne constituent pas une garantie de performance future et ne remplacent pas un conseil personnalisé. Les marchés financiers, la fiscalité et les caractéristiques des produits peuvent évoluer dans le temps.
Vous pouvez principalement comparer : (1) le capital net projeté à l'échéance, (2) le niveau de revenus nets annuels ou mensuels, (3) le niveau de risque associé à chaque produit, (4) la structure de frais (entrée, gestion, éventuels frais de sortie). La simulation PREVEST a pour objectif de rendre cette lecture plus claire et plus pédagogique.
Des versements mensuels plus élevés augmentent mécaniquement le capital investi au fil du temps et peuvent accentuer les écarts de performance entre les produits. À l’inverse, des versements plus faibles réduisent l’effort d’épargne mais limitent aussi le capital net projeté à terme. Vous pouvez modifier ce paramètre dans le panneau de configuration et relancer une simulation pour visualiser ces effets.
Même au sein d'une même famille de produits, des différences existent : niveau de frais, rendement brut cible, politique de distribution ou de revalorisation, niveau de risque, et fiscalité applicable. C'est la combinaison de ces paramètres qui explique les écarts de capital net et de revenus projetés entre les produits que vous avez sélectionnés.
Oui. Vous pouvez ajuster à tout moment le montant initial, les versements, la durée, la fiscalité simulée et le réinvestissement des revenus. Le panneau flottant en bas de page vous permet de mettre à jour ces paramètres et de relancer une nouvelle simulation personnalisée.
inputs = {"products":["scpi-buroboutic","scpi-cristal-life"],"initial_amount":10000,"duration_years":15,"monthly_contribution":200,"reinvest_dividends":true,"fiscality":{"tmi":0,"avg":0},"vehicle":"Direct","locale":"fr","fiscality_enabled":false,"fiscality_mode":"tmi","profile":"Particulier"}
products = [{"slug":"scpi-buroboutic","label":"SCPI Buroboutic","family":"scpi","risk_amf":3,"projection":[{"year":1,"capital_gross":11160,"capital_net":11654.713874814674,"income_gross":494.7138748146748,"income_net":494.7138748146748},{"year":2,"capital_gross":13320,"capital_net":14436.415677226276,"income_gross":621.7018024116032,"income_net":621.7018024116032},{"year":3,"capital_gross":15480,"capital_net":17351.179859893662,"income_gross":754.7641826673852,"income_net":754.7641826673852},{"year":4,"capital_gross":17640,"capital_net":20405.371446207897,"income_gross":894.1915863142382,"income_net":894.1915863142382},{"year":5,"capital_gross":19800,"capital_net":23605.659929709254,"income_gross":1040.2884835013583,"income_net":1040.2884835013583},{"year":6,"capital_gross":21960,"capital_net":26959.03383838116,"income_gross":1193.3739086719052,"income_net":1193.3739086719052},{"year":7,"capital_gross":24120,"capital_net":30472.81599562546,"income_gross":1353.7821572443,"income_net":1353.7821572443},{"year":8,"capital_gross":26280,"capital_net":34154.67951124464,"income_gross":1521.86351561919,"income_net":1521.86351561919},{"year":9,"capital_gross":28440,"capital_net":38012.66453735086,"income_gross":1697.9850261062143,"income_net":1697.9850261062143},{"year":10,"capital_gross":30600,"capital_net":42055.19582579181,"income_gross":1882.5312884409495,"income_net":1882.5312884409495},{"year":11,"capital_gross":32760,"capital_net":46291.101125434136,"income_gross":2075.9052996423243,"income_net":2075.9052996423243},{"year":12,"capital_gross":34920,"capital_net":50729.630459478656,"income_gross":2278.529334044517,"income_net":2278.529334044517},{"year":13,"capital_gross":37080,"capital_net":55380.47632490373,"income_gross":2490.8458654250735,"income_net":2490.8458654250735},{"year":14,"capital_gross":39240,"capital_net":60253.794858146655,"income_gross":2713.3185332429202,"income_net":2713.3185332429202},{"year":15,"capital_gross":41400,"capital_net":65360.228013242915,"income_gross":2946.433155096255,"income_net":2946.433155096255}],"capital_net":65360.228013242915,"revenue_net_annual":2946.433155096255,"taxes_on_exit_total":0,"details":{"distrib_yield":0.047,"reval_rate":0,"entry_fee":0.1,"ongoing_fee":0,"ongoing_fee_applied_to_capital":false,"entry_fee_amort_years":5,"entry_fee_total":4600,"entry_fee_applied_to_capital":true,"entry_fee_model":"per_contribution_once","capital_subscribed_net_of_entry_fee":41400,"applied_regime":"none","scpi_income_tax_rate":0,"property_income_social_contributions":0.172,"fiscality_model":"scpi_fr_property_income_v1_net_of_fees","exit_tax_unmodeled":true,"income_net_cumulated":23960.22801324291,"income_gross_cumulated":23960.22801324291,"capital_before_exit_tax":65360.228013242915,"capital_after_exit_tax":65360.228013242915,"scpi_kpi_contract_version":1},"fiscality_debug":{"applied_regime":"none","scpi_income_tax_rate":0,"property_income_social_contributions":0.172,"exit_tax_unmodeled":true,"ongoing_fee_doctrine":"informative_only_not_applied_to_capital","limitations":["Hypothèse SCPI française pour un résident fiscal français.","distrib_yield = Taux de Distribution ASPIM net de frais de gestion SCPI, avant fiscalité.","ongoing_fee_pct : informatif uniquement, déjà intégré dans le TD (P6.1).","Frais d'entrée : modèle per_contribution_once — déduits une seule fois sur chaque versement (P8).","Revenus distribués modélisés comme revenus fonciers : TMI + prélèvements sociaux 17,2 %.","Fiscalité de sortie sur plus-value immobilière non modélisée en V1.","SCPI européennes, fiscalité étrangère, conventions fiscales et SCPI fiscales non couvertes en V1."],"scpi_v2_required_fields":["prix_acquisition_part","prix_cession_hypothese","duree_detention_ans","taxable_pv_immobiliere","abattement_duree_detention","ir_pv_immo_rate","ps_pv_immo_rate","exit_tax_total"],"total_invested":46000,"taxes_on_income_total":0,"taxes_on_exit_total":0,"total_taxes":0,"estimated_value_net":65360.228013242915,"estimated_value_gross":65360.228013242915,"estimated_value_gross_bridge":65360.228013242915,"economic_gain_net":19360.228013242915,"economic_gain_gross":19360.228013242915,"economic_gain_gross_bridge":19360.228013242915,"invariant_ok":true},"currency":"EUR","name":"Buroboutic","short_description":"SCPI diversifiée en commerces et bureaux (SCPI de rendement à capital variable).","long_description":"Buroboutic est une SCPI de rendement à capital variable, lancée en 1986 et gérée par Fiducial Gérance. Elle investit de manière diversifiée dans des actifs tertiaires, principalement des commerces et des bureaux, avec une logique de mutualisation des risques locatifs en France. Issue du regroupement de plusieurs SCPI, elle vise une répartition sectorielle et géographique équilibrée et s’appuie sur une gestion locative orientée rendement. Son patrimoine inclut aussi des locaux d’activité, afin de lisser l’exposition aux cycles immobiliers.","liquidity_level":"medium","kpis":{"yield_pct":4.7,"entry_fee_pct":10,"min_investment_eur":330,"income_start_delay_months":5,"income_distribution_ratio":0.8,"revaluation_potential_pct":0,"liquidity_label":"medium","exit_delay_label":"medium","liquidity":"Moyenne","risk_amf":3},"source":{"publisher":"Louve Invest","redirect_url":"https://www.fiducial-gerance.fr/investir-en-scpi/nos-scpi/buroboutic-metropoles","source_url":"screens://scpi-buroboutic/2026-01-22_buroboutic_louveinvest"},"tips":{"advantages":["Ticket d'entrée accessible parmi les SCPI."],"vigilances":["Rendement inférieur à la moyenne des SCPI."],"ideal_if":[],"avoid_if":["À éviter si vous recherchez un rendement élevé."],"status":"ok","version":"v2","updated_at":"2026-03-24T16:52:56.01+00:00","display":{"advantages":["Ticket d'entrée accessible parmi les SCPI."],"vigilances":["Rendement inférieur à la moyenne des SCPI."],"ideal_if":[],"avoid_if":["À éviter si vous recherchez un rendement élevé."]},"basics":{"advantages":["Ticket d'entrée accessible parmi les SCPI."],"vigilances":["Rendement inférieur à la moyenne des SCPI."],"ideal_if":[],"avoid_if":["À éviter si vous recherchez un rendement élevé."]}},"risks":[{"risk_code":"capital_loss","title":"Risque de perte en capital","description_long":"La valeur des parts peut fluctuer en fonction de la valorisation du patrimoine immobilier et des conditions économiques.","family_key":"scpi"},{"risk_code":"income_variability","title":"Revenus non garantis","description_long":"Les revenus distribués dépendent des loyers encaissés et du taux d’occupation des actifs. Ils peuvent évoluer à la hausse comme à la baisse.","family_key":"scpi"},{"risk_code":"leverage","title":"Risque lié à l’endettement","description_long":"L’utilisation éventuelle d’effet de levier peut amplifier les performances, mais aussi les pertes en cas de retournement de marché.","family_key":"scpi"},{"risk_code":"liquidity","title":"Risque de liquidité","description_long":"Les parts de SCPI ne sont pas cotées en continu. La revente peut nécessiter un délai variable selon les conditions du marché et l’équilibre offre/demande.","family_key":"scpi"},{"risk_code":"tax_evolution","title":"Risque fiscal","description_long":"La fiscalité applicable aux revenus fonciers et aux plus-values immobilières peut évoluer dans le temps.","family_key":"scpi"}],"total_invested":46000,"income_net_cumulated":23960.22801324291,"income_gross_cumulated":23960.22801324291,"taxes_on_income_total":0,"taxes_paid_total":0,"total_taxes":0,"estimated_value_net":65360.228013242915,"estimated_value":65360.228013242915,"final_value":65360.228013242915,"terminal_value":65360.228013242915,"estimated_value_label_context":"net","estimated_value_gross":65360.228013242915,"estimated_value_gross_bridge":65360.228013242915,"revenue_net_monthly":245.53609625802127,"monthly_income_net":245.53609625802127,"income_distributed_net_monthly":245.53609625802127,"income_distributed_net_annual":2946.433155096255,"annual_net_gain":2946.433155096255,"economic_gain_net":19360.228013242915,"economic_gain_gross":19360.228013242915,"economic_gain_total":19360.228013242915,"economic_gain_gross_bridge":19360.228013242915,"projection_canon":[{"year":1,"value":{"net":11654.713874814674,"gross_bridge":11160},"income_flow":{"net_annual":494.7138748146748,"gross_annual":494.7138748146748},"gain":{"net":-745.2861251853265,"gross_bridge":-1240},"taxes_if_sold":{"total":null}},{"year":2,"value":{"net":14436.415677226276,"gross_bridge":13320},"income_flow":{"net_annual":621.7018024116032,"gross_annual":621.7018024116032},"gain":{"net":-363.5843227737241,"gross_bridge":-1480},"taxes_if_sold":{"total":null}},{"year":3,"value":{"net":17351.179859893662,"gross_bridge":15480},"income_flow":{"net_annual":754.7641826673852,"gross_annual":754.7641826673852},"gain":{"net":151.17985989366207,"gross_bridge":-1720},"taxes_if_sold":{"total":null}},{"year":4,"value":{"net":20405.371446207897,"gross_bridge":17640},"income_flow":{"net_annual":894.1915863142382,"gross_annual":894.1915863142382},"gain":{"net":805.371446207897,"gross_bridge":-1960},"taxes_if_sold":{"total":null}},{"year":5,"value":{"net":23605.659929709254,"gross_bridge":19800},"income_flow":{"net_annual":1040.2884835013583,"gross_annual":1040.2884835013583},"gain":{"net":1605.6599297092544,"gross_bridge":-2200},"taxes_if_sold":{"total":null}},{"year":6,"value":{"net":26959.03383838116,"gross_bridge":21960},"income_flow":{"net_annual":1193.3739086719052,"gross_annual":1193.3739086719052},"gain":{"net":2559.0338383811613,"gross_bridge":-2440},"taxes_if_sold":{"total":null}},{"year":7,"value":{"net":30472.81599562546,"gross_bridge":24120},"income_flow":{"net_annual":1353.7821572443,"gross_annual":1353.7821572443},"gain":{"net":3672.8159956254603,"gross_bridge":-2680},"taxes_if_sold":{"total":null}},{"year":8,"value":{"net":34154.67951124464,"gross_bridge":26280},"income_flow":{"net_annual":1521.86351561919,"gross_annual":1521.86351561919},"gain":{"net":4954.679511244642,"gross_bridge":-2920},"taxes_if_sold":{"total":null}},{"year":9,"value":{"net":38012.66453735086,"gross_bridge":28440},"income_flow":{"net_annual":1697.9850261062143,"gross_annual":1697.9850261062143},"gain":{"net":6412.664537350858,"gross_bridge":-3160},"taxes_if_sold":{"total":null}},{"year":10,"value":{"net":42055.19582579181,"gross_bridge":30600},"income_flow":{"net_annual":1882.5312884409495,"gross_annual":1882.5312884409495},"gain":{"net":8055.195825791809,"gross_bridge":-3400},"taxes_if_sold":{"total":null}},{"year":11,"value":{"net":46291.101125434136,"gross_bridge":32760},"income_flow":{"net_annual":2075.9052996423243,"gross_annual":2075.9052996423243},"gain":{"net":9891.101125434136,"gross_bridge":-3640},"taxes_if_sold":{"total":null}},{"year":12,"value":{"net":50729.630459478656,"gross_bridge":34920},"income_flow":{"net_annual":2278.529334044517,"gross_annual":2278.529334044517},"gain":{"net":11929.630459478656,"gross_bridge":-3880},"taxes_if_sold":{"total":null}},{"year":13,"value":{"net":55380.47632490373,"gross_bridge":37080},"income_flow":{"net_annual":2490.8458654250735,"gross_annual":2490.8458654250735},"gain":{"net":14180.476324903728,"gross_bridge":-4120},"taxes_if_sold":{"total":null}},{"year":14,"value":{"net":60253.794858146655,"gross_bridge":39240},"income_flow":{"net_annual":2713.3185332429202,"gross_annual":2713.3185332429202},"gain":{"net":16653.794858146655,"gross_bridge":-4360},"taxes_if_sold":{"total":null}},{"year":15,"value":{"net":65360.228013242915,"gross_bridge":41400},"income_flow":{"net_annual":2946.433155096255,"gross_annual":2946.433155096255},"gain":{"net":19360.228013242915,"gross_bridge":-4600},"taxes_if_sold":{"total":null}}],"family_label":"SCPI","liquidity_label":"medium","liquidity":{"title":"Moyenne"},"fiscality_hypothesis_short":"Simulation hors fiscalité : les montants sont présentés avant impact fiscal.","yield_label":"4,7 %","risk_label":"Risque 3/7","fees_label":"entrée 10 %","kind":"real","is_custom_reference":false,"source_url":"screens://scpi-buroboutic/2026-01-22_buroboutic_louveinvest"},{"slug":"scpi-cristal-life","label":"SCPI Cristal Life","family":"scpi","risk_amf":3,"projection":[{"year":1,"capital_gross":11021.12,"capital_net":11705.435547000223,"income_gross":677.5401455447736,"income_net":677.5401455447736},{"year":2,"capital_gross":13264.451200000001,"capital_net":14836.599333224809,"income_gross":872.266763123351,"income_net":872.266763123351},{"year":3,"capital_gross":15530.215712000001,"capital_net":18211.028570275626,"income_gross":1082.1220234837344,"income_net":1082.1220234837344},{"year":4,"capital_gross":17818.63786912,"capital_net":21847.622965611623,"income_gross":1308.281296666577,"income_net":1308.281296666577},{"year":5,"capital_gross":20129.9442478112,"capital_net":25766.750577173992,"income_gross":1552.0112692141097,"income_net":1552.0112692141097},{"year":6,"capital_gross":22464.363690289312,"capital_net":29990.361892037556,"income_gross":1814.6770387047761,"income_net":1814.6770387047761},{"year":7,"capital_gross":24822.127327192207,"capital_net":34542.11276802703,"income_gross":2097.7497594743504,"income_net":2097.7497594743504},{"year":8,"capital_gross":27203.46860046413,"capital_net":39447.49692687692,"income_gross":2402.8148823461634,"income_net":2402.8148823461634},{"year":9,"capital_gross":29608.62328646877,"capital_net":44733.98874101089,"income_gross":2731.5810345200084,"income_net":2731.5810345200084},{"year":10,"capital_gross":32037.829519333456,"capital_net":50431.19711366931,"income_gross":3085.8895893547533,"income_net":3085.8895893547533},{"year":11,"capital_gross":34491.32781452679,"capital_net":56571.03131424612,"income_gross":3467.724979643671,"income_net":3467.724979643671},{"year":12,"capital_gross":36969.36109267206,"capital_net":63187.879697655735,"income_gross":3879.225812145703,"income_net":3879.225812145703},{"year":13,"capital_gross":39472.17470359878,"capital_net":70318.80230871214,"income_gross":4322.696845623608,"income_net":4322.696845623608},{"year":14,"capital_gross":42000.016450634765,"capital_net":78003.73845027032,"income_gross":4800.621899476302,"income_net":4800.621899476302},{"year":15,"capital_gross":44553.13661514111,"capital_net":86285.73037769052,"income_gross":5315.677765264838,"income_net":5315.677765264838}],"capital_net":86285.73037769052,"revenue_net_annual":5315.677765264838,"taxes_on_exit_total":0,"details":{"distrib_yield":0.0654,"reval_rate":0.01,"entry_fee":0.12,"ongoing_fee":0,"ongoing_fee_applied_to_capital":false,"entry_fee_amort_years":5,"entry_fee_total":5520,"entry_fee_applied_to_capital":true,"entry_fee_model":"per_contribution_once","capital_subscribed_net_of_entry_fee":40480,"applied_regime":"none","scpi_income_tax_rate":0,"property_income_social_contributions":0.172,"fiscality_model":"scpi_fr_property_income_v1_net_of_fees","exit_tax_unmodeled":true,"income_net_cumulated":39410.88110458672,"income_gross_cumulated":39410.88110458672,"capital_before_exit_tax":86285.73037769052,"capital_after_exit_tax":86285.73037769052,"scpi_kpi_contract_version":1},"fiscality_debug":{"applied_regime":"none","scpi_income_tax_rate":0,"property_income_social_contributions":0.172,"exit_tax_unmodeled":true,"ongoing_fee_doctrine":"informative_only_not_applied_to_capital","limitations":["Hypothèse SCPI française pour un résident fiscal français.","distrib_yield = Taux de Distribution ASPIM net de frais de gestion SCPI, avant fiscalité.","ongoing_fee_pct : informatif uniquement, déjà intégré dans le TD (P6.1).","Frais d'entrée : modèle per_contribution_once — déduits une seule fois sur chaque versement (P8).","Revenus distribués modélisés comme revenus fonciers : TMI + prélèvements sociaux 17,2 %.","Fiscalité de sortie sur plus-value immobilière non modélisée en V1.","SCPI européennes, fiscalité étrangère, conventions fiscales et SCPI fiscales non couvertes en V1."],"scpi_v2_required_fields":["prix_acquisition_part","prix_cession_hypothese","duree_detention_ans","taxable_pv_immobiliere","abattement_duree_detention","ir_pv_immo_rate","ps_pv_immo_rate","exit_tax_total"],"total_invested":46000,"taxes_on_income_total":0,"taxes_on_exit_total":0,"total_taxes":0,"estimated_value_net":86285.73037769052,"estimated_value_gross":86285.73037769052,"estimated_value_gross_bridge":86285.73037769052,"economic_gain_net":40285.73037769052,"economic_gain_gross":40285.73037769052,"economic_gain_gross_bridge":40285.73037769052,"invariant_ok":true},"currency":"EUR","name":"Cristal Life","short_description":"Avec la SCPI CRISTAL Life, accédez à une sélection rigoureuse d'immobilier de santé, bureau et commerce, satisfaisant un double objectif de performance : rendement potentiel et perspective de valorisation.","long_description":"Créée en 2021, la SCPI des Besoins essentiels est la dernière-née d’Inter Gestion REIM, bénéficiant ainsi de l’expérience de la Société de gestion. Alors que les habitudes de consommation ne cessent d’évoluer, CRISTAL Life se veut attentive aux cycles économiques en concentrant ses investissements sur les biens immobiliers essentiels à la vie des personnes.","liquidity_level":"medium","kpis":{"yield_pct":6.54,"entry_fee_pct":12,"min_investment_eur":208,"income_start_delay_months":6,"income_distribution_ratio":0.8,"revaluation_potential_pct":1,"liquidity_label":"medium","exit_delay_label":"medium","liquidity":"Moyenne","risk_amf":3},"source":{"publisher":"louveinvest","redirect_url":"https://pages.inter-gestion.com/cristal-life","source_url":"screens://scpi-cristal-life/2026-01-24_cristal-life_001"},"tips":{"advantages":["Rendement au-dessus de la moyenne des SCPI.","Augmentation régulière de la valeur de part","Ticket d'entrée accessible parmi les SCPI."],"vigilances":["Frais élevés parmi les SCPI."],"ideal_if":["Si vous recherchez une performance supérieure à la moyenne des SCPI."],"avoid_if":["Si vous souhaitez minimiser les frais."],"status":"ok","version":"v2","updated_at":"2026-03-24T16:54:32.591+00:00","display":{"advantages":["Rendement au-dessus de la moyenne des SCPI.","Augmentation régulière de la valeur de part","Ticket d'entrée accessible parmi les SCPI."],"vigilances":["Frais élevés parmi les SCPI."],"ideal_if":["Si vous recherchez une performance supérieure à la moyenne des SCPI."],"avoid_if":["Si vous souhaitez minimiser les frais."]},"basics":{"advantages":["Rendement au-dessus de la moyenne des SCPI.","Augmentation régulière de la valeur de part","Ticket d'entrée accessible parmi les SCPI."],"vigilances":["Frais élevés parmi les SCPI."],"ideal_if":["Si vous recherchez une performance supérieure à la moyenne des SCPI."],"avoid_if":["Si vous souhaitez minimiser les frais."]}},"risks":[{"risk_code":"capital_loss","title":"Risque de perte en capital","description_long":"La valeur des parts peut fluctuer en fonction de la valorisation du patrimoine immobilier et des conditions économiques.","family_key":"scpi"},{"risk_code":"income_variability","title":"Revenus non garantis","description_long":"Les revenus distribués dépendent des loyers encaissés et du taux d’occupation des actifs. Ils peuvent évoluer à la hausse comme à la baisse.","family_key":"scpi"},{"risk_code":"leverage","title":"Risque lié à l’endettement","description_long":"L’utilisation éventuelle d’effet de levier peut amplifier les performances, mais aussi les pertes en cas de retournement de marché.","family_key":"scpi"},{"risk_code":"liquidity","title":"Risque de liquidité","description_long":"Les parts de SCPI ne sont pas cotées en continu. La revente peut nécessiter un délai variable selon les conditions du marché et l’équilibre offre/demande.","family_key":"scpi"},{"risk_code":"tax_evolution","title":"Risque fiscal","description_long":"La fiscalité applicable aux revenus fonciers et aux plus-values immobilières peut évoluer dans le temps.","family_key":"scpi"}],"total_invested":46000,"income_net_cumulated":39410.88110458672,"income_gross_cumulated":39410.88110458672,"taxes_on_income_total":0,"taxes_paid_total":0,"total_taxes":0,"estimated_value_net":86285.73037769052,"estimated_value":86285.73037769052,"final_value":86285.73037769052,"terminal_value":86285.73037769052,"estimated_value_label_context":"net","estimated_value_gross":86285.73037769052,"estimated_value_gross_bridge":86285.73037769052,"revenue_net_monthly":442.97314710540314,"monthly_income_net":442.97314710540314,"income_distributed_net_monthly":442.97314710540314,"income_distributed_net_annual":5315.677765264838,"annual_net_gain":5315.677765264838,"economic_gain_net":40285.73037769052,"economic_gain_gross":40285.73037769052,"economic_gain_total":40285.73037769052,"economic_gain_gross_bridge":40285.73037769052,"projection_canon":[{"year":1,"value":{"net":11705.435547000223,"gross_bridge":11021.12},"income_flow":{"net_annual":677.5401455447736,"gross_annual":677.5401455447736},"gain":{"net":-694.5644529997771,"gross_bridge":-1378.8799999999992},"taxes_if_sold":{"total":null}},{"year":2,"value":{"net":14836.599333224809,"gross_bridge":13264.451200000001},"income_flow":{"net_annual":872.266763123351,"gross_annual":872.266763123351},"gain":{"net":36.599333224809016,"gross_bridge":-1535.5487999999987},"taxes_if_sold":{"total":null}},{"year":3,"value":{"net":18211.028570275626,"gross_bridge":15530.215712000001},"income_flow":{"net_annual":1082.1220234837344,"gross_annual":1082.1220234837344},"gain":{"net":1011.0285702756264,"gross_bridge":-1669.784287999999},"taxes_if_sold":{"total":null}},{"year":4,"value":{"net":21847.622965611623,"gross_bridge":17818.63786912},"income_flow":{"net_annual":1308.281296666577,"gross_annual":1308.281296666577},"gain":{"net":2247.622965611623,"gross_bridge":-1781.3621308799993},"taxes_if_sold":{"total":null}},{"year":5,"value":{"net":25766.750577173992,"gross_bridge":20129.9442478112},"income_flow":{"net_annual":1552.0112692141097,"gross_annual":1552.0112692141097},"gain":{"net":3766.7505771739925,"gross_bridge":-1870.0557521888004},"taxes_if_sold":{"total":null}},{"year":6,"value":{"net":29990.361892037556,"gross_bridge":22464.363690289312},"income_flow":{"net_annual":1814.6770387047761,"gross_annual":1814.6770387047761},"gain":{"net":5590.361892037556,"gross_bridge":-1935.6363097106878},"taxes_if_sold":{"total":null}},{"year":7,"value":{"net":34542.11276802703,"gross_bridge":24822.127327192207},"income_flow":{"net_annual":2097.7497594743504,"gross_annual":2097.7497594743504},"gain":{"net":7742.112768027029,"gross_bridge":-1977.8726728077927},"taxes_if_sold":{"total":null}},{"year":8,"value":{"net":39447.49692687692,"gross_bridge":27203.46860046413},"income_flow":{"net_annual":2402.8148823461634,"gross_annual":2402.8148823461634},"gain":{"net":10247.49692687692,"gross_bridge":-1996.5313995358702},"taxes_if_sold":{"total":null}},{"year":9,"value":{"net":44733.98874101089,"gross_bridge":29608.62328646877},"income_flow":{"net_annual":2731.5810345200084,"gross_annual":2731.5810345200084},"gain":{"net":13133.988741010893,"gross_bridge":-1991.37671353123},"taxes_if_sold":{"total":null}},{"year":10,"value":{"net":50431.19711366931,"gross_bridge":32037.829519333456},"income_flow":{"net_annual":3085.8895893547533,"gross_annual":3085.8895893547533},"gain":{"net":16431.19711366931,"gross_bridge":-1962.1704806665439},"taxes_if_sold":{"total":null}},{"year":11,"value":{"net":56571.03131424612,"gross_bridge":34491.32781452679},"income_flow":{"net_annual":3467.724979643671,"gross_annual":3467.724979643671},"gain":{"net":20171.031314246116,"gross_bridge":-1908.6721854732095},"taxes_if_sold":{"total":null}},{"year":12,"value":{"net":63187.879697655735,"gross_bridge":36969.36109267206},"income_flow":{"net_annual":3879.225812145703,"gross_annual":3879.225812145703},"gain":{"net":24387.879697655735,"gross_bridge":-1830.6389073279424},"taxes_if_sold":{"total":null}},{"year":13,"value":{"net":70318.80230871214,"gross_bridge":39472.17470359878},"income_flow":{"net_annual":4322.696845623608,"gross_annual":4322.696845623608},"gain":{"net":29118.80230871214,"gross_bridge":-1727.8252964012208},"taxes_if_sold":{"total":null}},{"year":14,"value":{"net":78003.73845027032,"gross_bridge":42000.016450634765},"income_flow":{"net_annual":4800.621899476302,"gross_annual":4800.621899476302},"gain":{"net":34403.73845027032,"gross_bridge":-1599.9835493652354},"taxes_if_sold":{"total":null}},{"year":15,"value":{"net":86285.73037769052,"gross_bridge":44553.13661514111},"income_flow":{"net_annual":5315.677765264838,"gross_annual":5315.677765264838},"gain":{"net":40285.73037769052,"gross_bridge":-1446.863384858887},"taxes_if_sold":{"total":null}}],"family_label":"SCPI","liquidity_label":"medium","liquidity":{"title":"Moyenne"},"fiscality_hypothesis_short":"Simulation hors fiscalité : les montants sont présentés avant impact fiscal.","yield_label":"6,54 %","risk_label":"Risque 3/7","fees_label":"entrée 12 %","kind":"real","is_custom_reference":false,"source_url":"screens://scpi-cristal-life/2026-01-24_cristal-life_001"}]