{"id":54162,"date":"2024-04-04T15:42:59","date_gmt":"2024-04-04T13:42:59","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/placements\/?p=54162"},"modified":"2025-06-19T15:00:23","modified_gmt":"2025-06-19T13:00:23","slug":"fonds-immobiliers","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/placements\/fonds-immobiliers.html","title":{"rendered":"Fonds immobiliers en assurance vie et PER : le guide complet"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Fonds_immobiliers_ou_UC_definition_et_fonctionnement\"><\/span>Fonds immobiliers ou UC : d\u00e9finition et fonctionnement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Les unit\u00e9s de compte immobili\u00e8res (UC immobili\u00e8res), ou fonds immobiliers en unit\u00e9s de compte, permettent d\u2019exposer une partie de son patrimoine, de fa\u00e7on diversifi\u00e9e, dans l\u2019immobilier<\/strong>, tout en b\u00e9n\u00e9ficiant du r\u00e9gime fiscal de l\u2019enveloppe qui contient le ou les fonds (assurance vie, PER).<\/p>\n<p>Il existe <strong>diff\u00e9rentes cat\u00e9gories de fonds de placement que l\u2019on peut souscrire dans les <a href=\"https:\/\/www.toutsurmesfinances.com\/placements\/assurance-vie-fonctionnement-et-explications.html\">contrats d\u2019assurance vie<\/a> multisupports et dans les <a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/plan-epargne-retraite-per.html\">plans d\u2019\u00e9pargne retraite (PER)<\/a><\/strong> :<\/p>\n<ul>\n<li>les OPCI grand public (organismes de placement collectif en immobilier)<\/li>\n<li>les soci\u00e9t\u00e9s civiles ou soci\u00e9t\u00e9s civiles immobili\u00e8res en unit\u00e9s de compte (SC-UC ou SCI en UC)<\/li>\n<li>les <a href=\"https:\/\/www.toutsurmesfinances.com\/placements\/scpi-definition-avantages-et-risques-de-ce-placement-immobilier.html\">soci\u00e9t\u00e9s civiles de placement immobilier (SCPI)<\/a><\/li>\n<li>les OPC immobiliers (Sicav et FCP investis dans des fonci\u00e8res cot\u00e9es en Bourse en France et \u00e0 l\u2019\u00e9tranger)<\/li>\n<li>les ETF immobiliers (fonds indiciels cot\u00e9s en continu, investis dans des fonci\u00e8res, \u00e9galement cot\u00e9es)<\/li>\n<\/ul>\n<p>Certains de ces supports ont \u00e9t\u00e9 sp\u00e9cialement con\u00e7us pour \u00eatre log\u00e9s dans les contrats d\u2019assurance vie\u00a0: c\u2019est le cas des OPCI grand public et, plus r\u00e9cemment, des SC\/SCI (sauf exceptions).<\/p>\n<p><strong>Tous ces fonds sont des placements collectifs\u00a0: ils sont vou\u00e9s \u00e0 faire travailler l\u2019argent d\u2019un grand nombre de titulaires de contrats d\u2019assurance vie et ou de PER.<\/strong> Ils sont g\u00e9r\u00e9s par des soci\u00e9t\u00e9s de gestion de portefeuille (SGP) agr\u00e9\u00e9es par l\u2019Autorit\u00e9 des march\u00e9s financiers (AMF), ind\u00e9pendantes, filiales de banques ou de compagnies d\u2019assurance.<\/p>\n<p>On pourrait compl\u00e9ter la liste ci-dessus, par extension, par les fonci\u00e8res cot\u00e9es pouvant \u00eatre souscrites en tant que titres vifs (actions en direct) dans les contrats qui le permettent. Le m\u00e9tier des fonci\u00e8res cot\u00e9es consiste \u00e0 g\u00e9rer un patrimoine locatif.<\/p>\n<p>Ces fonds ne peuvent pas \u00eatre souscrits dans le cadre d\u2019un<a href=\"https:\/\/www.toutsurmesfinances.com\/bourse\/a\/le-pea\"> plan d\u2019\u00e9pargne en actions (PEA)<\/a>.<\/p>\n<p>L\u2019OPCI fait partie des placements de type \u00ab pierre-papier \u00bb permettant d\u2019investir indirectement dans l\u2019immobilier, sans les soucis de la gestion locative.<\/p>\n<p>Le capital investi dans un fonds immobilier n&rsquo;est pas garanti (il y a un risque de perte). Sur l&rsquo;\u00e9chelle de risque standard de 1 \u00e0 7 (classification AMF), un fonds immobilier se situe au niveau 2, 3 ou 4. <strong>En 2023, la performance moyenne des SC et des OPCI a \u00e9t\u00e9 n\u00e9gative, dans un contexte de correction de la valorisation des immeubles<\/strong>, cons\u00e9cutive \u00e0 la remont\u00e9e des taux d\u2019int\u00e9r\u00eat.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Les_differents_types_de_fonds_immobiliers_SC_OPCI_SCPI_Sicav_et_FCP\"><\/span>Les diff\u00e9rents types de fonds immobiliers : SC, OPCI, SCPI, Sicav et FCP<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>Comparatif des diff\u00e9rents fonds<\/h3>\n<div id=\"tablepress-81-scroll-wrapper\" class=\"tablepress-scroll-wrapper\">\n\n<table id=\"tablepress-81\" class=\"tablepress tablepress-id-81 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Caract\u00e9ristiques<\/th><th class=\"column-2\">SCPI<\/th><th class=\"column-3\">OPCI grand public<\/th><th class=\"column-4\">SC\/UC<\/th><th class=\"column-5\">OPC<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Nature du fonds<\/td><td class=\"column-2\">Soci\u00e9t\u00e9 civile de placement immobilier<\/td><td class=\"column-3\">Organisme de placement collectif immobilier<\/td><td class=\"column-4\">Soci\u00e9t\u00e9 civile en unit\u00e9s de compte<\/td><td class=\"column-5\">Sicav, FCP, ETF<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Objectif principal<\/td><td class=\"column-2\">Acquisition et gestion d'un patrimoine immobilier g\u00e9n\u00e9rateur de loyers<\/td><td class=\"column-3\">Investissement dans l'immobilier (60%) et les actifs financiers (40%)<\/td><td class=\"column-4\">Investissement dans des actifs immobiliers et\/ou financiers, selon la strat\u00e9gie d\u00e9finie par la soci\u00e9t\u00e9 de gestion<\/td><td class=\"column-5\">Achat de parts de fonci\u00e8res cot\u00e9es<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Diversification<\/td><td class=\"column-2\">Oui<\/td><td class=\"column-3\">Oui<\/td><td class=\"column-4\">Oui<\/td><td class=\"column-5\">Oui<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Gestion locative<\/td><td class=\"column-2\">Prise en charge par la soci\u00e9t\u00e9 de gestion<\/td><td class=\"column-3\">Prise en charge par la soci\u00e9t\u00e9 de gestion<\/td><td class=\"column-4\">Prise en charge par la soci\u00e9t\u00e9 de gestion<\/td><td class=\"column-5\">n.a.<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Composition du fonds<\/td><td class=\"column-2\">Immobilier locatif (sauf cash non investi)<\/td><td class=\"column-3\">Immobilier (60%) et actifs financiers (40%)<\/td><td class=\"column-4\">Actifs immobiliers et\/ou financiers<\/td><td class=\"column-5\">Actions de fonci\u00e8res cot\u00e9es, cash<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">Limite de travaux<\/td><td class=\"column-2\">15% de la valeur de march\u00e9 du patrimoine immobilier<\/td><td class=\"column-3\">-<\/td><td class=\"column-4\">-<\/td><td class=\"column-5\">n.a.<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">Volatilit\u00e9 des performances<\/td><td class=\"column-2\">Faible<\/td><td class=\"column-3\">Moyenne (en raison de la poche d'actifs financiers)<\/td><td class=\"column-4\">Variable (selon la strat\u00e9gie d'investissement)<\/td><td class=\"column-5\">Importante<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">Modes de souscription<\/td><td class=\"column-2\">\u00c0 cr\u00e9dit, en d\u00e9membrement de propri\u00e9t\u00e9, en versements programm\u00e9s, en assurance vie\/PER<\/td><td class=\"column-3\">Compte-titres, assurance vie, PER<\/td><td class=\"column-4\">Via une enveloppe (assurance vie, PER)<\/td><td class=\"column-5\">Assurance vie, PER, comtpe-titres<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">Fiscalit\u00e9<\/td><td class=\"column-2\">R\u00e9gime des revenus fonciers (hors enveloppe)<\/td><td class=\"column-3\">R\u00e9gime fiscal de l'enveloppe utilis\u00e9e pour investir. En compte-titres : r\u00e9gime diff\u00e9rent selon le type d'OPCI (FPI ou SPPICAV) <\/td><td class=\"column-4\">R\u00e9gime fiscal de l'enveloppe utilis\u00e9e pour investir<\/td><td class=\"column-5\">Revenus mobiliers ou r\u00e9gime de l'enveloppe utilis\u00e9e<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">Potentiel de cr\u00e9ation de valeur<\/td><td class=\"column-2\">Compl\u00e9ment de revenus imm\u00e9diat ou diff\u00e9r\u00e9<\/td><td class=\"column-3\">Valorisation du prix de la part et versement de dividendes<\/td><td class=\"column-4\">Valorisation du prix de la part<\/td><td class=\"column-5\">Valorisation du prix de la part<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div><!-- #tablepress-81 from cache -->\n<p>Lorsqu&rsquo;il s&rsquo;agit d&rsquo;investir dans l&rsquo;immobilier \u00e0 travers une assurance vie ou un plan d&rsquo;\u00e9pargne retraite (PER), plusieurs options s&rsquo;offrent \u00e0 l\u2019\u00e9pargnant : les soci\u00e9t\u00e9s civiles de placement immobilier (SCPI), les organismes de placement collectif immobilier (OPCI) accessibles au grand public, les soci\u00e9t\u00e9s civiles en unit\u00e9s de compte (SC\/UC) et les OPC immobiliers (organismes de placement collectif).<\/p>\n<p>Le tableau ci-dessous permet de comparer leurs principales caract\u00e9ristiques en un coup d\u2019\u0153il.<\/p>\n<h3>SC en unit\u00e9 de compte : l\u2019essentiel \u00e0 savoir<\/h3>\n<p><strong>La soci\u00e9t\u00e9 civile en unit\u00e9s de compte est un support d&rsquo;investissement non cot\u00e9 en bourse<\/strong> qui permet :<\/p>\n<ul>\n<li>de diversifier un patrimoine gr\u00e2ce \u00e0 une large palette d&rsquo;actifs immobiliers ou d\u2019actifs financiers ayant une composante immobili\u00e8re<\/li>\n<li>tout en b\u00e9n\u00e9ficiant des avantages fiscaux de l&rsquo;assurance vie ou du PER<\/li>\n<\/ul>\n<p>Une soci\u00e9t\u00e9 civile en unit\u00e9s de compte est un fonds de placement qui investit dans diff\u00e9rents types d&rsquo;actifs immobiliers, tels que des immeubles en direct, des soci\u00e9t\u00e9s civiles de placement immobilier (SCPI), des organismes de placement collectif en immobilier (OPCI), des fonci\u00e8res cot\u00e9es ou encore des OPC immobiliers (Sicav et FCP investis dans des fonci\u00e8res cot\u00e9es en France et \u00e0 l&rsquo;\u00e9tranger). Pour assurer la liquidit\u00e9 des fonds, les SC d\u00e9tiennent g\u00e9n\u00e9ralement une poche d\u2019actifs financiers (fonds mon\u00e9taires par exemple) et de cash.<\/p>\n<p>Cette diversification permet aux \u00e9pargnants de b\u00e9n\u00e9ficier d&rsquo;une exposition vari\u00e9e aux march\u00e9s immobiliers.<\/p>\n<p>Les soci\u00e9t\u00e9s civiles supports d&rsquo;unit\u00e9s de compte peuvent prendre diff\u00e9rentes formes juridiques, telles que :<\/p>\n<ul>\n<li>soci\u00e9t\u00e9 civile (SC)<\/li>\n<li>soci\u00e9t\u00e9 civile immobili\u00e8re (SCI)<\/li>\n<li>soci\u00e9t\u00e9 civile de portefeuille (SCP)<\/li>\n<\/ul>\n<p>Une SC ou SCI en UC est g\u00e9r\u00e9e par une soci\u00e9t\u00e9 de gestion de portefeuille (SGP) agr\u00e9\u00e9e par l&rsquo;Autorit\u00e9 des march\u00e9s financiers (AMF).<\/p>\n<p><strong>La fiscalit\u00e9 applicable aux SC-UC d\u00e9pend de l&rsquo;enveloppe fiscale dans laquelle elles ont \u00e9t\u00e9 souscrites, \u00e0 savoir le contrat d&rsquo;assurance vie, le contrat de capitalisation ou le PER.<\/strong><\/p>\n<h3>OPCI grand public : les particularit\u00e9s \u00e0 conna\u00eetre<\/h3>\n<p><strong>Un OPCI grand public est un type de fonds de placement immobilier apparu en 2008, accessible aux particuliers au travers de l&rsquo;assurance vie, du PER, d\u2019un compte-titres ordinaire (ou CTO).<\/strong> L\u2019assurance vie est leur principal circuit de distribution.<\/p>\n<p>Les OPCI grand public doivent investir au moins 60% dans l&rsquo;immobilier et jusqu&rsquo;\u00e0 40% dans des actifs financiers, y compris une poche de liquidit\u00e9s (5%). Cela signifie :<\/p>\n<ul>\n<li>que la part investie en actifs financiers peut entra\u00eener une volatilit\u00e9 importante des performances (variations \u00e0 la hausse comme \u00e0 la baisse)<\/li>\n<li>que <strong>les OPCI ne sont pas int\u00e9gralement expos\u00e9s aux march\u00e9s immobiliers<\/strong><\/li>\n<li>qu\u2019il y a, au sein d\u2019un OPCI grand public, trois sources de performance (ou de contreperformance) : la valorisation de l\u2019immobilier, la valorisation des actifs financiers, la r\u00e9mun\u00e9ration du cash<\/li>\n<\/ul>\n<p>La gestion d\u2019un OPCI grand public est effectu\u00e9e par une soci\u00e9t\u00e9 de gestion de portefeuille (SGP), agr\u00e9\u00e9e par l&rsquo;Autorit\u00e9 des March\u00e9s Financiers (AMF). Il peut s\u2019agir d\u2019une filiale de banque, d\u2019un assureur ou d\u2019une soci\u00e9t\u00e9 de gestion ind\u00e9pendante.<\/p>\n<h3>SCPI \u00e9ligibles \u00e0 l\u2019assurance vie et au PER<\/h3>\n<p>La soci\u00e9t\u00e9 civile de placement immobilier (SCPI) vise \u00e0 obtenir des revenus imm\u00e9diats ou diff\u00e9r\u00e9s dans le temps, au travers d\u2019un paiement de dividendes mensuels ou trimestriels.<\/p>\n<p><strong>Certaines soci\u00e9t\u00e9s civiles de placement immobilier (SCPI) peuvent \u00eatre souscrites au sein d\u2019un contrat d\u2019assurance vie ou d\u2019un PER<\/strong>. Les contrats les mieux pourvus en SCPI en comptent une trentaine.<\/p>\n<p>Dans ce cadre, le souscripteur b\u00e9n\u00e9ficie du r\u00e9gime fiscal de l\u2019assurance vie ou du PER (c\u2019est la fiscalit\u00e9 de l\u2019enveloppe qui s\u2019applique, pas celle des revenus fonciers pour les SCPI d\u00e9tenues en direct).<\/p>\n<p>Les principaux avantages de la souscription de parts de SCPI en assurance vie sont les suivants :<\/p>\n<ul>\n<li>possibilit\u00e9 d\u2019investir une somme quel que soit le prix de part (investissement dans des fractions de parts)<\/li>\n<li>liquidit\u00e9 imm\u00e9diate : c\u2019est le r\u00f4le de l\u2019assureur d\u2019assurer la liquidit\u00e9, alors que la revente hors assurance vie ou PER peut prendre plusieurs semaines \u00e0 plusieurs mois, lorsqu\u2019il n\u2019y a pas assez de souscriptions pour compenser les retraits<\/li>\n<li>captation des revenus plus rapide : le laps de temps entre la date de souscription et la date \u00e0 laquelle les premiers dividendes ou acomptes sont per\u00e7us, <a href=\"https:\/\/www.toutsurmesfinances.com\/placements\/scpi-le-delai-de-jouissance-un-differe-du-versement-du-dividende.html\">d\u00e9lai de jouissance<\/a>, est supprim\u00e9 dans le cadre de l\u2019assurance vie ou du PER, alors qu\u2019il varie entre un et six mois en cas de souscription directe<\/li>\n<\/ul>\n<p>La souscription de parts de SCPI en assurance vie ou PER pr\u00e9sente cependant quelques inconv\u00e9nients :<\/p>\n<ul>\n<li>les frais de gestion du contrat minorent la performance, d\u2019o\u00f9 l\u2019int\u00e9r\u00eat de choisir un contrat \u00e0 moindres frais<\/li>\n<li>la part des loyers revers\u00e9e \u00e0 l\u2019\u00e9pargnant peut \u00eatre r\u00e9duite, les assureurs ayant la facult\u00e9 d\u2019appr\u00e9hender jusqu\u2019\u00e0 15% des revenus per\u00e7us ; cela milite pour le choix d\u2019un contrat o\u00f9 100% des loyers sont revers\u00e9s<\/li>\n<li>la part du contrat pouvait \u00eatre allou\u00e9e aux SCPI peut \u00eatre limit\u00e9e, en montant ou en pourcentage<\/li>\n<li>le nombre de SCPI accessibles dans un contrat est limit\u00e9 aux fonds r\u00e9f\u00e9renc\u00e9s<\/li>\n<\/ul>\n<h3>Sicav et FCP immobiliers<\/h3>\n<p><strong>Les Sicav et fonds communs de placement permettent g\u00e9n\u00e9ralement d\u2019investir de fa\u00e7on diversifi\u00e9e dans des actions de soci\u00e9t\u00e9s fonci\u00e8res cot\u00e9es en Bourse de type SIIC (soci\u00e9t\u00e9s d\u2019investissement immobilier cot\u00e9es) ou Reits (\u00e9quivalents des SIIC \u00e0 l\u2019\u00e9tranger).<\/strong><\/p>\n<p>Les Sicav ou FCP immobiliers peuvent aussi \u00eatre :<\/p>\n<ul>\n<li>des fonds de fonds immobiliers (qui investissent dans d\u2019autres fonds immobiliers)<\/li>\n<li>des trackers ou ETF immobiliers qui permettent d\u2019investir avec des frais de gestion r\u00e9duits, en r\u00e9pliquant la performance d\u2019indices de fonci\u00e8res cot\u00e9es<\/li>\n<\/ul>\n<p>La valorisation de ces fonds pr\u00e9sente la particularit\u00e9 de s\u2019ajuster quasiment en temps r\u00e9el aux cycles immobiliers. C\u2019est un placement o\u00f9 le prix de part peut conna\u00eetre des fluctuations rapides et importantes.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Performances_des_UC_immobilieres\"><\/span>Performances des UC immobili\u00e8res<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>Performances moyennes des fonds immobiliers en 2023<\/h3>\n<div id=\"tablepress-82-scroll-wrapper\" class=\"tablepress-scroll-wrapper\">\n\n<table id=\"tablepress-82\" class=\"tablepress tablepress-id-82 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">&nbsp;<\/th><th class=\"column-2\">Taux de distribution 2024<\/th><th class=\"column-3\">Variation annuelle 2024<\/th><th class=\"column-4\">Performance 2024<\/th><th class=\"column-5\">Taux de distribution 2023<\/th><th class=\"column-6\">Variation annuelle 2023<\/th><th class=\"column-7\">Performance 2023<\/th>\n<\/tr>\n<\/thead>\n<tfoot>\n<tr class=\"row-6 even\">\n\t<th colspan=\"7\" class=\"column-1\">Source : Rock-n-Data, performances pr\u00e9sent\u00e9es hors frais de contrat d'assurance vie \/ PER<\/th>\n<\/tr>\n<\/tfoot>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">SCPI<\/td><td class=\"column-2\">4,72%<\/td><td class=\"column-3\">-4,5%<\/td><td class=\"column-4\">0,22%<\/td><td class=\"column-5\">4,50%<\/td><td class=\"column-6\">-5,16%<\/td><td class=\"column-7\">-0,66%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">OPCI Grand public<\/td><td class=\"column-2\">2,14%<\/td><td class=\"column-3\">-4,31%<\/td><td class=\"column-4\">-2,17%<\/td><td class=\"column-5\">1,27%<\/td><td class=\"column-6\">-7,91%<\/td><td class=\"column-7\">-6,64%<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">SC UC<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">-5,34%<\/td><td class=\"column-4\">-5,34%<\/td><td class=\"column-5\"><\/td><td class=\"column-6\">-6,03%<\/td><td class=\"column-7\">-6,03%<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Fonci\u00e8res SIIC<\/td><td class=\"column-2\">5,07%<\/td><td class=\"column-3\">2,59%<\/td><td class=\"column-4\">7,66%<\/td><td class=\"column-5\">6,21%<\/td><td class=\"column-6\">7,77%<\/td><td class=\"column-7\">13,98%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div><!-- #tablepress-82 from cache -->\n<p><strong>En 2024, les fonds immobiliers ont, en moyenne, enregistr\u00e9 des performances n\u00e9gatives<\/strong>, comme le montre le tableau ci-dessus. Cela refl\u00e8te la d\u00e9pr\u00e9ciation de la valeur des actifs qu\u2019ils d\u00e9tiennent. Les fonds de cr\u00e9ation r\u00e9cente b\u00e9n\u00e9ficient quant \u00e0 eux des conditions d&rsquo;acquisition post-crise.<\/p>\n<p>Ce contexte a provoqu\u00e9 des volumes demandes de retraits massifs pour une part importante des fonds. Cela a entra\u00een\u00e9 :<\/p>\n<ul>\n<li>des ventes forc\u00e9es d\u2019immeubles par certains fonds soumis \u00e0 une forte d\u00e9collecte<\/li>\n<li>la mise en place de m\u00e9canismes de plafonnement des rachats (aussi appel\u00e9 \u00ab gates \u00bb)<\/li>\n<li>la mise en place de commissions de rachat pour limiter les sorties (exemple : 5% pour la SC GF Pierre)<\/li>\n<li>la diminution ou la suppression des commissions de souscription ou frais d\u2019entr\u00e9e<\/li>\n<\/ul>\n<h3>Performances des soci\u00e9t\u00e9s civiles en unit\u00e9s de compte en 2024<\/h3>\n<div id=\"tablepress-84-scroll-wrapper\" class=\"tablepress-scroll-wrapper\">\n\n<table id=\"tablepress-84\" class=\"tablepress tablepress-id-84 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Soci\u00e9t\u00e9 civile en UC<\/th><th class=\"column-2\">Soci\u00e9t\u00e9 de gestion<\/th><th class=\"column-3\">Performance 2024<\/th><th class=\"column-4\">Performance 2023<\/th>\n<\/tr>\n<\/thead>\n<tfoot>\n<tr class=\"row-52 even\">\n\t<th colspan=\"4\" class=\"column-1\">Source Aspim <\/th>\n<\/tr>\n<\/tfoot>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">NAO Logistics<br \/>\n<\/td><td class=\"column-2\">Telamon<\/td><td class=\"column-3\">9,87%<\/td><td class=\"column-4\">2,11% (ann\u00e9e incompl\u00e8te)<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Iroko Next <br \/>\n<\/td><td class=\"column-2\">Iroko <\/td><td class=\"column-3\">6,21%<\/td><td class=\"column-4\">5,48%<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">SC Meilleurimmo <br \/>\n<\/td><td class=\"column-2\">Sofidy<\/td><td class=\"column-3\">5,78%<\/td><td class=\"column-4\">-0,63%<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Proxima Vie <br \/>\n<\/td><td class=\"column-2\">Eternam<\/td><td class=\"column-3\">5,60%<\/td><td class=\"column-4\">5,26%<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">ESG Tendances Pierre<\/td><td class=\"column-2\">Swiss Life AM France<\/td><td class=\"column-3\">5,11%<\/td><td class=\"column-4\">6,14%<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">SCI Territoires Avenir<br \/>\n<\/td><td class=\"column-2\">Ark\u00e9a REIM<\/td><td class=\"column-3\">4,58%<\/td><td class=\"column-4\">5,64%<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">Iroko Impact<\/td><td class=\"column-2\">Iroko <\/td><td class=\"column-3\">4,13%<\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">Viagenerations <br \/>\n<\/td><td class=\"column-2\">Turgot AM<\/td><td class=\"column-3\">4,04%<\/td><td class=\"column-4\">3,46%<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">SCI Silver Avenir <br \/>\n<\/td><td class=\"column-2\">Ark\u00e9a REIM<\/td><td class=\"column-3\">4,03%<\/td><td class=\"column-4\">6,15%<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">SC Y IMMO<\/td><td class=\"column-2\">\u00c9pop\u00e9e Gestion<\/td><td class=\"column-3\">3,77%<\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">SC Fidimmo part C <br \/>\n<\/td><td class=\"column-2\">Fiducial G\u00e9rance<\/td><td class=\"column-3\">3,39%<\/td><td class=\"column-4\">4,74%<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\">Novaxia R <br \/>\n<\/td><td class=\"column-2\">Novaxia Investissement<\/td><td class=\"column-3\">3,20%<\/td><td class=\"column-4\">2,10%<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">Allianz Immobilier Durable<\/td><td class=\"column-2\">Allianz Immovalor<\/td><td class=\"column-3\">2,75%<\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\">SC Pierre Impact <br \/>\n<\/td><td class=\"column-2\">BNP Paribas REIM France<\/td><td class=\"column-3\">2,68%<\/td><td class=\"column-4\">0,87%<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\">Carac Pespectives Immo <br \/>\n<\/td><td class=\"column-2\">Atream<\/td><td class=\"column-3\">2,62%<\/td><td class=\"column-4\">1,13%<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\">Keys S\u00e9lection Vie<\/td><td class=\"column-2\">Keys REIM<\/td><td class=\"column-3\">2,61%<\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\">\u00c9co Resid<br \/>\n<\/td><td class=\"column-2\">Ampere Gestion<\/td><td class=\"column-3\">2,33%<\/td><td class=\"column-4\">1,96% (ann\u00e9e incompl\u00e8te) <\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\">SC MCF Immocap Value <br \/>\n<\/td><td class=\"column-2\">Mata Capital<\/td><td class=\"column-3\">2,18%<\/td><td class=\"column-4\">4,77%<\/td>\n<\/tr>\n<tr class=\"row-20 even\">\n\t<td class=\"column-1\">SC MCF Immocap Value GV <br \/>\n<\/td><td class=\"column-2\">Mata Capital<\/td><td class=\"column-3\">2,04%<\/td><td class=\"column-4\">4,20%<\/td>\n<\/tr>\n<tr class=\"row-21 odd\">\n\t<td class=\"column-1\">SC Trajectoire Sant\u00e9 <br \/>\n<\/td><td class=\"column-2\">Euryale AM<\/td><td class=\"column-3\">1,99%<\/td><td class=\"column-4\">2,83%<\/td>\n<\/tr>\n<tr class=\"row-22 even\">\n\t<td class=\"column-1\">SC UC Afer Pierre <br \/>\n<\/td><td class=\"column-2\">BNP Paribas REIM France<\/td><td class=\"column-3\">1,69%<\/td><td class=\"column-4\">-10,73%<\/td>\n<\/tr>\n<tr class=\"row-23 odd\">\n\t<td class=\"column-1\">SC Advenis Immo Capital <br \/>\n<\/td><td class=\"column-2\">Advenis REIM<\/td><td class=\"column-3\">1,62%<\/td><td class=\"column-4\">-0,18%<\/td>\n<\/tr>\n<tr class=\"row-24 even\">\n\t<td class=\"column-1\">SCI Regard Immobilier 2 <br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">1,19%<\/td><td class=\"column-4\">1,71%<\/td>\n<\/tr>\n<tr class=\"row-25 odd\">\n\t<td class=\"column-1\">SCI Atream Euro Hospitality <br \/>\n<\/td><td class=\"column-2\">Atream<\/td><td class=\"column-3\">1,17%<\/td><td class=\"column-4\">3,52%<\/td>\n<\/tr>\n<tr class=\"row-26 even\">\n\t<td class=\"column-1\">GF Pierre <br \/>\n<\/td><td class=\"column-2\">Generali Real Estate<\/td><td class=\"column-3\">0,38%<\/td><td class=\"column-4\">-13,95%<\/td>\n<\/tr>\n<tr class=\"row-27 odd\">\n\t<td class=\"column-1\">SCI Regard Immobilier <br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">0,29%<\/td><td class=\"column-4\">-0,80%<\/td>\n<\/tr>\n<tr class=\"row-28 even\">\n\t<td class=\"column-1\">Amundi Immo Durable <\/td><td class=\"column-2\">Amundi Immobilier<\/td><td class=\"column-3\">0,11%<\/td><td class=\"column-4\">-4,45%<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-29 odd\">\n\t<td class=\"column-1\">SCI Linasens <br \/>\n<\/td><td class=\"column-2\">Primonial REIM France<\/td><td class=\"column-3\">0,04%<\/td><td class=\"column-4\">6,04%<\/td>\n<\/tr>\n<tr class=\"row-30 even\">\n\t<td class=\"column-1\">SC Pythagore<br \/>\n<\/td><td class=\"column-2\">Theoreim<\/td><td class=\"column-3\">0,02%<\/td><td class=\"column-4\">-11,95%<\/td>\n<\/tr>\n<tr class=\"row-31 odd\">\n\t<td class=\"column-1\">Sofidy Convictions Immobili\u00e8res <br \/>\n<\/td><td class=\"column-2\">Sofidy<\/td><td class=\"column-3\">-0,85%<\/td><td class=\"column-4\">-0,41%<\/td>\n<\/tr>\n<tr class=\"row-32 even\">\n\t<td class=\"column-1\">Perial Euro Carbone <br \/>\n<\/td><td class=\"column-2\">Perial AM<\/td><td class=\"column-3\">-0,96%<\/td><td class=\"column-4\">-10,66%<\/td>\n<\/tr>\n<tr class=\"row-33 odd\">\n\t<td class=\"column-1\">OFI Invest Patrimoine Immobilier <br \/>\n<\/td><td class=\"column-2\">OFI Invest AM<\/td><td class=\"column-3\">-1,69%<\/td><td class=\"column-4\">-10,49%<\/td>\n<\/tr>\n<tr class=\"row-34 even\">\n\t<td class=\"column-1\">SC Tangram <br \/>\n<\/td><td class=\"column-2\">Amundi Immobilier<\/td><td class=\"column-3\">-1,83%<\/td><td class=\"column-4\">-12,97%<\/td>\n<\/tr>\n<tr class=\"row-35 odd\">\n\t<td class=\"column-1\">Afer Immo <br \/>\n<\/td><td class=\"column-2\">OFI Invest AM<\/td><td class=\"column-3\">-1,85%<\/td><td class=\"column-4\">-12,03%<\/td>\n<\/tr>\n<tr class=\"row-36 even\">\n\t<td class=\"column-1\">PM Immo Trend <br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">-2,03%<\/td><td class=\"column-4\">3,11%<\/td>\n<\/tr>\n<tr class=\"row-37 odd\">\n\t<td class=\"column-1\">Afer Immo 2 <\/td><td class=\"column-2\">OFI Invest AM<\/td><td class=\"column-3\">-2,68%<\/td><td class=\"column-4\">-9,18%<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-38 even\">\n\t<td class=\"column-1\">Novaxia Vista <br \/>\n<\/td><td class=\"column-2\">Novaxia Investissement<\/td><td class=\"column-3\">-3,31%<\/td><td class=\"column-4\">-8,97%<\/td>\n<\/tr>\n<tr class=\"row-39 odd\">\n\t<td class=\"column-1\">SMA IMMO <br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">-3,85%<\/td><td class=\"column-4\">3,67%<\/td>\n<\/tr>\n<tr class=\"row-40 even\">\n\t<td class=\"column-1\">SCP CNP UC Immo <br \/>\n<br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">-3,97%<\/td><td class=\"column-4\">-11,65%<\/td>\n<\/tr>\n<tr class=\"row-41 odd\">\n\t<td class=\"column-1\">Allianz Invest Pierre <br \/>\n<\/td><td class=\"column-2\">Allianz Immovalor<\/td><td class=\"column-3\">-4,79%<\/td><td class=\"column-4\">-4,38%<\/td>\n<\/tr>\n<tr class=\"row-42 even\">\n\t<td class=\"column-1\">SCP LF OPSIS Assurances <br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">-5,82%<\/td><td class=\"column-4\">-1,18%<\/td>\n<\/tr>\n<tr class=\"row-43 odd\">\n\t<td class=\"column-1\">SCI Cap Sant\u00e9 <br \/>\n<\/td><td class=\"column-2\">Primonial REIM France<\/td><td class=\"column-3\">-5,87%<\/td><td class=\"column-4\">6,56%<\/td>\n<\/tr>\n<tr class=\"row-44 even\">\n\t<td class=\"column-1\">Allianz Value Pierre <br \/>\n<\/td><td class=\"column-2\">Allianz Immovalor<\/td><td class=\"column-3\">-6,74%<\/td><td class=\"column-4\">-19,71%<\/td>\n<\/tr>\n<tr class=\"row-45 odd\">\n\t<td class=\"column-1\">LF Tendances Immo (ex-LF Multimmo Durable)<br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">-7,19%<\/td><td class=\"column-4\"> -0,85%<\/td>\n<\/tr>\n<tr class=\"row-46 even\">\n\t<td class=\"column-1\">OFI Invest Immo Selection <br \/>\n<\/td><td class=\"column-2\">OFI Invest AM<\/td><td class=\"column-3\">-7,24%<\/td><td class=\"column-4\">-13,34%<\/td>\n<\/tr>\n<tr class=\"row-47 odd\">\n\t<td class=\"column-1\">SCI P\u00e9rennit\u00e9 Pierre <br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">-11,60%<\/td><td class=\"column-4\">-5,45%<\/td>\n<\/tr>\n<tr class=\"row-48 even\">\n\t<td class=\"column-1\">SC Qualimmo<br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">-13,16%<\/td><td class=\"column-4\">-0,09%<\/td>\n<\/tr>\n<tr class=\"row-49 odd\">\n\t<td class=\"column-1\">Primonial Capimmo <br \/>\n<\/td><td class=\"column-2\">Primonial REIM France<\/td><td class=\"column-3\">-13,59%<\/td><td class=\"column-4\">-11,55%<\/td>\n<\/tr>\n<tr class=\"row-50 even\">\n\t<td class=\"column-1\">LF Multimmo <br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">-22,32%<\/td><td class=\"column-4\">-5,75%<\/td>\n<\/tr>\n<tr class=\"row-51 odd\">\n\t<td class=\"column-1\">Performance moyenne SC en UC <\/td><td class=\"column-2\"><\/td><td class=\"column-3\">-4,7%<\/td><td class=\"column-4\">-6,8%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div><!-- #tablepress-84 from cache -->\n<h3>Performances des OPCI en 2024<\/h3>\n<div id=\"tablepress-83-scroll-wrapper\" class=\"tablepress-scroll-wrapper\">\n\n<table id=\"tablepress-83\" class=\"tablepress tablepress-id-83 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">OPCI grand public<\/th><th class=\"column-2\">Soci\u00e9t\u00e9 de gestion<\/th><th class=\"column-3\">Performance 2024<\/th><th class=\"column-4\">Performance 2023<\/th><th class=\"column-5\">Actif net fin 2024<\/th><th class=\"column-6\">Actif net fin 2023<\/th>\n<\/tr>\n<\/thead>\n<tfoot>\n<tr class=\"row-27 odd\">\n\t<th colspan=\"2\" class=\"column-1\">Source Aspim <br \/>\n* non distribu\u00e9 en assurance vie<\/th><th colspan=\"4\" class=\"column-3\"><\/th>\n<\/tr>\n<\/tfoot>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Axa Selectiv'Immo (devenu AXA Immo Avenir en f\u00e9vrier 2025)<\/td><td class=\"column-2\">AXA REIM SGP<\/td><td class=\"column-3\">3,20%<\/td><td class=\"column-4\">-4,52%<\/td><td class=\"column-5\">2742 M\u20ac<\/td><td class=\"column-6\">3041 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Axa Selectiv'Immoservice (devenu AXA Immo Avenir en f\u00e9vrier 2025)<br \/>\n<\/td><td class=\"column-2\">AXA REIM SGP<\/td><td class=\"column-3\">2,90%<\/td><td class=\"column-4\">-0,60%<\/td><td class=\"column-5\">1226 M\u20ac<\/td><td class=\"column-6\">1350 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Groupama Gan Pierre 1 <br \/>\n<\/td><td class=\"column-2\">Groupama Gan REIM<\/td><td class=\"column-3\">2,53%<\/td><td class=\"column-4\">0,73%<\/td><td class=\"column-5\">389 M\u20ac<\/td><td class=\"column-6\">398 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Silver G\u00e9n\u00e9ration <br \/>\n<\/td><td class=\"column-2\">A Plus Finance<\/td><td class=\"column-3\">2,50%<\/td><td class=\"column-4\">5,15%<\/td><td class=\"column-5\">102 M\u20ac<\/td><td class=\"column-6\">116 M\u20ac <\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">OFI Invest ISR Experimmo <br \/>\n<\/td><td class=\"column-2\">OFI Invest AM<\/td><td class=\"column-3\">2,37%<\/td><td class=\"column-4\">-3,38%<\/td><td class=\"column-5\">265 M\u20ac<\/td><td class=\"column-6\">287 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">Swisslife ESG Dynapierre <\/td><td class=\"column-2\">Swiss Life AM France<\/td><td class=\"column-3\">2,21%<\/td><td class=\"column-4\">-9,59%<\/td><td class=\"column-5\">453 M\u20ac<\/td><td class=\"column-6\">600 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">Sofidy Pierre Europe <br \/>\n<\/td><td class=\"column-2\">Sofidy <\/td><td class=\"column-3\">1,84%<\/td><td class=\"column-4\">-0,97%<\/td><td class=\"column-5\">105 M\u20ac<\/td><td class=\"column-6\">162 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">SoLiving<\/td><td class=\"column-2\">Sofidy <\/td><td class=\"column-3\">0,78%<\/td><td class=\"column-4\">-4,13%<\/td><td class=\"column-5\">46 M\u20ac<\/td><td class=\"column-6\">57 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">LF Cerenicimo +<br \/>\n<br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">0,38%<\/td><td class=\"column-4\">0,13%<\/td><td class=\"column-5\">38 M\u20ac<\/td><td class=\"column-6\">41 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">AMDG Location meul\u00e9e<\/td><td class=\"column-2\">AMDG<\/td><td class=\"column-3\">-0,02%<\/td><td class=\"column-4\"><\/td><td class=\"column-5\">8 M\u20ac<\/td><td class=\"column-6\"><\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">Franceurope Immo ISR<br \/>\n<\/td><td class=\"column-2\">AEW<\/td><td class=\"column-3\">-1,95%<\/td><td class=\"column-4\">-3,00%<\/td><td class=\"column-5\">323 M\u20ac<\/td><td class=\"column-6\">375 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\">Colivim<\/td><td class=\"column-2\">Olifan Real Estate<\/td><td class=\"column-3\">-2,35%<\/td><td class=\"column-4\"><\/td><td class=\"column-5\">23 M\u20ac<\/td><td class=\"column-6\"><\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">Amundi Transmission Immobilier <br \/>\n<\/td><td class=\"column-2\">Amundi Immobilier<\/td><td class=\"column-3\">-2,36%<\/td><td class=\"column-4\">-4,77%<\/td><td class=\"column-5\">11 M\u20ac<\/td><td class=\"column-6\">12 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\">Immanens * <\/td><td class=\"column-2\">Amundi Immobilier<\/td><td class=\"column-3\">-4,56%<\/td><td class=\"column-4\">-6,97%<br \/>\n<\/td><td class=\"column-5\">37 M\u20ac<\/td><td class=\"column-6\">48 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\">Altixia Valeur<\/td><td class=\"column-2\">Altixia Reim<\/td><td class=\"column-3\">-4,63%<\/td><td class=\"column-4\">3,74%<\/td><td class=\"column-5\">140 M\u20ac<\/td><td class=\"column-6\">157 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-17 odd\">\n\t<td class=\"column-1\">Immo Diversification ISR <br \/>\n<\/td><td class=\"column-2\">AEW<\/td><td class=\"column-3\">-4,70%<\/td><td class=\"column-4\">-1,10%<\/td><td class=\"column-5\">739 M\u20ac<\/td><td class=\"column-6\">872 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-18 even\">\n\t<td class=\"column-1\">Preim ISR<\/td><td class=\"column-2\">Praemia REIM (ex-Primonial REIM France)<\/td><td class=\"column-3\">-4,82%<\/td><td class=\"column-4\">-10,45%<\/td><td class=\"column-5\">69 M\u20ac<\/td><td class=\"column-6\">115 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-19 odd\">\n\t<td class=\"column-1\">BNP Paribas Diversipierre <\/td><td class=\"column-2\">BNP Paribas REIM France<\/td><td class=\"column-3\">-5,09%<\/td><td class=\"column-4\">-12,89%<br \/>\n<\/td><td class=\"column-5\">1585 M\u20ac<\/td><td class=\"column-6\">1816 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-20 even\">\n\t<td class=\"column-1\">LF Opsis Patrimoine <br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">-5,81%<\/td><td class=\"column-4\">-0,97%<\/td><td class=\"column-5\">108 M\u20ac<\/td><td class=\"column-6\">144 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-21 odd\">\n\t<td class=\"column-1\">EdR Immo Premium<br \/>\n<\/td><td class=\"column-2\">Edmond de Rothschild REIM<\/td><td class=\"column-3\">-6,22%<\/td><td class=\"column-4\">-15,51%<\/td><td class=\"column-5\">92 M\u20ac<\/td><td class=\"column-6\">105 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-22 even\">\n\t<td class=\"column-1\">Opcimmo <br \/>\n<br \/>\n<\/td><td class=\"column-2\">Amundi Immobilier<\/td><td class=\"column-3\">-8,13%<\/td><td class=\"column-4\">-11,84%<\/td><td class=\"column-5\">3949 M\u20ac<\/td><td class=\"column-6\">5431 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-23 odd\">\n\t<td class=\"column-1\">LF Opsis Epargne Immobili\u00e8re * <br \/>\n<\/td><td class=\"column-2\">La Fran\u00e7aise REM<\/td><td class=\"column-3\">-17,32%<\/td><td class=\"column-4\">2,06%<\/td><td class=\"column-5\">6 M\u20ac<\/td><td class=\"column-6\">9 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-24 even\">\n\t<td class=\"column-1\">Preimium <br \/>\n<\/td><td class=\"column-2\">Praemia REIM (ex-Primonial REIM France)<\/td><td class=\"column-3\">-17,63%<\/td><td class=\"column-4\">-15,05%<\/td><td class=\"column-5\">100 M\u20ac<\/td><td class=\"column-6\">153 M\u20ac<\/td>\n<\/tr>\n<tr class=\"row-25 odd\">\n\t<td class=\"column-1\">Performance moyenne<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">-2,82%<\/td><td class=\"column-4\">-7,6%<\/td><td class=\"column-5\"><\/td><td class=\"column-6\"><\/td>\n<\/tr>\n<tr class=\"row-26 even\">\n\t<td class=\"column-1\">Kyaneos R\u00e9sidentiel <br \/>\n<\/td><td class=\"column-2\">Kyaneos AM<\/td><td class=\"column-3\">n.d.<\/td><td class=\"column-4\">-0,10%<\/td><td class=\"column-5\">n.d.<\/td><td class=\"column-6\">5 M\u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<\/div><!-- #tablepress-83 from cache -->\n<h2><span class=\"ez-toc-section\" id=\"TOP_2025_des_meilleurs_fonds_immobiliers_palmares\"><\/span>TOP 2025 des meilleurs fonds immobiliers : palmar\u00e8s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>L\u2019objectif des TOP Fonds Immobiliers est de r\u00e9compenser les meilleurs fonds immobiliers grand public r\u00e9f\u00e9renc\u00e9s dans les contrats d\u2019assurance vie et les PER propos\u00e9s aux particuliers<\/strong> (hors SCPI, hors Sicav et FCP). Le palmar\u00e8s ci-dessous a \u00e9t\u00e9 \u00e9tabli par la r\u00e9daction de TSMF, \u00e0 partir des donn\u00e9es saisies par les soci\u00e9t\u00e9s de gestion, en tenant compte des performances de l\u2019ann\u00e9e \u00e9coul\u00e9e et des ann\u00e9es pr\u00e9c\u00e9dentes, mais aussi de la strat\u00e9gie d\u2019investissement du g\u00e9rant.<\/p>\n<h3>Soci\u00e9t\u00e9 Civile ESG Tendances Pierre, g\u00e9r\u00e9e par Swiss Life Asset Managers France<\/h3>\n<p>Ce fonds labellis\u00e9 ISR est principalement compos\u00e9, \u00e0 ce jour, d\u2019une s\u00e9lection de SCPI qui continuent de bien se porter (Iroko Zen, Epargne Pierre, par exemple), et elles-m\u00eames labellis\u00e9es. La SC ESG Tendances Pierre a \u00e9galement investi dans un fonds d\u00e9di\u00e9 \u00e0 l\u2019h\u00f4tellerie de plein air (campings de 3 \u00e0 5 \u00e9toiles).<\/p>\n<p>ESG Tendances Pierre a termin\u00e9 l&rsquo;ann\u00e9e 2024 avec une performance de 5,11%, apr\u00e8s 6,14% en 2023.<\/p>\n<p><em>TOP Fonds Immobiliers 2025 : \u00ab Espoir \u00bb<br \/>\nTOP Fonds Immobiliers 2024 : \u00ab Espoir \u00bb<br \/>\n<\/em><\/p>\n<h3>SC NAO LOGISTICS, g\u00e9r\u00e9e par Telamon<\/h3>\n<p>Avec une valeur liquidative en hausse de 10,02% en 2024, la SC NAO LOGISTICS affiche la meilleure performance parmi les soci\u00e9t\u00e9s civiles du march\u00e9 analys\u00e9es par la r\u00e9daction.<\/p>\n<p>NAO LOGISTICS investit \u00e0 90% dans des actifs logistiques des parcs d\u2019activit\u00e9s et des locaux industriels, principalement en France principalement. Elle cible des actifs situ\u00e9s dans des zones g\u00e9ographiques o\u00f9 l\u2019offre logistique est limit\u00e9e et la demande croissante.<\/p>\n<p><em>TOP Fonds Immobiliers 2025 : \u00ab\u202fSC\u202f: meilleure performance 2024\u202f\u00bb<\/em><\/p>\n<h3>OPCI AXA Immo Avenir, g\u00e9r\u00e9 par AXA REIM SGP<\/h3>\n<p>AXA Immo Avenir est issu de la fusion en f\u00e9vrier 2025 des 2 OPCI AXA Selectiv&rsquo;Immoservice et AXA Selectiv&rsquo;Immo, qui se sont class\u00e9s respectivement aux 1\u00e8re et 2\u00e8me place des meilleures performances des OPCI grand public en 2024.<\/p>\n<p>L\u2019OPCI a enregistr\u00e9 une performance positive en 2024 (+ 2,68%), alors que la performance moyenne du march\u00e9 est n\u00e9gative (-2,82%, source Aspim).<\/p>\n<p><em>TOP Fonds Immobiliers 2025 : \u00ab OPCI : meilleure performance 2024\u202f\u00bb<br \/>\nTOP Fonds Immobiliers 2024 (pour AXA Selectiv\u2019 Immoservice) : \u00ab\u202f\u00c9co-responsable, cat\u00e9gorie Article 8 \u00bb<\/em><\/p>\n<h3>SC Allianz Immobilier Durable, g\u00e9r\u00e9e par\u00a0Allianz Immovalor<\/h3>\n<p>Labellis\u00e9e ISR et class\u00e9e Article 9 selon le r\u00e8glement SFDR, la SC Allianz Immobilier Durable, cherche \u00e0 concilier performance environnementale et financi\u00e8re<\/p>\n<p>La SC a enregistr\u00e9 une performance de 2,75% en 2024 (sur un march\u00e9 en performance n\u00e9gative de 4,7%, source Aspim) et son portefeuille est align\u00e9 sur une trajectoire de r\u00e9chauffement \u00e0 +1,5\u00b0C. En 2024, sa consommation d\u2019\u00e9nergie moyenne a \u00e9t\u00e9 inf\u00e9rieure \u00e0 son objectif de 200 kWhEP\/m\u00b2\/an.<\/p>\n<p><em>TOP Fonds Immobiliers 2025 : \u00ab\u202f\u00c9co-responsable, cat\u00e9gorie Article 9 \u00bb<\/em><\/p>\n<h3>SCI Territoires Avenir, g\u00e9r\u00e9e par Arkea REIM<\/h3>\n<p>Lanc\u00e9e mi-2022, la SCI Territoires Avenir affiche une belle r\u00e9gularit\u00e9 de ses performances financi\u00e8res annuelles. En 2024, elle s\u2019est \u00e9tablie \u00e0 4,58%, parmi les meilleures du march\u00e9. La SCI a affich\u00e9 la plus forte collecte du march\u00e9 des SC-UC l&rsquo;an pass\u00e9, lui permettant de saisir de nouvelles opportunit\u00e9s d&rsquo;investissement.<\/p>\n<p>La r\u00e9daction appr\u00e9cie l&rsquo;approche ESG mise en \u0153uvre dans le cadre du label ISR, notamment sur le volet biodiversit\u00e9, se traduisant par la r\u00e9alisation d&rsquo;inventaires des esp\u00e8ces pr\u00e9sentes sur les sites disposant d\u2019un espace vert par un \u00e9cologue, et la mise en \u0153uvre de plans de gestion de la biodiversit\u00e9.<\/p>\n<p>La strat\u00e9gie d&rsquo;investissement de Territoires Avenir cible des actifs immobiliers diversifi\u00e9s d\u00e9tenus en direct, principalement dans les r\u00e9gions fran\u00e7aises jug\u00e9es les plus dynamiques.<\/p>\n<p><em>TOP Fonds Immobiliers 2025 : \u00ab Grand Prix \u00bb<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les fonds de placement en immobilier, distribu\u00e9s en tant que supports en unit\u00e9s de compte des contrats d\u2019assurance vie et des PER, permettent d\u2019investir dans la pierre en b\u00e9n\u00e9ficiant d\u2019une r\u00e9partition des risques et de la fiscalit\u00e9 de l\u2019enveloppe. Retrouvez \u00e9galement le palmar\u00e8s des TOP Fonds Immobiliers 2025, r\u00e9compensant les meilleurs supports.<\/p>\n","protected":false},"author":13709,"featured_media":55078,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-54162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-immobilier"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fonds immobiliers en Assurance vie : SC, OPCI, performances, palmar\u00e8s<\/title>\n<meta name=\"description\" content=\"Les infos essentielles sur les fonds de placement en immobilier de type SC ou OPCI, que l&#039;on peut souscrire dans les contrats d\u2019assurance vie et PER\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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