{"id":2315,"date":"2026-09-21T09:39:32","date_gmt":"2026-09-21T09:39:32","guid":{"rendered":"https:\/\/invexa.swiss\/?p=2315"},"modified":"2026-09-21T11:58:45","modified_gmt":"2026-09-21T11:58:45","slug":"swiss-scpi","status":"publish","type":"post","link":"https:\/\/invexa.swiss\/en\/scpi-suisse\/","title":{"rendered":"Swiss SCPI: Investment and Tax Guide (2026)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2315\" class=\"elementor elementor-2315\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cedff3f e-flex e-con-boxed e-con e-parent\" data-id=\"cedff3f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a10f1f5 e-con-full e-flex e-con e-child\" data-id=\"a10f1f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-adb94e4 elementor-widget elementor-widget-heading\" data-id=\"adb94e4\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"calculateur\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">En bref : L'investissement SCPI depuis la Suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a282693 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a282693\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Rendement cible :<\/strong> Entre 4,5 % et 7 % (pour les SCPI europ\u00e9ennes) contre 2 % \u00e0 3 % en moyenne pour un investissement immobilier direct en Suisse (Gen\u00e8ve et Zurich).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Avantage fiscal majeur :<\/strong> Exon\u00e9ration totale des pr\u00e9l\u00e8vements sociaux fran\u00e7ais (17,2 %) pour les frontaliers quasi-r\u00e9sidents et les r\u00e9sidents suisses. L'imposition fran\u00e7aise tombe m\u00eame \u00e0 0 % en choisissant des SCPI investies hors de France (Allemagne, Espagne, etc.).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Accessibilit\u00e9 :<\/strong> Investissement possible d\u00e8s quelques milliers d'euros\/francs, permettant de contourner l'exigence des 20 % \u00e0 25 % de fonds propres r\u00e9clam\u00e9s par les banques helv\u00e9tiques.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Immobilier physique en Suisse :<\/strong> Quasiment absent du march\u00e9 des SCPI (freins de la Lex Koller et prix au m\u00b2 trop \u00e9lev\u00e9s). L'alternative 100 % locale est le fonds immobilier suisse, g\u00e9n\u00e9ralement cot\u00e9 en bourse (SIX).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Gestion :<\/strong> 100 % passive (d\u00e9l\u00e9gu\u00e9e \u00e0 la soci\u00e9t\u00e9 de gestion) sans aucun risque de vacance locative concentr\u00e9 sur un seul bien.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60ab707 elementor-widget elementor-widget-heading\" data-id=\"60ab707\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Calculateur : combien pourrais me rapporter une SCPI en Suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9266650 elementor-widget elementor-widget-html\" data-id=\"9266650\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script 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class=\"rte-grid\">\n\n    <div class=\"rte-panel\">\n      <div class=\"rte-head\">\n        <h2>Simulateur de revenus SCPI<\/h2>\n        <p>Pour r\u00e9sident fiscal suisse : la Suisse exon\u00e8re ces revenus \u00e9trangers, et une SCPI investie hors de France \u00e9chappe aussi \u00e0 l'imp\u00f4t fran\u00e7ais.<\/p>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label\">Montant investi<\/div>\n        <input id=\"scpi-capital\" class=\"rte-input\" type=\"number\" value=\"100000\" min=\"100\" max=\"10000000\" step=\"500\">\n        <div class=\"rte-hint\">Il est possible d'investir en SCPI d\u00e8s 95 CHF (env. 100 \u20ac), mais cet investissement doit s'envisager sur 10 ans minimum.<\/div>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Dur\u00e9e de d\u00e9tention<\/span><span id=\"scpi-duree-value\">20 ans<\/span><\/div>\n        <input id=\"scpi-duree\" type=\"range\" min=\"5\" max=\"30\" step=\"1\" value=\"20\">\n        <div class=\"rte-hint\">Une dur\u00e9e minimale de 10 ans est conseill\u00e9e ; la dur\u00e9e moyenne de d\u00e9tention des parts de SCPI est de 22 ans.<\/div>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Rendement (taux de distribution)<\/span><span id=\"scpi-rendement-value\">4,72&nbsp;%<\/span><\/div>\n        <input id=\"scpi-rendement\" type=\"range\" min=\"2\" max=\"8\" step=\"0.05\" value=\"4.72\">\n        <div class=\"rte-hint\">Le rendement moyen \u00e9tait de 4,72&nbsp;% en 2024. Un rendement \u00e9lev\u00e9 comporte des risques \u00e9lev\u00e9s.<\/div>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Revalorisation annuelle des parts<\/span><span id=\"scpi-reval-value\">1,00&nbsp;%<\/span><\/div>\n        <input id=\"scpi-reval\" type=\"range\" min=\"-2\" max=\"3\" step=\"0.1\" value=\"1\">\n        <div class=\"rte-hint\">\u00c9volution estim\u00e9e du prix de la part chaque ann\u00e9e (\u00e0 la hausse ou \u00e0 la baisse).<\/div>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Part de source europ\u00e9enne (hors France)<\/span><span id=\"scpi-europe-value\">50&nbsp;%<\/span><\/div>\n        <input id=\"scpi-europe\" type=\"range\" min=\"0\" max=\"100\" step=\"5\" value=\"50\">\n        <div class=\"rte-hint\">Une SCPI investie en Allemagne, en Espagne ou aux Pays-Bas n'est impos\u00e9e ni en France ni en Suisse. Seule la part investie en France (retenue \u00e0 la source ~20&nbsp;% + pr\u00e9l\u00e8vement de solidarit\u00e9 7,5&nbsp;%) supporte une fiscalit\u00e9.<\/div>\n      <\/div>\n\n      <div class=\"rte-field\">\n        <div class=\"rte-label\">Mode de financement<\/div>\n        <div class=\"rte-seg\" id=\"scpi-mode\">\n          <div class=\"rte-seg-btn active\" data-value=\"comptant\">Au comptant<\/div>\n          <div class=\"rte-seg-btn\" data-value=\"credit\">\u00c0 cr\u00e9dit<\/div>\n        <\/div>\n        <div class=\"rte-hint\">Un cr\u00e9dit vous engage et doit \u00eatre rembours\u00e9. Les revenus SCPI peuvent \u00eatre ponctuellement en dessous de la mensualit\u00e9 \u00e0 rembourser.<\/div>\n      <\/div>\n\n      <div class=\"rte-field credit-only\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Apport personnel<\/span><span id=\"scpi-apport-value\">10&nbsp;%<\/span><\/div>\n        <input id=\"scpi-apport\" type=\"range\" min=\"0\" max=\"100\" step=\"5\" value=\"10\">\n      <\/div>\n\n      <div class=\"rte-field credit-only\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Taux du cr\u00e9dit<\/span><span id=\"scpi-creditrate-value\">3,20&nbsp;%<\/span><\/div>\n        <input id=\"scpi-creditrate\" type=\"range\" min=\"1\" max=\"6\" step=\"0.05\" value=\"3.2\">\n      <\/div>\n\n      <div class=\"rte-field credit-only\">\n        <div class=\"rte-label-row\"><span class=\"rte-label\">Dur\u00e9e du cr\u00e9dit<\/span><span id=\"scpi-credityears-value\">20 ans<\/span><\/div>\n        <input id=\"scpi-credityears\" type=\"range\" min=\"5\" max=\"25\" step=\"1\" value=\"20\">\n      <\/div>\n    <\/div>\n\n    <div>\n      <div class=\"rte-hero\">\n        <span class=\"rte-eyebrow\">R\u00e9sultats de la simulation<\/span>\n\n        <div class=\"rte-duo\">\n          <div class=\"rte-duo-col\">\n            <div class=\"rte-duo-tag\"><span class=\"dot\"><\/span>Pendant la d\u00e9tention<\/div>\n            <div class=\"rte-duo-sublabel\">Revenus moyens, fiscalit\u00e9 fran\u00e7aise d\u00e9duite<\/div>\n            <div class=\"rte-duo-val\" id=\"scpi-revenus-y\">CHF \u2014<\/div>\n            <div class=\"rte-duo-peryear\">par ann\u00e9e, en moyenne<\/div>\n            <div class=\"rte-duo-rule\"><\/div>\n            <div class=\"rte-duo-month\">\u2248 <b id=\"scpi-revenus-m\">\u2014<\/b> \/ mois<\/div>\n          <\/div>\n          <div class=\"rte-duo-col alt\">\n            <div class=\"rte-duo-tag\"><span class=\"dot\"><\/span>Si revente des parts<\/div>\n            <div class=\"rte-duo-sublabel\" id=\"scpi-revente-sub\">Gain net de l'op\u00e9ration \u00e0 N ans<\/div>\n            <div class=\"rte-duo-val\" id=\"scpi-gain-y\">CHF \u2014<\/div>\n            <div class=\"rte-duo-peryear\">gain net total, imp\u00f4t fran\u00e7ais compris<\/div>\n            <div class=\"rte-duo-rule\"><\/div>\n            <div class=\"rte-duo-month\">TRI net : <b id=\"scpi-tri\">\u2014<\/b><\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"rte-diff\" id=\"scpi-diff\">\u2014<\/div>\n\n        <div class=\"rte-datarow\" id=\"scpi-datarow\"><\/div>\n      <\/div>\n\n      <div class=\"rte-chartblock\">\n        <div class=\"rte-chart-title\">\u00c9volution de votre investissement<\/div>\n        <div class=\"rte-chart-sub\" id=\"scpi-chart-sub\">Cumul des revenus nets per\u00e7us et valeur du capital, avec revalorisation.<\/div>\n        <div class=\"rte-legend\">\n          <div class=\"rte-legend-item\"><span class=\"rte-legend-swatch\" style=\"background:#5b70d1\"><\/span>Revenus nets cumul\u00e9s<\/div>\n          <div class=\"rte-legend-item\"><span class=\"rte-legend-swatch\" style=\"background:#c15b3a\"><\/span>Valeur du capital<\/div>\n        <\/div>\n        <div class=\"rte-cw\"><canvas id=\"scpi-canvas\"><\/canvas><\/div>\n      <\/div>\n\n      <div class=\"rte-info\">\n        Simulation en CHF, sur la base d'un taux de change indicatif de 1&nbsp;EUR&nbsp;=&nbsp;0,95&nbsp;CHF. Pour un r\u00e9sident fiscal suisse affili\u00e9 \u00e0 la s\u00e9curit\u00e9 sociale suisse (LAMal), les pr\u00e9l\u00e8vements sociaux fran\u00e7ais (CSG\/CRDS, 17,2&nbsp;%) sont remplac\u00e9s sur les revenus de source fran\u00e7aise par un pr\u00e9l\u00e8vement de solidarit\u00e9 de 7,5&nbsp;%, auquel s'ajoute une retenue \u00e0 la source au titre de l'imp\u00f4t sur le revenu (g\u00e9n\u00e9ralement 20&nbsp;%). Les revenus issus d'immeubles situ\u00e9s hors de France (Allemagne, Espagne, Pays-Bas\u2026) ne sont impos\u00e9s ni en France ni en Suisse. En Suisse, ces revenus et la valeur des parts sont exon\u00e9r\u00e9s d'imp\u00f4t direct mais doivent \u00eatre d\u00e9clar\u00e9s : ils entrent uniquement dans le calcul du taux d'imposition global (r\u00e9serve de progressivit\u00e9), sans imp\u00f4t suppl\u00e9mentaire ni cr\u00e9dit d'imp\u00f4t r\u00e9cup\u00e9rable. Les r\u00e9sultats pr\u00e9sent\u00e9s ne constituent pas une pr\u00e9vision de performance future ; investir en SCPI comporte un risque de perte en capital, de liquidit\u00e9 et de baisse des revenus.\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n\n<script>\n(function(){\nconst SOLIDARITE_RATE=0.075; \/\/ remplace la CSG\/CRDS pour un r\u00e9sident suisse (LAMal)\nconst RETENUE_IR_RATE=0.20;  \/\/ retenue \u00e0 la source, imp\u00f4t sur le revenu\nconst IR_PV_RATE=0.19;       \/\/ taux forfaitaire plus-value immobili\u00e8re\n\nfunction abattementIR(d){\n  if(d<6) return 0;\n  if(d<22) return (d-5)*6;\n  return 100;\n}\nfunction abattementSolidarite(d){ \/\/ m\u00eame bar\u00e8me que la CSG\/CRDS qu'il remplace\n  if(d<6) return 0;\n  if(d<=21) return (d-5)*1.65;\n  if(d===22) return 28;\n  if(d<30) return 28+(d-22)*9;\n  return 100;\n}\nfunction taxPlusValueFrance(pv,d){\n  if(pv<=0) return 0;\n  const abIR=Math.min(100,abattementIR(d))\/100;\n  const abSol=Math.min(100,abattementSolidarite(d))\/100;\n  return pv*(1-abIR)*IR_PV_RATE + pv*(1-abSol)*SOLIDARITE_RATE;\n}\nfunction pmt(rate,nper,pv){\n  if(nper<=0) return 0;\n  if(rate===0) return pv\/nper;\n  return pv*rate\/(1-Math.pow(1+rate,-nper));\n}\nfunction loanSchedule(loan,rate,years){\n  const sched=[];\n  if(loan<=0||years<=0) return {sched,payment:0};\n  const payment=pmt(rate,years,loan);\n  let balance=loan;\n  for(let y=1;y<=years;y++){\n    const interest=balance*rate;\n    let principal=payment-interest;\n    if(principal>balance) principal=balance;\n    balance=Math.max(0,balance-principal);\n    sched.push({interest,principal,balance,payment});\n  }\n  return {sched,payment};\n}\nfunction irr(cashflows){\n  function npv(rate){\n    let s=0;\n    for(let t=0;t<cashflows.length;t++) s+=cashflows[t]\/Math.pow(1+rate,t);\n    return s;\n  }\n  let lo=-0.95, hi=5;\n  let nLo=npv(lo), nHi=npv(hi);\n  if(nLo*nHi>0){ hi=30; nHi=npv(hi); if(nLo*nHi>0) return null; }\n  let mid=0;\n  for(let i=0;i<100;i++){\n    mid=(lo+hi)\/2;\n    const nMid=npv(mid);\n    if(Math.abs(nMid)<1e-6) break;\n    if(nLo*nMid<0){ hi=mid; nHi=nMid; } else { lo=mid; nLo=nMid; }\n  }\n  return mid;\n}\n\nconst fmt=n=>Math.round(n).toLocaleString('fr-CH').replace(\/\\u202f\/g,\"\\u2019\").replace(\/\\s\/g,\"\\u2019\");\nconst fmtCHF=n=>\"CHF\\u00a0\"+fmt(n);\nconst fmtPct1=n=>n.toFixed(1).replace('.',',')+'\\u00a0%';\nconst fmtPct2=n=>n.toFixed(2).replace('.',',')+'\\u00a0%';\n\nconst $=id=>document.getElementById(id);\nconst capIn=$('scpi-capital'),dureeR=$('scpi-duree'),rendR=$('scpi-rendement'),\n      revalR=$('scpi-reval'),europeR=$('scpi-europe'),apportR=$('scpi-apport'),crateR=$('scpi-creditrate'),cyearsR=$('scpi-credityears');\n\nlet mode='comptant';\n\nfunction bindSeg(container,onPick){\n  container.querySelectorAll('.rte-seg-btn').forEach(btn=>{\n    btn.addEventListener('click',()=>{\n      container.querySelectorAll('.rte-seg-btn').forEach(b=>b.classList.remove('active'));\n      btn.classList.add('active');\n      onPick(btn.dataset.value);\n      compute();\n    });\n  });\n}\nbindSeg($('scpi-mode'), v=>{\n  mode=v;\n  document.querySelectorAll('.credit-only').forEach(el=>{\n    el.style.display = (mode==='credit') ? '' : 'none';\n  });\n});\ndocument.querySelectorAll('.credit-only').forEach(el=>{ el.style.display='none'; });\n\nfunction setBg(s){const pct=((+s.value-+s.min)\/(+s.max-+s.min)*100).toFixed(1);s.style.setProperty('--p',pct+'%');}\n\nlet chart=null;\nfunction dataItem(lb,vl){return `<div class=\"rte-dataitem\"><div class=\"lb\">${lb}<\/div><div class=\"vl\">${vl}<\/div><\/div>`;}\n\nfunction compute(){\n  const capital=Math.max(100,+capIn.value||0);\n  const n=+dureeR.value;\n  const r=+rendR.value\/100;\n  const reval=+revalR.value\/100;\n  const partEurope=+europeR.value\/100;\n  const partFrance=1-partEurope;\n  const apportPct=+apportR.value\/100;\n  const creditRate=+crateR.value\/100;\n  const creditYears=+cyearsR.value;\n\n  $('scpi-duree-value').textContent=n+' ans';\n  $('scpi-rendement-value').textContent=fmtPct2(+rendR.value);\n  $('scpi-reval-value').textContent=fmtPct2(+revalR.value);\n  $('scpi-europe-value').textContent=Math.round(+europeR.value)+'\\u00a0%';\n  $('scpi-apport-value').textContent=Math.round(+apportR.value)+'\\u00a0%';\n  $('scpi-creditrate-value').textContent=fmtPct2(+crateR.value);\n  $('scpi-credityears-value').textContent=creditYears+' ans';\n  setBg(dureeR);setBg(rendR);setBg(revalR);setBg(europeR);setBg(apportR);setBg(crateR);setBg(cyearsR);\n\n  const isCredit=(mode==='credit');\n  const apportInitial=isCredit?capital*apportPct:capital;\n  const loan=isCredit?capital-apportInitial:0;\n  const {sched,payment}=isCredit?loanSchedule(loan,creditRate,creditYears):{sched:[],payment:0};\n\n  const tauxFrance=SOLIDARITE_RATE+RETENUE_IR_RATE; \/\/ 27.5%\n\n  let cumulNetCash=0;\n  const cashflows=[-apportInitial];\n  const cumulRevenuNetSeries=[0], valeurCapitalSeries=[capital];\n\n  let lastNetCashFlow=0;\n\n  for(let t=1;t<=n;t++){\n    const revenuBrut=capital*r*Math.pow(1+reval,t-1);\n    const valeurCapitalT=capital*Math.pow(1+reval,t);\n    const yearData=(isCredit && t<=creditYears)?sched[t-1]:{interest:0,payment:0,balance:0};\n\n    const revenuFrance=revenuBrut*partFrance;\n    const revenuEurope=revenuBrut*partEurope;\n    const taxableFrance=Math.max(0,revenuFrance-yearData.interest);\n    const taxFrance=taxableFrance*tauxFrance;\n    const netRentalAfterTax=(revenuFrance-taxFrance)+revenuEurope;\n\n    const mensualiteAnnuelle=(isCredit && t<=creditYears)?yearData.payment:0;\n    const netCashFlow=netRentalAfterTax-mensualiteAnnuelle;\n\n    cumulNetCash+=netCashFlow;\n    lastNetCashFlow=netCashFlow;\n\n    cumulRevenuNetSeries.push(cumulNetCash);\n    valeurCapitalSeries.push(valeurCapitalT);\n\n    if(t<n){ cashflows.push(netCashFlow); }\n  }\n\n  const valeurCapitalFinal=capital*Math.pow(1+reval,n);\n  const soldeRestantDu=(isCredit && n<creditYears) ? sched[n-1].balance : 0;\n  const plusValueBrute=valeurCapitalFinal-capital;\n  const plusValueFrance=plusValueBrute*partFrance;\n  const taxPV=taxPlusValueFrance(plusValueFrance,n); \/\/ la part europ\u00e9enne n'est pas impos\u00e9e\n  const produitVenteNet=valeurCapitalFinal-taxPV-soldeRestantDu;\n\n  cashflows.push(lastNetCashFlow+produitVenteNet);\n\n  const gainNetOperation=cumulNetCash+produitVenteNet-apportInitial;\n  const valeurInvestissementConservation=valeurCapitalFinal-soldeRestantDu;\n  const revenusNetsMoisConservation=lastNetCashFlow\/12;\n  const revenusMoyensAnNet=cumulNetCash\/n;\n\n  const tri=irr(cashflows);\n\n  $('scpi-revenus-y').textContent=fmtCHF(revenusMoyensAnNet);\n  $('scpi-revenus-m').textContent=fmtCHF(revenusMoyensAnNet\/12);\n  $('scpi-revente-sub').textContent=\"Gain net de l'op\u00e9ration \u00e0 \"+n+\" ans\";\n  $('scpi-gain-y').textContent=fmtCHF(gainNetOperation);\n  $('scpi-tri').textContent=(tri===null)?'\u2014':fmtPct1(tri*100);\n\n  const diffEl=$('scpi-diff');\n  if(!isCredit){\n    diffEl.innerHTML='En conservant vos parts au-del\u00e0 de '+n+' ans, la valeur de votre investissement atteindrait <b>'+fmtCHF(valeurInvestissementConservation)+'<\/b>, pour un revenu net d\\u2019environ <b>'+fmtCHF(revenusNetsMoisConservation)+' \/ mois<\/b>. Ces revenus n\\u2019entrent en Suisse que dans le calcul du taux d\\u2019imposition (r\u00e9serve de progressivit\u00e9), sans imp\u00f4t suisse direct.';\n  }else{\n    diffEl.innerHTML='Avec un apport de <b>'+fmtCHF(apportInitial)+'<\/b> et un cr\u00e9dit de <b>'+fmtCHF(loan)+'<\/b>, l\\u2019effet de levier porte le TRI net \u00e0 <b>'+((tri===null)?'\u2014':fmtPct1(tri*100))+'<\/b>.';\n  }\n\n  $('scpi-datarow').innerHTML=[\n    dataItem(isCredit?'Apport initial':'Capital investi', fmtCHF(apportInitial)),\n    dataItem('Valeur du capital \u00e0 '+n+' ans', fmtCHF(valeurCapitalFinal)),\n    dataItem(isCredit?'Solde cr\u00e9dit restant d\u00fb':'Imp\u00f4t plus-value (France)', fmtCHF(isCredit?soldeRestantDu:taxPV))\n  ].join('');\n\n  drawChart(\n    Array.from({length:n+1},(_,i)=>i),\n    [\n      {label:'Revenus nets cumul\u00e9s',data:cumulRevenuNetSeries,color:'#5b70d1',fill:true},\n      {label:'Valeur du capital',data:valeurCapitalSeries,color:'#c15b3a',fill:false}\n    ]\n  );\n}\n\nfunction drawChart(labels,datasets){\n  const ctx=$('scpi-canvas');\n  if(!window.Chart){return;}\n  const cdata={\n    labels,\n    datasets:datasets.map(d=>({\n      label:d.label,data:d.data,borderColor:d.color,\n      backgroundColor:d.fill?'rgba(91,112,209,0.10)':'transparent',\n      borderWidth:2.25,pointRadius:0,fill:!!d.fill,tension:0.15\n    }))\n  };\n  if(chart){chart.data=cdata;chart.update('none');return;}\n  chart=new Chart(ctx,{type:'line',data:cdata,options:{\n    responsive:true,maintainAspectRatio:false,animation:false,\n    plugins:{legend:{display:false},tooltip:{\n      backgroundColor:'#071659',padding:12,cornerRadius:10,titleFont:{family:'Manrope',weight:700},bodyFont:{family:'Manrope'},\n      callbacks:{title:items=>'Ann\u00e9e '+items[0].label,label:item=>item.dataset.label+': '+fmtCHF(item.raw)}\n    }},\n    interaction:{mode:'index',intersect:false},\n    scales:{\n      x:{grid:{display:false},border:{display:false},ticks:{color:'#c2c7d6',font:{family:'Manrope',size:11},maxTicksLimit:7,maxRotation:0}},\n      y:{grid:{color:'rgba(0,0,0,0.045)'},border:{display:false},ticks:{color:'#c2c7d6',font:{family:'Manrope',size:11},maxTicksLimit:5,callback:v=>v>=1000?fmt(v\/1000)+'k':fmt(v)}}\n    }\n  }});\n}\n\n[capIn,dureeR,rendR,revalR,europeR,apportR,crateR,cyearsR].forEach(el=>el.addEventListener('input',compute));\n\nconst sc=document.createElement('script');\nsc.src='https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/Chart.js\/4.4.1\/chart.umd.min.js';\nsc.onload=compute;\ndocument.head.appendChild(sc);\nsetBg(dureeR);setBg(rendR);setBg(revalR);setBg(europeR);setBg(apportR);setBg(crateR);setBg(cyearsR);\n})();\n<\/script>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4403d43 elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"4403d43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tPr\u00eat \u00e0 optimiser votre patrimoine transfrontalier ?\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tInvestir en SCPI depuis la Suisse n\u00e9cessite une ma\u00eetrise pr\u00e9cise de la fiscalit\u00e9 (retenues \u00e0 la source europ\u00e9ennes et d\u00e9claration en Suisse). Ne laissez pas le hasard guider votre strat\u00e9gie patrimoniale.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/invexa.swiss\/planifier-un-rendez-vous\/\">\n\t\t\t\t\t\tPrendre rendez-vous avec un conseiller\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e06d8b elementor-widget elementor-widget-heading\" data-id=\"2e06d8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi la SCPI attire-t-elle les r\u00e9sidents suisses et les frontaliers ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-515210e elementor-widget elementor-widget-text-editor\" data-id=\"515210e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Depuis quelques ann\u00e9es, l&rsquo;investissement en SCPI (Soci\u00e9t\u00e9 Civile de Placement Immobilier) conna\u00eet un engouement sans pr\u00e9c\u00e9dent de l&rsquo;autre c\u00f4t\u00e9 du Jura et du lac L\u00e9man. Qu&rsquo;il s&rsquo;agisse d&rsquo;expatri\u00e9s fran\u00e7ais install\u00e9s dans le canton de Vaud, de citoyens suisses cherchant \u00e0 diversifier leur patrimoine ou <a href=\"https:\/\/invexa.swiss\/rente-ou-capital-lpp-2eme-pilier\/\">placer leur capital retraite LPP<\/a>, ou encore de travailleurs frontaliers, la \u00ab\u00a0pierre-papier\u00a0\u00bb s&rsquo;impose comme une strat\u00e9gie incontournable.<\/p><p>Cet attrait massif ne doit rien au hasard. Il repose sur un double effet de levier redoutable : un diff\u00e9rentiel de rentabilit\u00e9 flagrant avec le march\u00e9 local et un traitement fiscal transfrontalier extr\u00eamement avantageux.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a85c46d elementor-widget elementor-widget-heading\" data-id=\"a85c46d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pallier les faibles rendements de l'immobilier helv\u00e9tique<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b4d7af elementor-widget elementor-widget-text-editor\" data-id=\"3b4d7af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le march\u00e9 immobilier suisse est r\u00e9put\u00e9 pour sa robustesse, mais il est aussi l&rsquo;un des plus inaccessibles et des moins rentables d&rsquo;Europe pour un investisseur individuel. Acheter un appartement locatif \u00e0 Gen\u00e8ve, Zurich ou Lausanne n\u00e9cessite aujourd&rsquo;hui des capitaux colossaux. Les banques helv\u00e9tiques exigent g\u00e9n\u00e9ralement 33 % de fonds propres minimum, accompagn\u00e9s de r\u00e8gles d&rsquo;amortissement de la dette tr\u00e8s strictes.<\/p><p>Le niveau \u00e9lev\u00e9 des prix au m\u00e8tre carr\u00e9 engendre m\u00e9caniquement des rendements locatifs bruts relativement bas, oscillant fr\u00e9quemment entre <strong>2 % et 3 %<\/strong> (Gen\u00e8ve et Zurich) pour l&rsquo;immobilier r\u00e9sidentiel standard.<\/p><p>L&rsquo;investissement en SCPI propose une structure diff\u00e9rente qui r\u00e9pond \u00e0 ces contraintes :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d00eedb elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"d00eedb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Accessibilit\u00e9 du capital :<\/strong> Le fonctionnement par parts permet d'investir avec des montants initiaux faibles (souvent \u00e0 partir de quelques milliers de francs ou d'euros), sans recourir n\u00e9cessairement au cr\u00e9dit hypoth\u00e9caire.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Diversification sectorielle et rendement :<\/strong> Les SCPI investissent majoritairement dans l'immobilier d'entreprise (bureaux, sant\u00e9, logistique, commerces) \u00e0 l'\u00e9chelle europ\u00e9enne. Sur ces classes d'actifs, les taux de distribution moyens se situent g\u00e9n\u00e9ralement entre 4,5 % et 6 % net de frais de gestion de la soci\u00e9t\u00e9.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>D\u00e9l\u00e9gation totale :<\/strong> L'investisseur acquiert des parts d'un parc immobilier g\u00e9r\u00e9 par une soci\u00e9t\u00e9 de gestion (agr\u00e9\u00e9e par l'AMF en France). Celle-ci se charge de l'acquisition, de la gestion locative, de l'entretien et de la redistribution des loyers, ce qui \u00e9limine les contraintes de gestion directe.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-650fb04 elementor-widget elementor-widget-heading\" data-id=\"650fb04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L'avantage fiscal : la fin des pr\u00e9l\u00e8vements sociaux fran\u00e7ais<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e26ab1 elementor-widget elementor-widget-text-editor\" data-id=\"3e26ab1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pour comprendre l&rsquo;attrait fiscal des SCPI pour un r\u00e9sident suisse, il faut examiner le traitement des revenus fonciers par l&rsquo;administration fiscale fran\u00e7aise et l&rsquo;application des conventions de double imposition. En France, un r\u00e9sident fiscal est impos\u00e9 sur ses revenus fonciers via l&rsquo;imp\u00f4t sur le revenu, auquel s&rsquo;ajoutent les pr\u00e9l\u00e8vements sociaux (CSG, CRDS) \u00e0 hauteur de 17,2 %.<\/p><p>Le statut de <strong>non-r\u00e9sident fiscal fran\u00e7ais<\/strong> (et\/ou l&rsquo;affiliation \u00e0 un r\u00e9gime de s\u00e9curit\u00e9 sociale \u00e9tranger) modifie ce cadre :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21cc950 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"21cc950\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"f4cf4df6c6\"><rect x=\"0\" width=\"139\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 118, 0)\"><g clip-path=\"url(#f4cf4df6c6)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.552694, 348.036103)\"><g><path d=\"M 31.734375 0 L 31.734375 -6.921875 C 42.117188 -23.847656 47.3125 -70.382812 47.3125 -146.53125 L 47.3125 -290.171875 C 43.070312 -287.484375 36.722656 -285.082031 28.265625 -282.96875 C 19.804688 -280.851562 13.460938 -279.796875 9.234375 -279.796875 L 9.234375 -290.171875 C 18.078125 -290.941406 28.171875 -292.863281 39.515625 -295.9375 C 50.859375 -299.019531 62.007812 -302.769531 72.96875 -307.1875 C 83.9375 -311.613281 93.070312 -316.132812 100.375 -320.75 L 107.296875 -320.75 L 107.296875 -146.53125 C 107.296875 -108.84375 108.640625 -78.171875 111.328125 -54.515625 C 114.023438 -30.859375 117.679688 -14.992188 122.296875 -6.921875 L 122.296875 0 Z M 31.734375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Sur les revenus fonciers de source fran\u00e7aise (SCPI fran\u00e7aises) :<\/strong> Conform\u00e9ment \u00e0 la jurisprudence europ\u00e9enne (dite \"jurisprudence De Ruyter\"), une personne affili\u00e9e au r\u00e9gime de s\u00e9curit\u00e9 sociale suisse (LAMal) est exon\u00e9r\u00e9e de la CSG et de la CRDS sur ses revenus du patrimoine en France. Les pr\u00e9l\u00e8vements sociaux sont remplac\u00e9s par un pr\u00e9l\u00e8vement de solidarit\u00e9 unique de 7,5 %. S'y ajoute une retenue \u00e0 la source au titre de l'imp\u00f4t sur le revenu (g\u00e9n\u00e9ralement fix\u00e9e \u00e0 20 % jusqu'\u00e0 un certain plafond).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"4781e0adf0\"><rect x=\"0\" width=\"330\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#4781e0adf0)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.363061, 348.036103)\"><g><path d=\"M 4.609375 0 L 3.46875 -5.765625 L 53.65625 -31.15625 C 75.570312 -41.925781 97.488281 -53.65625 119.40625 -66.34375 C 141.332031 -79.03125 161.332031 -92.96875 179.40625 -108.15625 C 197.488281 -123.351562 212.007812 -139.601562 222.96875 -156.90625 C 233.925781 -174.21875 239.40625 -192.875 239.40625 -212.875 C 239.40625 -232.875 234.597656 -249.988281 224.984375 -264.21875 C 215.367188 -278.445312 202.390625 -289.3125 186.046875 -296.8125 C 169.703125 -304.3125 151.335938 -308.0625 130.953125 -308.0625 C 116.335938 -308.0625 102.109375 -305.175781 88.265625 -299.40625 C 74.421875 -293.632812 63.070312 -285.269531 54.21875 -274.3125 C 45.375 -263.351562 40.953125 -249.796875 40.953125 -233.640625 C 40.953125 -215.566406 47.296875 -201.429688 59.984375 -191.234375 C 72.679688 -181.046875 86.722656 -175.953125 102.109375 -175.953125 C 115.566406 -175.953125 126.046875 -179.601562 133.546875 -186.90625 C 141.046875 -194.21875 144.796875 -203.644531 144.796875 -215.1875 C 144.796875 -224.03125 141.910156 -232.203125 136.140625 -239.703125 C 130.378906 -247.203125 120.957031 -249.988281 107.875 -248.0625 L 107.296875 -252.09375 C 108.066406 -252.863281 110.46875 -253.828125 114.5 -254.984375 C 118.539062 -256.140625 123.253906 -256.71875 128.640625 -256.71875 C 140.179688 -256.71875 149.988281 -254.023438 158.0625 -248.640625 C 166.144531 -243.253906 172.300781 -236.519531 176.53125 -228.4375 C 180.757812 -220.363281 182.875 -212.097656 182.875 -203.640625 C 182.875 -186.722656 176.046875 -171.628906 162.390625 -158.359375 C 148.742188 -145.085938 129.992188 -138.453125 106.140625 -138.453125 C 90.378906 -138.453125 75.476562 -141.910156 61.4375 -148.828125 C 47.394531 -155.753906 36.144531 -165.367188 27.6875 -177.671875 C 19.226562 -189.984375 15 -204.21875 15 -220.375 C 15 -240.757812 20.957031 -258.738281 32.875 -274.3125 C 44.800781 -289.882812 60.957031 -302.09375 81.34375 -310.9375 C 101.726562 -319.789062 124.421875 -324.21875 149.421875 -324.21875 C 178.265625 -324.21875 203.644531 -319.789062 225.5625 -310.9375 C 247.488281 -302.09375 264.695312 -289.398438 277.1875 -272.859375 C 289.6875 -256.328125 295.9375 -236.523438 295.9375 -213.453125 C 295.9375 -195.367188 291.515625 -178.347656 282.671875 -162.390625 C 273.828125 -146.429688 261.804688 -131.816406 246.609375 -118.546875 C 231.421875 -105.273438 214.5 -93.351562 195.84375 -82.78125 C 177.195312 -72.207031 158.066406 -63.171875 138.453125 -55.671875 C 118.835938 -48.171875 99.992188 -42.304688 81.921875 -38.078125 L 81.921875 -34.03125 L 205.953125 -34.03125 C 230.566406 -34.03125 250.945312 -38.164062 267.09375 -46.4375 C 283.25 -54.707031 292.484375 -69.421875 294.796875 -90.578125 L 302.296875 -90.578125 L 294.796875 0 Z M 4.609375 0 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Sur les revenus fonciers de source europ\u00e9enne (SCPI europ\u00e9ennes) :<\/strong> C'est sur ce segment que la m\u00e9canique est la plus optimis\u00e9e pour les r\u00e9sidents suisses. Si une SCPI fran\u00e7aise d\u00e9tient des immeubles en Allemagne, en Espagne ou aux Pays-Bas, les revenus g\u00e9n\u00e9r\u00e9s ne sont pas de source fran\u00e7aise. En cons\u00e9quence, l'administration fiscale fran\u00e7aise n'applique aucun pr\u00e9l\u00e8vement social (0 %) ni aucun imp\u00f4t sur le revenu sur la quote-part de dividendes issue de ces pays \u00e9trangers. L'imposition s'effectue \u00e0 la source, dans le pays de situation de l'immeuble, souvent \u00e0 des taux d'imposition sur les soci\u00e9t\u00e9s tr\u00e8s favorables.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" zoomAndPan=\"magnify\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><defs><g><\/g><clipPath id=\"6ab3ba5a4b\"><rect x=\"0\" width=\"339\" y=\"0\" height=\"375\"><\/rect><\/clipPath><\/defs><g transform=\"matrix(1, 0, 0, 1, 23, 0)\"><g clip-path=\"url(#6ab3ba5a4b)\"><g fill=\"#071659\" fill-opacity=\"1\"><g transform=\"translate(0.160917, 288.78215)\"><g><path d=\"M 164.328125 81.90625 C 135.003906 81.90625 108.960938 77.1875 86.203125 67.75 C 63.453125 58.3125 45.585938 44.910156 32.609375 27.546875 C 19.628906 10.191406 13.140625 -10.28125 13.140625 -33.875 C 13.140625 -52.082031 17.601562 -67.585938 26.53125 -80.390625 C 35.46875 -93.203125 47.015625 -102.976562 61.171875 -109.71875 C 75.335938 -116.457031 90.171875 -119.828125 105.671875 -119.828125 C 132.304688 -119.828125 153.375 -113.085938 168.875 -99.609375 C 184.382812 -86.128906 192.140625 -69.441406 192.140625 -49.546875 C 192.140625 -35.054688 187.082031 -22.835938 176.96875 -12.890625 C 166.851562 -2.953125 154.882812 2.015625 141.0625 2.015625 C 135.675781 2.015625 130.535156 1.257812 125.640625 -0.25 C 120.753906 -1.769531 116.960938 -3.707031 114.265625 -6.0625 L 114.78125 -9.609375 C 125.226562 -5.566406 134.832031 -6.15625 143.59375 -11.375 C 152.363281 -16.601562 156.75 -24.78125 156.75 -35.90625 C 156.75 -47.695312 151.859375 -57.804688 142.078125 -66.234375 C 132.304688 -74.660156 118.65625 -78.875 101.125 -78.875 C 83.59375 -78.875 68.675781 -73.476562 56.375 -62.6875 C 44.070312 -51.90625 37.921875 -37.078125 37.921875 -18.203125 C 37.921875 6.742188 47.441406 26.460938 66.484375 40.953125 C 85.535156 55.453125 111.070312 62.703125 143.09375 62.703125 C 165.675781 62.703125 186.65625 57.976562 206.03125 48.53125 C 225.414062 39.09375 241.007812 26.285156 252.8125 10.109375 C 264.613281 -6.066406 270.515625 -24.4375 270.515625 -45 C 270.515625 -75 260.316406 -99.097656 239.921875 -117.296875 C 219.523438 -135.503906 191.460938 -145.28125 155.734375 -146.625 C 148.992188 -143.257812 141.914062 -141.578125 134.5 -141.578125 C 130.445312 -141.578125 126.820312 -142.503906 123.625 -144.359375 C 120.425781 -146.210938 118.828125 -149.160156 118.828125 -153.203125 C 118.828125 -156.910156 120.425781 -159.773438 123.625 -161.796875 C 126.820312 -163.816406 130.445312 -164.828125 134.5 -164.828125 C 139.21875 -164.828125 144.269531 -164.148438 149.65625 -162.796875 C 155.050781 -161.453125 160.28125 -159.265625 165.34375 -156.234375 C 183.207031 -158.929688 198.207031 -165.757812 210.34375 -176.71875 C 222.476562 -187.675781 228.546875 -200.738281 228.546875 -215.90625 C 228.546875 -233.09375 222.222656 -246.65625 209.578125 -256.59375 C 196.941406 -266.539062 179.160156 -271.515625 156.234375 -271.515625 C 142.410156 -271.515625 129.769531 -268.394531 118.3125 -262.15625 C 106.851562 -255.925781 97.835938 -247.332031 91.265625 -236.375 C 84.691406 -225.425781 81.40625 -212.867188 81.40625 -198.703125 L 73.828125 -198.703125 L 74.328125 -260.390625 C 85.109375 -267.472656 98.421875 -273.203125 114.265625 -277.578125 C 130.109375 -281.960938 146.628906 -284.15625 163.828125 -284.15625 C 186.410156 -284.15625 206.128906 -281.117188 222.984375 -275.046875 C 239.835938 -268.984375 252.984375 -260.8125 262.421875 -250.53125 C 271.859375 -240.25 276.578125 -228.707031 276.578125 -215.90625 C 276.578125 -199.382812 270.085938 -185.644531 257.109375 -174.6875 C 244.128906 -163.738281 225.675781 -156.914062 201.75 -154.21875 L 201.75 -149.671875 C 240.175781 -148.316406 270.257812 -137.359375 292 -116.796875 C 313.738281 -96.234375 324.609375 -69.941406 324.609375 -37.921875 C 324.609375 -21.742188 320.394531 -6.410156 311.96875 8.078125 C 303.539062 22.578125 291.992188 35.390625 277.328125 46.515625 C 262.671875 57.640625 245.648438 66.316406 226.265625 72.546875 C 206.878906 78.785156 186.234375 81.90625 164.328125 81.90625 Z M 164.328125 81.90625 \"><\/path><\/g><\/g><\/g><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Le traitement fiscal en Suisse :<\/strong> En Suisse, le principe de l'imposition mondiale pr\u00e9vaut, mais les revenus immobiliers de source \u00e9trang\u00e8re ne sont pas doublement impos\u00e9s. La valeur des parts de SCPI et les revenus g\u00e9n\u00e9r\u00e9s doivent \u00eatre d\u00e9clar\u00e9s \u00e0 l'administration fiscale cantonale. Ils sont pris en compte uniquement pour d\u00e9terminer le taux d'imposition global du contribuable (m\u00e9canisme de la r\u00e9serve de progressivit\u00e9 pour l'Imp\u00f4t Cantonal et Communal), mais ils sont exon\u00e9r\u00e9s de l'imp\u00f4t suisse lui-m\u00eame.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e50b6a1 elementor-widget elementor-widget-heading\" data-id=\"e50b6a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment d\u00e9clarer ses SCPI aux imp\u00f4ts suisses ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9680c23 elementor-widget elementor-widget-text-editor\" data-id=\"9680c23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le traitement fiscal des SCPI pour un r\u00e9sident suisse repose sur un principe fondamental d&rsquo;imposition internationale : la localisation des biens immobiliers. L&rsquo;Administration F\u00e9d\u00e9rale des Contributions (AFC) applique g\u00e9n\u00e9ralement un principe de transparence fiscale \u00e0 ces v\u00e9hicules. Les parts de SCPI ne sont pas consid\u00e9r\u00e9es comme de simples actions boursi\u00e8res (valeurs mobili\u00e8res), mais bien comme de la d\u00e9tention d&rsquo;immobilier physique situ\u00e9 \u00e0 l&rsquo;\u00e9tranger.<\/p><p>Cette distinction est cruciale car elle active les m\u00e9canismes des <strong>conventions pr\u00e9ventives de double imposition<\/strong>, n\u00e9cessitant une d\u00e9claration pr\u00e9cise tant pour la fortune que pour le revenu.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c144cc9 elementor-widget elementor-widget-heading\" data-id=\"c144cc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Imp\u00f4t sur la fortune et d\u00e9claration de la valeur de retrait<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15e7e8d elementor-widget elementor-widget-text-editor\" data-id=\"15e7e8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En Suisse, l&rsquo;imp\u00f4t sur la fortune est pr\u00e9lev\u00e9 au niveau cantonal et communal (ICC) sur l&rsquo;ensemble du patrimoine mondial du contribuable. Toutefois, les biens immobiliers situ\u00e9s \u00e0 l&rsquo;\u00e9tranger b\u00e9n\u00e9ficient d&rsquo;une exon\u00e9ration d&rsquo;imp\u00f4t en Suisse.<\/p><p>Voici la marche \u00e0 suivre pour la d\u00e9claration des parts de SCPI :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b4cb86 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0b4cb86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>La notion de r\u00e9serve de progressivit\u00e9 :<\/strong> Bien que la valeur de vos SCPI soit exon\u00e9r\u00e9e de l'imp\u00f4t sur la fortune suisse, elle doit imp\u00e9rativement figurer dans votre d\u00e9claration fiscale (g\u00e9n\u00e9ralement dans la rubrique \"Titres et autres placements\" ou \"Immeubles \u00e0 l'\u00e9tranger\", selon la tol\u00e9rance de l'administration cantonale). Cette valeur est ajout\u00e9e \u00e0 votre patrimoine suisse uniquement pour d\u00e9terminer le taux d'imposition global applicable \u00e0 votre fortune imposable en Suisse.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>La valeur \u00e0 d\u00e9clarer :<\/strong> L'administration fiscale demande de d\u00e9clarer la valeur du placement au 31 d\u00e9cembre de l'ann\u00e9e fiscale \u00e9coul\u00e9e. Pour une SCPI, la valeur de r\u00e9f\u00e9rence retenue est la valeur de retrait (soit le prix de souscription diminu\u00e9 des frais de souscription, correspondant \u00e0 la somme que l'investisseur r\u00e9cup\u00e9rerait en cas de revente).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>L'outil ICTax :<\/strong> Pour faciliter la d\u00e9claration, l'AFC met \u00e0 disposition la plateforme officielle ICTax (liste des cours), pour convertir les EUR en CHF pour l'ann\u00e9e de la d\u00e9claration.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77ad9db elementor-widget elementor-widget-heading\" data-id=\"77ad9db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Imp\u00f4t sur le revenu et convention de double imposition<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49185fc elementor-widget elementor-widget-text-editor\" data-id=\"49185fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le traitement des dividendes per\u00e7us ob\u00e9it \u00e0 la m\u00eame logique. La Convention pr\u00e9ventive de double imposition (CDI) sign\u00e9e entre la Suisse et la France (ainsi que les conventions avec l&rsquo;Allemagne, l&rsquo;Espagne ou les Pays-Bas pour les SCPI europ\u00e9ennes) stipule clairement que les revenus immobiliers sont imposables exclusivement dans l&rsquo;\u00c9tat o\u00f9 l&rsquo;immeuble est situ\u00e9.<\/p><p>Pour le contribuable suisse encaissant les loyers distribu\u00e9s par la SCPI, l&rsquo;impact sur la d\u00e9claration s&rsquo;articule ainsi :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34df969 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"34df969\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Exon\u00e9ration de l'imp\u00f4t sur le revenu en Suisse :<\/strong> Les dividendes vers\u00e9s par la soci\u00e9t\u00e9 de gestion (qui sont des revenus fonciers de source \u00e9trang\u00e8re) ne sont pas tax\u00e9s directement par le fisc suisse. Vous ne paierez pas d'imp\u00f4t cantonal, communal ou f\u00e9d\u00e9ral direct (IFD) sur ces sommes.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>L'impact sur le taux marginal :<\/strong> \u00c0 l'instar de la fortune, ces revenus mondiaux doivent \u00eatre d\u00e9clar\u00e9s sous la rubrique des \"revenus de source \u00e9trang\u00e8re non imposables\". Ils interviendront dans le calcul de la r\u00e9serve de progressivit\u00e9. En clair, les dividendes de la SCPI vont l\u00e9g\u00e8rement augmenter le taux d'imposition appliqu\u00e9 \u00e0 vos revenus purement suisses (comme votre salaire), sans que les dividendes eux-m\u00eames ne soient ponctionn\u00e9s.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Absence de r\u00e9cup\u00e9ration d'imp\u00f4t \u00e0 la source :<\/strong> Contrairement aux actions d'entreprises \u00e9trang\u00e8res soumises \u00e0 l'imp\u00f4t anticip\u00e9 (qui permet parfois de demander une imputation forfaitaire d'imp\u00f4t - DA-1), l'imp\u00f4t pay\u00e9 \u00e0 la source dans le pays de l'immeuble (France, Allemagne, etc.) sur les revenus de la SCPI est d\u00e9finitif. Il n'y a pas de cr\u00e9dit d'imp\u00f4t r\u00e9cup\u00e9rable en Suisse, puisque la Suisse exon\u00e8re d\u00e9j\u00e0 ces revenus.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71815d8 elementor-widget elementor-widget-heading\" data-id=\"71815d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Existe-t-il des SCPI avec des immeubles physiques en Suisse ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d37df3 elementor-widget elementor-widget-text-editor\" data-id=\"2d37df3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lorsqu&rsquo;un investisseur s&rsquo;int\u00e9resse au concept de \u00ab\u00a0SCPI suisse\u00a0\u00bb, il imagine souvent acqu\u00e9rir indirectement des immeubles situ\u00e9s \u00e0 Gen\u00e8ve, Zurich ou Lausanne. Pourtant, la r\u00e9alit\u00e9 du march\u00e9 de la \u00ab\u00a0pierre-papier\u00a0\u00bb est tout autre : la part du patrimoine immobilier helv\u00e9tique au sein des SCPI fran\u00e7aises ou europ\u00e9ennes est quasiment nulle.<\/p><p>Si les soci\u00e9t\u00e9s de gestion s&rsquo;exportent massivement vers l&rsquo;Allemagne, l&rsquo;Espagne, les Pays-Bas ou le Royaume-Uni, elles \u00e9vitent historiquement le territoire suisse. Cette absence strat\u00e9gique n&rsquo;est pas un oubli, mais r\u00e9sulte de deux obstacles structurels majeurs : un cadre l\u00e9gal tr\u00e8s protectionniste et un risque de change complexe \u00e0 piloter.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b16311 elementor-widget elementor-widget-heading\" data-id=\"7b16311\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">La barri\u00e8re de la Lex Koller pour l'immobilier r\u00e9sidentiel<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a4155e elementor-widget elementor-widget-text-editor\" data-id=\"8a4155e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;investissement immobilier en Suisse par des entit\u00e9s \u00e9trang\u00e8res est strictement encadr\u00e9 par la Loi f\u00e9d\u00e9rale sur l&rsquo;acquisition d&rsquo;immeubles par des personnes \u00e0 l&rsquo;\u00e9tranger (LFAIE), universellement connue sous le nom de Lex Koller.<\/p><p>Cette l\u00e9gislation vise \u00e0 limiter l&#8217;emprise \u00e9trang\u00e8re sur le sol suisse. Pour une SCPI de droit fran\u00e7ais (consid\u00e9r\u00e9e juridiquement comme une \u00ab\u00a0personne \u00e0 l&rsquo;\u00e9tranger\u00a0\u00bb au sens de la loi), les cons\u00e9quences sont directes, car la Lex Koller interdit en principe \u00e0 un fonds d&rsquo;investissement \u00e9tranger non autoris\u00e9 d&rsquo;acqu\u00e9rir de l&rsquo;immobilier r\u00e9sidentiel en Suisse \u00e0 des fins de placement ou de rendement.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebf4caa elementor-widget elementor-widget-heading\" data-id=\"ebf4caa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Le d\u00e9fi du taux de change CHF\/EUR pour les g\u00e9rants<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-240aa22 elementor-widget elementor-widget-text-editor\" data-id=\"240aa22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le second frein majeur \u00e0 l&rsquo;int\u00e9gration d&rsquo;immeubles suisses dans les portefeuilles de SCPI est d&rsquo;ordre mon\u00e9taire et financier.<br \/>Par essence, une SCPI fran\u00e7aise (m\u00eame labellis\u00e9e \u00ab\u00a0europ\u00e9enne\u00a0\u00bb) collecte les capitaux de ses souscripteurs en euros (\u20ac) et a l&rsquo;obligation de distribuer ses dividendes dans cette m\u00eame devise.<\/p><p>Si la soci\u00e9t\u00e9 de gestion d\u00e9cidait d&rsquo;investir en Suisse, elle ach\u00e8terait le b\u00e2timent et percevrait les loyers de ses locataires en francs suisses (CHF).<\/p><p>Cette asym\u00e9trie de devises engendre des probl\u00e9matiques lourdes \u00e0 g\u00e9rer pour le fonds.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c47d7d5 elementor-cta--layout-image-left elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"c47d7d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tFrontalier ? Pr\u00e9parez votre retraite avec une strat\u00e9gie sur mesure\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tEntre la coordination de vos droits (AVS, LPP et r\u00e9gime fran\u00e7ais) et la n\u00e9cessit\u00e9 de g\u00e9n\u00e9rer des revenus compl\u00e9mentaires stables, b\u00e2tir sa retraite de frontalier demande de l'anticipation. L'int\u00e9gration de SCPI dans votre patrimoine est un levier puissant, \u00e0 condition d'adapter le montage \u00e0 votre fiscalit\u00e9 transfrontali\u00e8re.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"https:\/\/invexa.swiss\/planifier-un-rendez-vous\/\">\n\t\t\t\t\t\tR\u00e9aliser un bilan retraite\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a38152d elementor-widget elementor-widget-heading\" data-id=\"a38152d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tableau comparatif : SCPI vs fonds immobilier suisse<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6aad47 elementor-widget elementor-widget-html\" data-id=\"e6aad47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Comparatif SCPI europ\u00e9enne vs fonds immobilier suisse\",\n  \"description\": \"Tableau comparatif entre SCPI europ\u00e9enne et fonds immobilier suisse : r\u00e9glementation, devise, rendement, actifs, cotation, volatilit\u00e9, risque de change et fiscalit\u00e9.\",\n  \"keywords\": [\"SCPI vs fonds immobilier suisse\", \"investissement immobilier suisse\", \"SCPI europ\u00e9enne rendement\", \"fonds immobilier FINMA suisse\"]\n}\n<\/script>\n<div class=\"t\">\n  <table style=\"table-layout:fixed;\">\n    <colgroup>\n      <col style=\"width:20%;\">\n      <col style=\"width:40%;\">\n      <col style=\"width:40%;\">\n    <\/colgroup>\n    <caption style=\"display:none\">Comparatif SCPI europ\u00e9enne vs fonds immobilier suisse \u2014 r\u00e9glementation, rendement, fiscalit\u00e9 et risque de change<\/caption>\n    <thead>\n      <tr>\n        <th scope=\"col\">Crit\u00e8re<\/th>\n        <th scope=\"col\">SCPI Europ\u00e9enne<\/th>\n        <th scope=\"col\">Fonds Immobilier Suisse<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>Cadre r\u00e9glementaire<\/td>\n        <td data-label=\"SCPI Europ\u00e9enne\">Autorit\u00e9 des March\u00e9s Financiers (AMF, France)<\/td>\n        <td data-label=\"Fonds Immobilier Suisse\">Autorit\u00e9 f\u00e9d\u00e9rale de surveillance des march\u00e9s financiers (FINMA, Suisse)<\/td>\n      <\/tr>\n      <tr>\n        <td>Devise de libell\u00e9<\/td>\n        <td data-label=\"SCPI Europ\u00e9enne\">Euro (\u20ac)<\/td>\n        <td data-label=\"Fonds Immobilier Suisse\">Franc suisse (CHF)<\/td>\n      <\/tr>\n      <tr>\n        <td>Rendement moyen<\/td>\n        <td data-label=\"SCPI Europ\u00e9enne\"><span class=\"frais-low\">4,5 % \u00e0 7 %<\/span><\/td>\n        <td data-label=\"Fonds Immobilier Suisse\">2,5 % \u00e0 3,5 %<\/td>\n      <\/tr>\n      <tr>\n        <td>Actifs sous-jacents<\/td>\n        <td data-label=\"SCPI Europ\u00e9enne\">Immobilier d'entreprise (bureaux, sant\u00e9, logistique) en Zone Euro<\/td>\n        <td data-label=\"Fonds Immobilier Suisse\">Immobilier r\u00e9sidentiel et commercial en Suisse<\/td>\n      <\/tr>\n      <tr>\n        <td>Mode de cotation<\/td>\n        <td data-label=\"SCPI Europ\u00e9enne\">Non cot\u00e9 (valeur de reconstitution bas\u00e9e sur l'expertise immobili\u00e8re)<\/td>\n        <td data-label=\"Fonds Immobilier Suisse\">Cot\u00e9 en bourse (SIX Swiss Exchange) ou non cot\u00e9<\/td>\n      <\/tr>\n      <tr>\n        <td>Volatilit\u00e9 de la part<\/td>\n        <td data-label=\"SCPI Europ\u00e9enne\"><span class=\"frais-low\">Faible<\/span> (prix fix\u00e9 par la soci\u00e9t\u00e9 de gestion sur expertise annuelle)<\/td>\n        <td data-label=\"Fonds Immobilier Suisse\">Mod\u00e9r\u00e9e \u00e0 \u00e9lev\u00e9e (soumis aux fluctuations boursi\u00e8res via l'agio\/disagio)<\/td>\n      <\/tr>\n      <tr>\n        <td>Risque de change<\/td>\n        <td data-label=\"SCPI Europ\u00e9enne\">Oui (exposition aux fluctuations de la paire EUR\/CHF)<\/td>\n        <td data-label=\"Fonds Immobilier Suisse\"><span class=\"frais-low\">Non<\/span> (exposition purement en CHF)<\/td>\n      <\/tr>\n      <tr>\n        <td>Fiscalit\u00e9 (r\u00e9sident suisse)<\/td>\n        <td data-label=\"SCPI Europ\u00e9enne\">Exon\u00e9ration d'imp\u00f4t en Suisse (calcul au taux effectif) ; imposition mod\u00e9r\u00e9e \u00e0 la source<\/td>\n        <td data-label=\"Fonds Immobilier Suisse\">Imposition sur la fortune et sur les revenus (sauf fonds \u00e0 d\u00e9tention directe d'immeubles)<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5c0a32 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e5c0a32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>Le rendement :<\/strong> La SCPI europ\u00e9enne offre un taux net nettement sup\u00e9rieur, mais introduit un risque de change (fluctuation de l'euro face au franc suisse).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>La volatilit\u00e9 :<\/strong> La SCPI est stable (prix fix\u00e9 par expertise). Le fonds suisse subit les variations de la bourse (effets d'agio\/disagio).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"#000000\" width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" id=\"check-mark-circle-2\" class=\"icon line\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><path id=\"primary\" d=\"M20.94,11A8.26,8.26,0,0,1,21,12a9,9,0,1,1-9-9,8.83,8.83,0,0,1,4,1\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/path><polyline id=\"primary-2\" data-name=\"primary\" points=\"21 5 12 14 8 10\" style=\"fill: none; stroke: #071659; stroke-linecap: round; stroke-linejoin: round; stroke-width: 1.5;\"><\/polyline><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><strong>L'arbitrage :<\/strong> Le fonds suisse convient aux investisseurs cherchant du 100 % CHF sans volatilit\u00e9 boursi\u00e8re. La SCPI cible ceux qui cherchent du rendement et une diversification europ\u00e9enne.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0b3a38 elementor-widget elementor-widget-heading\" data-id=\"c0b3a38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c74441d elementor-widget elementor-widget-n-accordion\" data-id=\"c74441d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2080\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2080\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Un r\u00e9sident suisse peut-il souscrire \u00e0 une SCPI fran\u00e7aise ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2080\" class=\"elementor-element elementor-element-4d33b40 e-con-full e-flex e-con e-child\" data-id=\"4d33b40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75f5afc elementor-widget elementor-widget-text-editor\" data-id=\"75f5afc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Oui. La majorit\u00e9 des SCPI fran\u00e7aises sont accessibles aux non-r\u00e9sidents.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2081\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2081\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Comment sont per\u00e7us les dividendes ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2081\" class=\"elementor-element elementor-element-3378d23 e-con-full e-flex e-con e-child\" data-id=\"3378d23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e86d5a elementor-widget elementor-widget-text-editor\" data-id=\"1e86d5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Les revenus locatifs sont distribu\u00e9s la plupart du temps chaque mois. Ils sont vers\u00e9s directement sur le compte bancaire de l&rsquo;investisseur. Disposer d&rsquo;un compte en euros est souvent privil\u00e9gi\u00e9 pour \u00e9viter des frais de conversion r\u00e9p\u00e9t\u00e9s, bien qu&rsquo;un virement direct sur un compte en francs suisses soit tout \u00e0 fait possible selon les banques.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2082\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2082\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Est-ce que la SCPI est un bon outil pour pr\u00e9parer sa retraite depuis la Suisse ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2082\" class=\"elementor-element elementor-element-c6d1b07 e-con-full e-flex e-con e-child\" data-id=\"c6d1b07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbe33e5 elementor-widget elementor-widget-text-editor\" data-id=\"dbe33e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Oui, la r\u00e9gularit\u00e9 des dividendes et la gestion enti\u00e8rement d\u00e9l\u00e9gu\u00e9e en font une solution pertinente pour g\u00e9n\u00e9rer des revenus mensuels \u00e0 long terme lors de la <a href=\"https:\/\/invexa.swiss\/retraite-suisse\/\">retraite<\/a>. C&rsquo;est \u00e9galement un excellent levier de transmission. De plus, contrairement \u00e0 un placement classique (plan de retrait), <strong>le capital ne s&rsquo;\u00e9puise pas<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2083\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2083\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Peut-on loger des parts de SCPI dans un 3e pilier suisse ? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M413.1 222.5l22.2 22.2c9.4 9.4 9.4 24.6 0 33.9L241 473c-9.4 9.4-24.6 9.4-33.9 0L12.7 278.6c-9.4-9.4-9.4-24.6 0-33.9l22.2-22.2c9.5-9.5 25-9.3 34.3.4L184 343.4V56c0-13.3 10.7-24 24-24h32c13.3 0 24 10.7 24 24v287.4l114.8-120.5c9.3-9.8 24.8-10 34.3-.4z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2083\" class=\"elementor-element elementor-element-24bcc08 e-con-full e-flex e-con e-child\" data-id=\"24bcc08\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24a1d31 elementor-widget elementor-widget-text-editor\" data-id=\"24a1d31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En r\u00e8gle g\u00e9n\u00e9rale, non. Les solutions de <a href=\"https:\/\/invexa.swiss\/pilier-3a\/\">pr\u00e9voyance li\u00e9e (3e pilier A)<\/a> aupr\u00e8s des banques ou assurances en Suisse sont soumises \u00e0 des restrictions d&rsquo;investissement strictes (fonds agr\u00e9\u00e9s par la FINMA, diversification r\u00e9glement\u00e9e).\u00a0<\/p><p>En revanche, des solutions restreintes permettent d&rsquo;investir dans des fonds immobiliers suisses (3a et <a href=\"https:\/\/invexa.swiss\/pilier-3b\/\">3b<\/a>).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pour les r\u00e9sidents suisses, la SCPI repr\u00e9sente une alternative strat\u00e9gique aux faibles rendements de l&rsquo;immobilier helv\u00e9tique. Elle permet d&rsquo;allier des taux de distribution attractifs en zone euro (4,5 % \u00e0 6,5 %) \u00e0 une fiscalit\u00e9 transfrontali\u00e8re optimis\u00e9e, tout en d\u00e9l\u00e9guant enti\u00e8rement la gestion.<\/p>","protected":false},"author":1,"featured_media":2331,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/2315","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/comments?post=2315"}],"version-history":[{"count":28,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/2315\/revisions"}],"predecessor-version":[{"id":2358,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/posts\/2315\/revisions\/2358"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media\/2331"}],"wp:attachment":[{"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/media?parent=2315"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/categories?post=2315"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexa.swiss\/en\/wp-json\/wp\/v2\/tags?post=2315"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}