房地产众筹投资分析

2020年05月29日

来源:柴老师国际教育服务

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房地产众筹的优势

众筹可以为投资者提供一种参与以前不可用的房地产交易的方式。与投资公开交易的房地产投资信托基金不同,众筹可让您投资特定的房地产。

房地产投资提供了高回报的机会。

众筹的另一个优点是,商业房地产回报通常与股票市场的关联较少。现在,这一点比以往任何时候都重要,因为我们目睹了前所未有的股市波动和不确定性。此外,这些收益既可以提供稳定的收入,也可以提供租金收入以及出售物业时潜在的大量资本收益。

尽管我们现在正处于通货膨胀率较低的时期,但通货膨胀势必会在未来某个时候增加。房地产被广泛认为是对冲通胀的对冲工具。

房地产众筹的弊端

众筹可能对某些投资者来说是理想的,但并非适合所有人。

当投资单个物业时,风险水平会上升。翻新,增加租金和转售商业地产的计划可能不会按计划进行,从而限制了潜在的回报。可能存在无法预料的经济形势,或者很难找到买家或租户,这可能会损害潜在的利润。

众筹中的大多数房地产交易缺乏流动性,需要长期持有。交易规定了预期的持有期,通常至少为三年,而众筹的房地产投资信托基金可能更容易出售。这表明投资者必须从长远角度进行这类投资,并使用他们有能力长期留在平台上的资金。

实现众筹利润可能需要很长时间。如果在出租和出售之前对房屋进行翻新,则在维修期间,不会有现金流向投资者。

尽管有针对小型投资者的房地产众筹交易,但大多数交易是针对较富裕的认可投资者进行的。

房地产众筹对您来说值得吗?

众筹房地产投资是否适合您取决于几个因素:您的资产净值,时间跨度,风险承受能力,可投资资产总额以及投资组合的多元化偏好。此外,房地产众筹是一种较新的投资类别,与REIT和房地产共同基金相比,其评估时间更少。

要确定众筹是否适合您,请多做功课。研究可用的房地产众筹平台。评估交易。确定您是否有资格获得投资机会。最终,如果您有较长的时间框架,多元化的投资组合的意向及处理风险投资的能力,那么房地产众筹可能适合您。

Advantages of Real Estate Crowdfunding

Crowdfunding can offer investors a way to participate in real estate deals that were previously unavailable. Unlike investing in publicly traded REITs, crowdfunding lets you invest in a specific property.

Real estate offers the opportunity for high returns.

Another pro of crowdfunding is that commercial real estate returns are typically less correlated with those of the stock market. This is important now, more than ever as we witness unprecedented stock market volatility and uncertainty. Additionally, the returns offer both steady income, from rents and potentially large capital gains when a property is sold.

Although we’re in a period of low inflation now, inflation is bound to increase at some point in the future. Real estate is widely accepted as a hedge against inflation.

Disadvantages of Real Estate Crowdfunding

Crowdfunding may be ideal for some investors, but not all.

When investing in a single property, risk levels rise. Plans to renovate, increase rents, and resell a commercial property may not go as planned, curbing potential returns. There might be an unforeseen economic scenario or difficulty finding a buyer or tenants, which might hurt potential profits.

Most real estate deals in crowdfunding are illiquid and require long holding periods. The deals state the anticipated holding period, generally at least three years, although crowdfunded REITs might be easier to sell. This suggests that investors must go into these types of investments with a long term view, using money they can afford to leave in the platform for long periods.

It might take a long time to realize the crowdfunded profits. If a property is being renovated before renting and selling, during the repair period, there’s no cash flow to investors.

Although there are real estate crowdfunded deals for small investors, most are designated for wealthier accredited investors.

Is Real Estate Crowdfunding Worth It for You?

Whether crowdfunded real estate investing is for you or not depends upon several factors: your net worth, your time horizon, your risk tolerance, your total investable assets, and your portfolio diversification preferences. Additionally, real estate crowdfunding is a newer investment class with less time for evaluation than REITs and real estate mutual funds.

To decide whether crowdfunding is for you or not, do your homework. Research the available real estate crowdfunded platforms. Evaluate the deals. Determine your eligibility for the investment opportunity. Ultimately, crowdfunding in real estate might be right for you if you have a long time frame, a diversified portfolio and the ability to handle a risky investment.

成功案例

  • Jasmine

    原杭州第二中学高二学生, 就读英国圣登仕廷学院A-Level课程

    录取大学:剑桥大学

    全球排名:02

  • Aaron

    原广东省中山纪念中学学生, 就读英国圣登仕廷学院A-Level课程

    录取大学:牛津大学

    全球排名:01

  • Chole

    原杭州新世纪外国语学校学生, 就读英国圣登仕廷学院A-Level课程

    录取大学:伦敦大学学院

    全球排名:19

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