What are the tips and tricks for investing in wine?

Il existe quelques conseils et astuces pour investir dans le vin. L’un d’eux consiste à essayer d’acheter du vin provenant d’un bon millésime. En effet, le vin pourra bien vieillir et vaudra plus cher à l’avenir. Un autre conseil est d’acheter du vin provenant d’une cave réputée. En effet, vous pouvez être sûr que le vin sera de haute qualité. Enfin, il est important de faire des recherches avant d’investir dans le vin. Ainsi, vous saurez quels sont les vins dans lesquels il vaut la peine d’investir et ceux qui ne le sont pas.Investir dans le vin offre la possibilité de concilier passion et rentabilité financière. C’est un véritable projet sur le long terme qui vous permettra de boire, conserver et resell your bottles of wine at a golden price.

The returns of this investment are higher than traditional investments. However, it is crucial to be well informed before embarking on this adventure. Wine lovers, here are some tips and tricks for investing in wine.

Diversify your investment

If you want to boost your savings planInvesting in wine is an excellent choice, but it does present some risks. So, in order to secure your assetsit is very important to diversify your investment. Do not limit yourself to a single grape variety or region. By doing so, you will be able to protect yourself against the drop in demand that certain vintages may experience.

You must also be very careful in the selection of your wine bottles. Favour very good bottles without immediately turning to the grands crus classés. These have a very high initial purchase price, because they come from grape varieties renowned. Your threshold of profitability will not be easy to achieve. One of the most important criteria to consider when selecting your wines is the choice of vintage.

It must be perfectly balanced and made for aging. Also, take into account the rarity of the wine. Choose wines that are produced in small quantities, but for which there is a high demand. Also, there are many regions viticultural where you will be able to buy your wines, but you will have to give a place of choice to the classic regions. Thus, the wines of the Rhone Valleyof Bordeaux and Burgundy represent safe values.

The Rhone Valley is a region with great potential and many successful wineries. The wines Bordeaux have an international reputation and generate an important demand each year. They also have a great capacity of keeping, which allows them to age for a long time.

The vineyards of Burgundy are also an excellent option to invest in wine. They are among the top three French regions with the best vintages. They offer spirits which are in great demand internationally. Apart from the French winesSome nuggets can be found abroad.

Countries such as Italy, Spain, the United States and Chile are full of fine wines. If you don't know anything about it, don't hesitate to use a cellarman. He will be able to advise you and guide you to make the best choices. In addition, the taxation is also something you should consider.

Be aware that if you are making capital gains in case of resale of your bottles, you can benefit fromtax benefits. For example, it is a exemption if the amount is less than 5 000 €. If it is higher than this amount, you will have to pay a income tax of 19 % in addition to social security contributions. However, you can benefit from a tax credit and therefore a abatement 5 % per year of ownership beyond the second year.

Opt for investment in wine through a financial product

Investing in the stock market in the wine as it is usually done on the CAC 40 is possible. You can therefore invest your money in vineyards via financial products. There is also the option of ETFs (Exchange Traded Fund). These trackers are index funds that replicate the performance of an index scholarship holder.

A stock market index is usually made up of several companies and tends to reflect their economic evolution. Wine ETFs thus provide a representative basket of certain companies exposed to the wine market. Invest then in ETFs that have a strong liquidity with a strong asset base. Transaction costs in these cases are almost always low and the volatility is not too strong.  

Also, ETFs are part of the units of account and are available on thelife insurance or even euro funds. This capital is often exempt at death. The life insurance contract is a tax wrapper that can also be used on financial markets obligations for investments on the wine.

You can therefore build a portfolio of bonds spread over time. This will allow you to take advantage of rising interest rates to reinvest the maturing portion of your portfolio at the new rates. Consider save your money with financial investments rather than letting it "sleep" on your current account or your savings account. Indeed, the booklets banking, specifically the booklet A, s pay very little and do not cover theinflation.

Consider your cellar as a financial investment

Investing your money in a personal wine cellar can bring a real added value to his house. The cellar is indeed the ideal place to preserve and improve the wine. You can call on a professional for this. The installation of cellars wine requires specific conditions such as :

  • a stable temperature;
  • a given humidity level;
  • an absence of light;
  • and an absence of vibrations.

Despite the cost of installation, you will have a definite advantage in the real estate market. For many people, the wine cellar is a key element in the acquisition of property land. Just to have the luxury of having a wine cellar already built in, a collector of great wines can pay much more than the average.

The presence of a wine cellar can therefore facilitate the resale of your home. It is a real estate investment whose results will be convincing in the long term. In addition, you can opt for an investment rental. If your primary residence has a cellar, you can rent it on the market vineyard.

It is a practice advantageous which will allow you to reach a large, very interested and consequently faithful public. It will allow you to obtain land incomes regular. However, consider reviewing the terms of your insurance contract to be covered in case of damage.

Turn to investment funds specialized in wine

The investment funds can take many forms and allow you to grow intelligently your savings.  

Mutual funds

You can invest your money in a FCP (Fonds Commun de Placement). It is a OPVCM (Undertaking for Collective Investment in Transferable Securities) which allows you to become a co-owner of securities securities. You can indirectly obtain and own classified growths purchased from traders or in a vineyard. You will thus avoid the risks related to a bad knowledge of this field.

The SCPI

The SCPI (Société Civile de Placement Immobilier) is a means of collective investment with the aim of acquiring an asset land. SCPIs for the wine industry make it possible to acquire AOPs (Name d'Origine Protégée) in different regions of France. Investing your money in a Performance SCPI allows to mutualize the risks and to ensure the diversification of its heritage.

The GFV

If you are looking for how to invest your income without any risk and with the assurance that it is cost-effectiveYou should do it at the wineries. However, if you are the only one investorThe funds to be raised can be colossal. To limit this burden, you have the possibility of joining a GFV (Groupement Foncier Viticole).

It is a company that owns vines which includes several investors. The domains are entrusted to winegrowers for a period of at least 18 years. They perform payments of cash rent to investors. This annuity can also be paid in the form of bottles of wine. They can also offer them the purchase of wines at proprietary prices.

This participatory financing operation is still called "wine-funding". There are two types of GFV: the Closed-end GFV and the GFV with variable capital. In the first case, the transfer of a partner's shares is subject to the condition of finding a purchaser and paying registration fees.

In the second case, the transfer of shares can be made at any time without registration fees. Allowing toinvest in real estateThe GFV also gives rise to a reduction in theFSI (Impôt de Solidarité sur la Fortune) and the estate.

Invest in outsourced heritage wineries

Apart from the wine estates, you can hold a portfolio from raw by investing in a cellar heritage outsourced. Thanks to an expert in wealth managementYou will be able to follow the evolution of your goods with serenity and use them as you wish. You don't need to store your wine bottles at home.

All you have to do is buy bottles of wine online from a wine merchant who will store them. Through him, you will be able to resell without having to move. If you feel like it, you can have a great vintage like the famous Saint-Emilion to satisfy your taste buds.

The last possibility is that of cellars heritage driven. This is a very practical option if you have no knowledge of oenology. A specialist will make a standard selection that you will use to acquire your bottles of wine.

As you can see, there is no lack of solutions for investing in wine. However, they are not without risks and require a lot of patience and knowledge. Invest so be careful and don't hesitate to seek expert advice.

Which solution to invest in wine with a good profitability?

Vous venez de le lire, il existe de multiples solutions pour investir dans le vin, avec une rentabilité plus ou moins variable. En effet, comme pour l’achat d’un logement, dans certains cas, il vous faudra investir dans du matériel (cave à vin, …). Aussi, vous n’êtes pas à l’abri d’un accident, réduisant alors votre placement à néant. Quoi qu’il arrive (et vous serez d’accord avec nous), dans nos exemples, il faut une très bonne connaissance du vin, sans quoi vous risquez de voir vos placements vous apporter des moins-values, et ce n’est vraiment pas le but. Alors, avoir une cave rentable est-elle réservée à une poignée d’initiés ? Fort heureusement, la réponse est non. Nous allons vous donner une dernière solution pour faire un placement rentable dans du vin. Our advice for investing in wine sont simples, faciles et compréhensibles, même pour une personne qui confond un Bordeaux, un Bourgogne et un Côte du Rhône. D’ailleurs, il ne s’agit pas de plusieurs conseils, mais d’un seul. Il suffit de vous rendre sur le site cavissima.com. Vous connaissez sans doute ce site e-commerce, si vous êtes amateur de bon vin. Vous ignorez peut-être que le site propose également la possibilité de gérer votre cave à vin à distance. D’abord et avant toute chose, sachez que vos bouteilles sont stockées à Beaune ou à Genève dans un espace dédié à cet effet. Vos bouteilles sont donc en parfaite sécurité. Avec Cavissima, vous allez donc avoir la possibilité de gérer et d’administrer votre cave depuis votre ordinateur, votre tablette ou votre smartphone. Mais ce n’est pas tout, Cavissima propose aussi différentes offres, adaptées à tous les profils d’investisseurs. Voyez plutôt :

  • The Sesame Cellar: you will have a virtual assistant to help you choose the most profitable wines, depending on how long you want to keep your bottles. It will be possible to resell your bottles on the Cavissima website or to have them delivered to another investor.
  • The premium cellar: this time, it works like a life insurance. You will pay a fixed amount every month. However, the profitability is much better. Today, an investment in euros, with no risk of capital loss, will yield at best 1% per year. Here, with the same risk, you will have a return between 4 and 8%.
  • The platinum cellar: it is reserved for large investments since the entry ticket is 20 000 €. But if you think about it, this is rather low for a financial product that offers returns equivalent to those of real estate, minus the rental problems. Here, on the other hand, the virtual assistant is gone. You will have an expert to help you, who will advise you on which wines to buy or resell. You will also have the possibility to resell your bottles to professionals.

Whichever solution you choose, you will have the opportunity to taste your investment by having a bottle delivered, if you feel like it. This is rare enough to be noted.

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