What is the difference between the various products offered by Raizers ?
At Raizers, the main differences lie in the marketing method, the investment framework and the nature of the assets. Our products fall into two main categories:
- Private Property Debt (our long-standing core business
)
- How to invest: Directly via our platform, under our licence as a Crowdfunding Service Provider (PSFP).
- How it works: You lend capital directly in the form of bonds to property professionals (developers, property investors).
- Features: Short- to medium-term investments (around 2 years on average) offering an attractive target return (around 10.5% per annum). Subscriptions and redemptions are carried out via your Raizers portfolio.
- Savings and Diversification Products (Raizers Patrimoine
)
- Distribution method: Via a life insurance (and capitalisation) policy, under the authorisation of an insurance broker (COA) registered with ORIAS. This new service allows you to diversify your assets beyond crowdfunding.
- How it works: A tax-efficient framework allowing for a wide range of investment vehicles (unit-linked products and money market funds), with payments managed via direct debit
Investment vehicles available under the policy:
- Property & Tangible Assets:
- SCPI (Sociétés Civiles de Placement Immobilier): Investment in ‘real estate securities’ enabling you to receive a share of the rental income from a managed property portfolio (offices, retail, healthcare).
- Property Equity & Club Deals: Taking an equity stake in targeted property companies or projects with higher capital appreciation potential.
- Financial Markets & Investment Funds:
- ETFs (Exchange-Traded Funds): Funds that track the performance of stock market indices (e.g. S&P 500, CAC 40) for low-cost diversification.
- Structured Products: Bespoke investments combining capital protection or coupon payments subject to the performance of an underlying asset.
- Equity, Bond and Money Market Funds: Actively managed funds covering the entire risk spectrum, from very secure, very short-term money market investments to shares in listed companies with high potential returns.
- Private Equity: Investment in the capital of unlisted companies to finance their development and transformation over the long term.
Comparative overview of the two investment universes
Criterion | Private Real Estate | Life Insurance / Raizers Patrimoine |
|---|---|---|
Primary objective | High returns in the sort to medium | Wealth structuring, management and transfer |
Investment horizon | ~2 years (project duration) | Medium to long term (optimised after 8 years) |
Payment method | Raizers Portfolio | Direct debit |
Diversification | Specific property projects on a case-by-case basis | + 500 investment vehicles (shares, ETFs, SCPIs, structured products, etc.) |
Regulatory framework | PSFP authorisation (Crowdfunding – AMF) | COA authorisation (Insurance – ORIAS) |
In summary
Private property debt allows you to invest directly in targeted short-term crowdfunding projects, whilst Raizers life insurance is a comprehensive and tax-efficient solution enabling you to diversify your assets over the medium to long term across all financial markets
Updated on: 17/09/2026
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