DiversyFund Review – Investing in Real Estate Without a Ton of Dough
- What is DiversyFund?
- How much does DiversyFund cost?
- Why REITs?
- DiversyFund features
- Who is DiversyFund best for?
- Who shouldn’t use DiversyFund?
- Pros & cons
- DiversyFund vs competitors
- The bottom line
What is DiversyFund?
How much does DiversyFund cost?
|ETFs||The S&P 500 is a type of exchange-traded fund. ETFs are traded on stock exchanges and are similar to mutual funds. They’re sold throughout the day, while mutual funds are sold at day’s end. Finding an average return for ETFs is difficult since there are so many of them.|
|Mutual funds||In 2020, mutual funds in seven broad categories averaged a return of roughly $10%, almost double the average annual return over the past 15 years.|
|IRAs||Roth IRAs have historically earned 7-10% average annual returns. A traditional Individual Retirement Account invested in large-company stocks has earned an average annual return rate of 11.31%, according to data from New York University.|
|Bonds||Long-term government bonds have returned between 5% and 6%, according to investment researcher Morningstar.|
Stock market returns
- Total return 2017: 29.11%
- Total return 2018: -3.48%.
- Total return 2017: 21.83%
- Total return 2018: -4.38%
How returns are paid
Nonaccredited investors allowed
Who is DiversyFund best for?
Nonaccredited investors seeking diversification
Investors who don’t need money back soon
People with only $500 to invest
Who shouldn’t use DiversyFund?
People who want liquidity
People who don’t like limited investment choices
Pros & cons
- Inexpensive entry: $500 minimum investment required.
- Diversify portfolio: Access to commercial real estate deals, as opposed to stocks and bonds that most people are invested in.
- No management fees: No fees are charged because DiversyFund cuts out the middleman and buys, runs, and sells the properties. For that service, the company takes 2-8%.
- Don’t have to be accredited investors: Nonaccredited investors can join, which basically means they don’t have to have a high income.
- Long timeline: Five-year investment until paid out.
- No liquidity: Investors can’t take their money out before the properties are sold in five years.
- Limited choices: Only one REIT is available through DiversyFund.
DiversyFund vs competitors
|Platform||Management fees||Other fees||Account minimum|
|Realty Mogul||1-1.25%||Up to 3%||$5,000|
The bottom line
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