Y Immo

Y Immo, created in May 2023, is a property investment company with variable capital offered in the form of unit-linked in life insurance policies through Suravenir.

Its strategy is based on a regional allocation managed directly by Épopée Gestion, complemented by a selection of high-performance international funds managed by third-party asset management companies. This synergy enhances performance by ensuring well-balanced geographic and sector diversification.

Y Immo benefits from the SRI label, with an ESG approach aligned with Épopée Gestion’s extra-financial practices. Épopée Gestion’s commitment to sustainable development is demonstrated by its attentive management of environmental, social and governance impacts, complemented by a strong territorial strategy. Each investment is subject to an in-depth analysis, a rigorous process which ensures that the assets under management meet the high standards of the SRI label, while contributing to a better quality of local life and the preservation of the environment

Y Immo is available exclusively through Yomoni, the French leader in online savings management. Go to Yomoni.fr

The vehicle is available with no entry or exit fees, and optimized management fees of 2.9% p.a. (including life insurance envelope fees).

• Risk of capital loss

SC Y Immo offers no guarantee of capital protection. The capital invested may not be returned, or may only be partially returned, even if the investor holds on to his or her units for the entire recommended investment period.

• Discretionary management risk

SC Y Immo’s management style is based on anticipating market trends and/or asset selection. There is a risk that SC Y Immo may not be invested in the best-performing markets or properties at all times. This could have a negative impact on the net asset value of SC Y Immo. Similarly, the performance of SC Y Immo may fall below the management objective.

• Risks related to investments in real estate assets

Fluctuations in the real estate market can lead to significant variations in the value of buildings, as can changes in the rental market (risk of vacancies or unpaid rent) and the level of technical performance of buildings. Potential income from real estate assets may rise or fall according to economic and real estate conditions, and is not guaranteed.

• Liquidity risk

The real estate market offers limited liquidity. Sustained demand for unit redemptions over a short period may have an unfavorable impact on the sale price of properties that have to be sold within a limited timeframe, which could have a negative impact on net asset value.

• Risks related to debt and leverage

The use of debt exposes SC Y Immo to the risk of unfavorable changes in interest rates in the event of taking out a variable-rate loan, and to the risks associated with a general rise in interest rates. While the use of leverage increases SC Y Immo’s investment capacity, it also entails the risk that losses will be greater than for an unleveraged investment, and may therefore lead to a fall in SC Y Immo’s net asset value.