Retirement planning through real estate
“Real estate is the assurance of a more peaceful retirement, because today you build what you will need tomorrow.”
When we talk about retirement, we often think of the state system, points and quarters. But that is no longer enough. Many people realize that additional income will be essential to maintain their standard of living. Real estate is one of the best ways to achieve this, provided you start early enough. At Horizons Immobilier, we help you build this strategy well before retirement age, so you can fully enjoy the fruits of your investment.
Update 2026 · updated October 2026
- With rates around 3.5 to 3.75% in fall 2026, borrowing early and over a long term remains the key to building assets before retirement.
- The private landlord status (9-year leasing commitment) can fit into a retirement strategy.
- Aim for properties with a good energy rating: G-rated homes are already banned from leasing and F-rated homes will be from 2028.
Investing in a rental property during your working life lets you repay the loan with the rent received while building assets. Once retired, the loan is often repaid and the rent becomes a real monthly income. We help you choose profitable, well-located properties with controlled charges and long-term growth potential. This provides a solid additional income without depending on financial markets or a salaried job.
Choosing the right property is essential to maximize this future income. We favor areas with strong rental demand, where occupancy exceeds 95% and gross yield ranges between 6 and 10%. Students, young professionals and small families are reliable, long-term targets. With Horizons Immobilier, you benefit from local market studies, cash-flow analyses and precise simulations to identify the properties offering the best balance between yield, management costs and growth potential.
Preparing for retirement through real estate also means thinking about what comes next. What happens if you can no longer manage? Have you planned the transfer? A well-built SCI, a management contract or a gradual resale plan can change everything. Our role at Horizons Immobilier is to make all this simpler for you: anticipate, structure and let you enjoy your retirement with more freedom, less stress and much more peace of mind.
Ultimately, preparing for retirement with real estate means building living capital that stays with you throughout your life. With Horizons Immobilier, your strategy covers not only purchase and financing, but also future management, transfer and adapting to unexpected health or mobility changes.
About the author
Walid Fourhal Founder of Horizons Immobilier
Walid advises sellers, buyers and investors in Paris and Île-de-France, from the initial valuation through to closing at the notary’s office, in both French and English. He holds the French real estate license “Transactions sur immeubles et fonds de commerce” no. CPI 9201 2025 000 000 047, issued by the CCI Paris Île-de-France.
