The farmers are facing a mountain of challenges, yet, they mount many projects or to diversify their income and become less dependent on subsidies, or the big distribution.
Your savings can help launch and sustain their activities. Those who seek the closeness and the sense in their investments, the resources produced by the earth offer a variety of solutions : forests, vineyards, farmland… and even cows. No need to be an expert, but the attraction to the world of agriculture and a minimum of knowledge are a plus to make your choice. The time that you plan to spend is also a criterion, depending on whether you buy direct or not, and your level of involvement.
Support the economic development of campaigns
Other parameter : the amount you wish to invest. Again, with the tracks that we present, the range is wide, from 1 500 to 20 000 euros. In any case, it is direct up to 10% of your wealth to the earth and thus help the economic development of the campaigns.
above all, don’t expect annual returns greater than 3 % ! Local and national actors to ensure that this breath of fresh air as is your support doesn’t create an imbalance in the fragile agricultural ecosystem or forest.
In fact, each year, the number of hectares of forest and acres of cultivated land available for investment is limited. You are part of an equation in which the objective is either to bring the farmer to develop his farm or become, long-term, fully owner, can either contribute to the maintenance and diversity of plant species in the territory.
in other words, if you’re looking for a quick gain, this type of investment is not for you. As well as, to recover your capital, it must be immobilized for several years. On the other hand, time is your ally. The risk of loss is limited, unless you have been little attentive to the project to be financed.
The forests, the asset transmission
seeking diversification and tax and estate, don’t be afraid to have the hand green. A few hectares of forest will allow you to grow slowly, but surely, a part of your heritage.
You can achieve this investment in the direct purchasing of plots, but we advise you to subscribe a group. “The forest is not a risk-free investment, the best way to protect yourself is still to the pool by buying units of groups forest investing in massive different,” says Christine Chiozza-Vauterin, head of the real estate offer of Banque Privée 1818.
You get to the entrance to a reduction of income tax, within the limit of four hectares, amounting to 18 % of the investment, subject to a ceiling of 5,700 euros for a single person, as well as a reduction of the solidarity tax on wealth (ISF) equal to 50 % of the amount subscribed, in the limit of 90,000 euros.
You also have a tax reduction of 76 % of your insurance premiums “risk storm” within the limit of € 6 per hectare in 2017 and tax credits extra if you agree to work or pay remunerations for the management of the wood.
Next ISF, as in the case of gift tax and inheritance tax, an abatement of 75 % is applicable on the value of the units. The rental value cadastral of your forests is taxable on the income, but remains low. In return, the income tax cuts of wood, distributed annually, are not taxed. The capital gains on the sale are exempt after twenty-two years (thirty for the social contributions).
Ticket : 5 000 €. Yield : 1 to 3 %. Risk of loss of capital : moderate to high
The wine investment at pleasure
for fans of nectars French. Reserved for investors seeking an investment that is “fun”, the groups land vineyards (GFV) can be used to purchase one or more units of prestigious vineyards and, in some cases, to receive a part of this production in nature.
“In general, the origin of a GFV is the demand of an operator-the wine grower in a financial year who wishes to acquire a new plot of land to increase its production capacity,” says Frédéric Tripier, wealth management advisory network Fiducée Gestion Privée, to Reims.
The group, which you become a partner, buys land and rents it to the operator. This lease rural is called the rent.
“The value of the assets will occur primarily through the valuation of the land to a horizon of fifteen or twenty years, rather than by the performance of the operation,” says Christine Chiozza-Vauterin. The latter can take two forms. “Some editors operations favor large investments with a return paid in cash. Others prefer groups of a more modest size with a return paid in bottles,” says Frédéric Tripier.
In general, the associates also benefit from a structure of trade in wine between several groups. Choose quality vineyards : more the name is prestigious, the more the units are expensive (count for example 80 000 euros per share for pomerol), but the more they are brought to sell in time.
They are exempt from wealth tax at 75 % in the limit of 101 897 euros in 2017, and by 50 % beyond. Idem, in matters of succession-donation. The gains on resale are subject to the regime of capital gains on real estate.
entrance Ticket : 20 000 €. Yield : 2 to 3 %. Risk of capital loss : moderate
The land tenure, productive land
In 2016, 200 000 properties in rural areas have been sold, according to the national Federation of societies of land-use and settlement rural (FNSafer). This is especially in the northern regions of France that one finds the more of farms operating lease. You buy an agricultural land to entrust the operation to a farmer. In return, it pays you an agreed rent in advance.
You sign a lease for a term of nine years, automatically renewed. There are two types of agricultural land likely to be acquired by lease, the property free and property leased. The first correspond to plots that are not or are no longer exploited, the seconds, to the cultivated plots. Inform yourself on this status.
“The farmer who operates the land leased has a right of pre-emption, warns Robert Levesque, director of studies of the FNSafer. The individual can only buy if the farmer does not exercise its right.” The lease is governed by the rural Code, which gives a central role to the Safer. On one hand, they can sell land and retain the buyer who offers the installation of a young farmer. On the other, they can pre-empt land on sale if a project goes against the interests of farming. They then intervened in order to allow an operation to expand with new stores or to negotiate the price to return to the level of the market in case of runaway. In 2016, there has been nearly 1,000 préemptions, representing 0.5% of the transactions.
entrance Ticket : 2 500 €. Yield : 2 to 3 %. Risk of capital loss : moderate
Buy a cow, a guaranteed-capital
don’t worry, you’re not going to become a breeder. The holder of a certificate of ownership, you can rent one or several cows from a breeder. Not just any cow : a dairy ! “Unlike a cow, meat, milk allows the farmer to get a return on its breeding,” says Victor Chabot, director of operations at Gestel, a company specializing in the rental of the cows. The breeder retains, in effect, the revenue from the sale of the milk.
“It nourishes and makes to grow the cow,” says Maxime Camus, director general of Finansemble.fr a site of advice in wealth management. It ensures that each has of the calves and heifers to grow the herd.” Thanks to this progeny, the breeder becomes the owner of the male calves, who will end up at the slaughterhouse, and a portion of the heifers, the other you returning according to a distribution defined from the inception of the lease. You are also free to keep them or sell them to a breeder or to any other person. The cow is a capital guarantee.
“The farmer has insurance to replace an animal which dies by accident,” says Maxime Camus. And if this is “old”, a new heifer takes its place.” Thus, whatever happens, you remain the owner for the same amount, more offspring, until you decide to sell. As to taxation, it is favorable. “The amount invested is amortized over ten years,” points out Victor Chabot. In other words, it is a low-taxed.
Read our complete file
What shares and mutual Fund income? Eight solutions to become annuitant Investments: good advice for investing in 2018
Ticket : 1 450 €. Yield : 2 to 3 %. Risk of capital loss : none