Voorgerecht

$ 10

Basis

$ 1.000

Kern

$ 5.000

Geavanceerd

$ 10.000

Premie

$ 100.000

Hieronder vindt u enkele beleggingsfondsen waaraan u uw geld kunt toewijzen als u via Fundrise belegt:

En afhankelijk van uw risicotolerantie kunt u mogelijk in een van de vier verschillende beleggingsstrategieën beleggen.

Laten we dieper ingaan op de Fundrise-beleggingsstrategieën.

Beleggingsstrategieën voor fondsen

Je kunt bij Fundrise kiezen uit 4 verschillende beleggingsstrategieën:

1. Kern Plus
2. Toegevoegde waarde
3. Vast inkomen
4. Opportunistisch 

Het onderstaande diagram kan de relatie tussen risico en rendement tussen de vier typen beleggingsstrategieën beter illustreren.

Dus als u minder risico verkiest, kunt u overwegen om naar een vastrentende portefeuille te kijken (die zich over het algemeen richt op het genereren van passieve inkomsten en niet zozeer op de waardering van vastgoed).

Hier ziet u het verschil tussen de vier strategieën beter:

Laten we dieper ingaan op de vier beleggingsstrategieën:

Vast inkomen 

De vastrentende beleggingsstrategie richt zich op vastgoedbeleggingen van hoge kwaliteit die bovengemiddelde rendementen kunnen opleveren.

Het nadeel van een vastrentende strategie is dat u een lager risico neemt, waardoor u doorgaans ook een lager rendement genereert.

Hieronder vindt u enkele typische vastgoedbeleggingen met vastrentende waarden:

Kern Plus

Het Core Plus-model is iets riskanter dan het Fixed Income-model, waarbij Fundrise kwaliteitsvastgoedprojecten in groeiende markten wil financieren.

Houd er rekening mee dat het Fixed Income-model ernaar streeft tussen 6% en 8% van het passieve inkomen te genereren, terwijl het Core Plus-model zich richt op 4% tot 6% van het inkomen.

Aan de andere kant streeft het Core Plus-model naar een totaalrendement (inclusief vastgoedwaardering) tussen 8% en 10%, terwijl het totaalrendement van het Fixed Income-model veel lager is, namelijk 6% tot 8%.

Hieronder staan enkele typische vastgoedobjecten van het Core Plus-model:

Toegevoegde waarde

Het op één na meest risicovolle investeringsmodel staat bekend als het Value Add-model, waarbij doorgaans de nadruk wordt gelegd op de aankoop van reeds bestaande eigendommen, die een opknapbeurt nodig hebben.

Over het algemeen zijn deze eigendommen woongemeenschappen in groeimarkten.

Zoals u kunt zien, ligt de focus op inkomsten erg laag:2% tot 4% (vergeleken met het vastrentende model, dat 6% tot 8% bedroeg).

Het totaalrendement voor het Value Add-model is echter veel hoger, tussen 10% en 12%.

Hieronder vindt u enkele typische Value Add-eigenschappen die u in een Fundrise-portfolio tegenkomt:

Opportunistisch

De laatste en meest risicovolle beleggingsstrategie in Fundrise staat bekend als het Opportunistische fonds.

Het opportunistische fonds streeft ernaar vastgoed te verwerven dat:

• Goed gelegen
• Onderbenut
• In groeiende markten 

De opportunistische eigendommen zullen waarschijnlijk de eigendommen met de langste termijn in uw Fundrise-portefeuille zijn.

Zoals u kunt zien, is de focus op inkomsten vrijwel onbestaande, terwijl de focus op totaalrendement de hoogste is van de vier beleggingsstrategieën.

Hieronder staan enkele typische opportunistische eigenschappen die u kunt tegenkomen:

Fundrise IPO en IRA

Naast de mogelijkheid om te beleggen in eREIT's of eFunds, kunt u nog een derde beleggingsoptie hebben:beleggen in het bedrijf Fundrise zelf.

Laten we eens nader kijken naar enkele van de speciale beleggingsfuncties die Fundrise biedt:

Fundrise-IPO

U heeft toegang tot de Fundrise IPO-optie als u een van de volgende accounttypen heeft:

• Kern
• Basis
• Premie
• Geavanceerd

Fundrise beweert dat u binnen het eerste jaar dat u het investeringsplatform gebruikt, toegang heeft om in Fundrise te beleggen.

Wetende dat het bedrijf al sinds 2010 bestaat en ook wetende dat het bedrijf heeft bijgedragen aan de uitbetaling van meer dan $160 miljoen aan dividenden aan investeerders, zou dit een optie kunnen zijn om te overwegen.

Financier IRA

Als u op zoek bent naar een optie met belastingvoordeel waarmee u uw Fundrise-investering kunt laten groeien en tegelijkertijd belastingen kunt uitstellen, kunt u overwegen een IRA te openen via Fundrise.

Deze optie is alleen beschikbaar voor de volgende accounttypen:

• Kern
• Basis
• Premie
• Geavanceerd 

Fundrise biedt zowel traditionele IRA's als Roth IRA's.

Hieronder vindt u een kort overzicht van de twee verschillende typen beleggingsinstrumenten :

U betaalt vandaag geen belasting over uw bijdragen, maar wel over eventuele opnames

U betaalt vandaag belasting over uw bijdragen, maar u betaalt geen belasting over uw opnames

Houd er rekening mee dat er aanvullende regels zijn verbonden aan traditionele en Roth IRA-accounts, maar voor de doeleinden van dit artikel zal ik het kort houden.

Als u besluit een IRA te openen bij Fundrise, moet u:

• Open eerst een nieuwe IRA met Fundrise
• Maak een rechtstreekse overdracht van IRA-gelden (van uw oude IRA) naar uw nieuwe IRA

Hier is wat meer informatie over het openen van een IRA via Fundrise:

Jaarlijkse IRA-investeringskosten

$ 125

Fundrise IRA-bewaarder

Millennium Trust Company, LLC

Hoe u uw IRA-investeringskosten voor 1 jaar kunt kwijtschelden

Investeer $3.000+

Hoe u voor meerdere jaren kwijtschelding van uw IRA-investeringskosten kunt krijgen

Handhaaf een accountsaldo van €25.000+

Voordat u snelle beslissingen neemt en nieuwe IRA's overdraagt of opent, moet u eerst goed onderzoek doen en niet bang zijn om Fundrise of uw huidige IRA-bewaarder te bellen.

Hoe vindt en onderzoekt Fundrise zijn investeringen?

Fundrise neemt het controleproces zeer serieus om ervoor te zorgen dat u winst kunt maken – en dat Fundrise ook winst kan maken (uiteraard).

Het wordt nog beter:Fundrise is feitelijk de eerste die een particuliere vastgoeddeal financiert en biedt de deal vervolgens aan investeerders aan via zijn crowdfundingplatform.

Normaal gesproken is het andersom, waarbij de investeerders (u) eerst het risico nemen.

Dus aangezien Fundrise een groot risico neemt door eerst te investeren, zal het bedrijf zich uiteraard aan een strikt controleproces houden.

Zo werkt het Fundrise-controleproces in 4 stappen:

1. Sponsorscreening
2. Eerste projectcontroleproces
3. Gedetailleerde acceptatie
4. Aankoop van onroerend goed

Laten we deze processen wat diepgaander onderzoeken.

1. Sponsorscreening

De eerste stap van Fundrise is het beoordelen van het bedrijf en/of de sponsors die de eerste inzending hebben gedaan.

Terwijl Fundrise overspoeld wordt met financieringsverzoeken, zoekt Fundrise naar bedrijven die:

• Goed gefinancierd
• Heb weinig schulden
• Focus op de Amerikaanse markten
• Een succesvol trackrecord hebben

Van de vele inzendingen die Fundrise elke week ontvangt (ongeveer 250), wordt slechts ongeveer 25% als levensvatbare kandidaten beschouwd en gaat naar de tweede stap van Fundrise.

Laten we eens kijken naar de tweede stap.

2. Initiële projectdue diligence

Het tweede deel van het Fundrise-screeningproces gaat een stap verder dan sponsorscreening:dit is waar Fundrise het type en de aard van het projectaanbod nader bekijkt.

Fundrise zoekt doorgaans naar projecten die gericht zijn op:

• Mezzanineschuld
• Voorkeursaandelen
• Senior gedekte schulden
• Korte termijn (tot ongeveer 5 jaar)

Laten we eens kijken wat deze nogal complexe termen in gewoon Engels betekenen:

Mezzanineschuld

– Is als een hybride schuld die zowel schuldfinanciering (oftewel je leent geld uit) als aandelenfinanciering (oftewel je wordt de eigenaar) omvat

– Kan u ook het recht geven om uw schuld om te zetten in aandelen

– Is behoorlijk riskant als een bedrijf failliet gaat, omdat uw initiële investering mogelijk nooit wordt terugbetaald

Voorkeursaandeel

– Niet erg riskant, want als het bedrijf failliet gaat, is de kans groter dat u uw initiële investering terugkrijgt dan wanneer u een mezzanineschuldbenadering zou gebruiken

– U heeft geen stemrecht, maar u kunt wel dividenden verdienen op basis van de inkomsten van een bedrijf

Senior gedekte schulden

– Meestal schulden met het laagste risico, aangezien dit schulden zijn die worden gedekt door activa als onderpand (uw huis is bijvoorbeeld onderpand voor uw hypotheekmaatschappij

– Als u uw hypotheek niet kunt betalen, zal uw hypotheekverstrekker uw huis afpakken, u eruit schoppen en uw huis verkopen om geld te verdienen)

Houd er rekening mee dat hoe hoger uw risico, doorgaans, hoe hoger de beloning.

You just really have to understand your own comfort level before committing to a certain investment type.

3. Detailed Underwriting

The third step in the Fundrise vetting process really focuses on the granular aspect:Fundrise shreds apart each request to look into the details.

Let’s take a look at what underwriting actually means:

This is really where it matters, and Fundrise takes its time as well.

In fact, Fundrise claims that it ensures each project passes a 350+ data point checklist to review a potential deal’s candidacy for the Fundrise platform.

Some of the data points Fundrise evaluates in each real estate deal include: 

• Site plan
• Sales comparisons
• Rental comparisons
• A list of tenants with subsidies
• Occupancy history of the past 36 months

If you want to take a closer look at additional evaluating criteria, then check out this screenshot below:

As you can see, Fundrise does not take the vetting process lightly.

4. Purchase

The final step in the Fundrise 4-step vetting process is actually purchasing the real estate deal itself.

Keep in mind that Fundrise bears the brunt of the risk because the company pre-funds the deal.

This means you (the investor) has much less risk because you’re not the first person to invest their money. Fundrise is.

What Investments Does Fundrise Offer Investors?

As a Fundrise investor, you can invest in a lot of different private market commercial real estate projects – many of which typically cost between $1 million to $30+ million.

As of early 2022, Fundrise offers 248 active real estate investment projects for its investors.

Take a look at some of the investment options below:

As you can see, there are a variety of projects, ranging from residential apartment construction to a full home construction site.

Here’s a little more insight:

Fundrise invests in these projects

– Single family homes

– Residential apartments

– Industrial commercial property

Locations

– Texas

– Florida

– Georgia

– California

Percent of real estate deals received by Fundrise each year

13,000+

Percent of real estate deals that are approved by Fundrise

<1% of all submitted deals

It appears that the majority of the Fundrise deals are located in what is known as the “Smile States.”

In general, the “Smile States” refers to the Sunbelt region, where cities have been growing faster than their northern counterparts.

Below is a map of the US real estate deals Fundrise is currently offering (as of early 2022):

In fact, southern cities, according to Fundrise, make up 66% of the total urban population growth in the country.

Here’s another good view of the 4 major southern cities Fundrise tends to invest in:

The good news is that even if you’re not well versed when it comes to real estate investing, Fundrise’s team of analysts can help you make an informed and relatively calculated decision to help your investment earn money in the long run.

Just remember to never invest more than what you are comfortable losing.

You’ll have to input your email address and create your own account password.

You’ll also have to fill out additional, personal information, such as:

• Your age 
• How much you can invest
• Why you’re interested in Fundrise
• Who you consult for investing advice
• Your familiarity with investing (are you an expert or beginner?)

One of the questions that I find is very important to answer is the one below:

The duration of your investment, or how long you plan to keep your money illiquid, plays a critical role in whether 1 investment is better for you over another.

I think it’s so important to keep in mind that your investment will be illiquid for a certain period of time.

Once you’ve answered basic investment questions, you’ll have to go through a series of Questions, to set up your user profile:

• Your legal name
• Country of citizenship

Next, you’ll need to select the type of account you plan to open:

You can open an individual account (which is a regular, taxable account that’s titled in your name).

However, you can also open other accounts such as:

• Gezamenlijke accounts
• Vertrouwenaccounts
• Entity accounts

From there, you’ll need to input your address, phone number, social security number, etc.

And finally, you can access your profile.

Notice that based on your answers in the initial questionnaire, Fundrise constructs a customized portfolio for you, which you can see on the right.

I do like that Fundrise helps allocate your portfolio based on your answers.

Now, if you’re curious about what each of the 44 different active projects in your investment portfolio looks like, then hover your mouse over a specific color in the circle and click on that color.

For example, if I’m looking at the Core Plus portion of my portfolio, I can scroll through each active project and see the location and roughly how much of my portfolio each project would occupy.

If you want to take it a step further and actually see the project itself, just click on the circle again and a new window will pop open, with your project’s features.

From there, you can click on the “View Details” tab to dig even further into your investment property’s status.

This is a $42 million dollar project – and I’m not going to lie, it’s actually pretty cool to think about being an investor in such a big undertaking!

You’ll see additional details such as the capital funding of the project.

In general, the more debt a project has, the riskier it is.

You’ll want to maintain your debt ratio to about 70% to 80%, so seeing that this project has about 53% of debt, you could feel a little less worried about its inherent risk.

You can also see the project timeline with regular updates:

Normally, I’ve noticed on Fundrise that project updates are made every quarter or so, which means that this update (about 9 months old) could be a little outdated.

However, if you want to learn more about the latest update, just click on the title (in this case, “Stabilized apartments near Tampa, FL”) and you’ll be brought to a separate page.

As you can see, by clicking on the project timeline update itself, you’ll be led to a new page with additional details, including:

• Bedrijfsplannen
• Marktanalyse
• Local economy analysis
• Analysis on potential income

Personally, however, I would have liked to see a little more information for each project update.

Back in the main page of your investor portal, I’m a big fan of both the “Newsfeed” and the “Spotlight” sections.

The Spotlight Section is there in case you want to take a deeper dive into all things real estate investing.

The Newsfeed Section is available to those who are looking for things like:

• Investor reports
• Fundrise updates
• Quarterly updates
• Fundrise project updates

Now, if you’re ready to invest, you’ll want to click on the orange “Invest Now” button, right in the center of your investor dashboard.

Remember to invest only as much as you are willing to lose.

Investing in real estate can be risky and long-term. Do your research before you commit yourself financially.

How Do I Check for New Fundrise Offerings?

Here’s how to browse through each current real estate investment:

• Go to the home page
• Scroll to the bottom of the page
• Click on “Real Estate,” under the “Products” section

…And voila!

As of early 2022, Fundrise offered more than 248 real estate investment projects for investors like you and me.

Here is a look at a project in Tarpon Springs, Florida (close to Tampa).

If you click on the “View Details” tab, you can see each project’s strategy, market analysis, project timeline, etc.

Fundrise Secondary Market

If you’re concerned about liquidity (aka how easily can you sell your investments), then you should be.

That’s because Fundrise has a very limited secondary market (some would even argue Fundrise does not have a secondary market).

That means you’ll only be able to buy/sell your Fundrise share to other Fundrise investors (so your pool of potential candidates is very small).

Typically, the only reason you would want to resort to the secondary market is that you’re looking for liquidity (aka you need the cash) before the real estate project itself is actually sold.

I should note that selling your shares is not guaranteed – even on the secondary market.

Now, the good news is that you can redeem some of your shares (like if you invested in an eREIT, for instance).

So while you can redeem your shares on only certain investment types, there are several restrictions built into the redeeming process that include:

• You’ll likely never receive 100% of the full share value
• You can only redeem a certain number of shares every quarter
• You can’t redeem your shares within the first 6 months of investing

Below is a rough example of how most redemption schedules would look like, through Fundrise:

Redemption Penalty:0 to 6 Months

You are not allowed to redeem within 6 months

Redemption Penalty:6 Months to 24 Months

5%

Redemption Penalty:24 Months to 36 Months

4%

Redemption Penalty:36+ Months

~3%

In other words, if you have a share that’s valued at $1,000, and if you decide to redeem that share in 12 months, you would only receive 95% of the full share’s value (since you have a 5% early redemption penalty).

For example, as COVID broke out in March of 2020, Fundrise temporarily suspended redemptions until July of 2020.

Make sure you read the fine print before you lock-up your money.

Do I Pay Taxes on My Fundrise Investments?

If you receive quarterly or annual dividends from your investments (like eREITs and eFunds), then you should receive a tax form K-1 to report your income.

The deadline for most companies to issue the K-1 form is March 15, so make sure to check your mail and/or email for notification of your K-1 around that time.

How much you pay in taxes really depends on the classification of your dividends.

Below are the 2 dividend types:

Taxed as capital gains (lower tax rates)

Taxed as ordinary income (higher tax rates)

While real estate can increase in value over time, you will not have to pay taxes on the property appreciation until that property is sold (or you cash out your shares).

Fundrise Education on Real Estate Investing

Do you want to diversify your investment portfolio with private REITs but really don’t know much about the real estate world?

You’re not alone (I’m right there with you!).

Fundrise realizes that most investors may not have a solid background when it comes to real estate – and the platform has found a solution for real estate newbies like me.

Here’s a list of the educational resources Fundrise offers its investors:

Project Timelines

– Describes each real estate investment’s position during the project timeline

– Timelines are typically updated every few months

Client Performance Database

Database featuring the average annual returns of Fundrise client accounts from 2017 to 2021

Fundrise Blog Articles

Thoroughly researched and information-driven articles that provide investors with insight into the real estate investing world

Fact Sheets

Fundrise provides in-depth information about its active and completed real estate projects

Quarterly Reports &Data

Quarterly reports covering the macro and micro level of real estate, including the wellbeing of the commercial real estate markets economy, historical data, and the progress and returns of current projects

FAQs

Fundrise offers in-depth FAQs, where the platform lays out the pros and cons of investing in real estate, paying taxes, how to get started, managing your account, etc.

Customer Service Representative

You can always contact the customer service team by Phone (call 202-584-0550) or by email:  contact@fundrise.com

Investor Relations Team

If you ever have any questions about fees, investments, etc. you can always reach out to the investor relations team by using the following email:investments@fundrise.com

As you can see, Fundrise certainly doesn’t keep the customer in the dark.

Granted, some of the data can be a little dry, but if you’re wondering how (and where) your hard-earned money is going, I would definitely recommend you to do your research first – both on and off the Fundrise platform.

The Future of Real Estate Investing

In the end, the question remains whether the future of real estate investing looks bright or bleak.

Thanks to the rise of FinTech apps, many barriers to entry are broken when it comes to real estate investing.

Other reasons why real estate investing continues to show positive signs include:

• Technology 
• Increased mobility
• Easy-access secondary markets
• Upward trend to work from home

Take a look at the increasing trend of housing prices over the past 20 years:

This graph indicates that housing prices have continued to increase consistently – even while markets may have been rather volatile.

As technology like Fundrise continues to evolve, it will be even more likely that real estate investing will become more accessible to the average Joe.

Het komt erop neer:

The future of real estate investing looks very bright, especially thanks to advancements in technology.

Is Fundrise Worth It?

Not many people can say they are private market commercial real estate investors – in fact, it’s typically only the top 1% who can boast about this.

Not anymore.

Fundrise is the real estate crowdfunding investing platform we’ve all been waiting for.

Now, you and I can invest in million-dollar properties without writing million-dollar checks.

Here’s how you use Fundrise:

• Sign-up online 
• Answer investment questions that help Fundrise tailor your portfolio to your situation
• Begin investing in private market commercial real estate

If you decide to invest with Fundrise, then only invest as much as you are comfortable losing.

Remember that the real estate crowdfunding world is still speculative, risky, and illiquid.

FAQs about Fundrise

Is Fundrise legit and safe?

Fundrise is a legit real estate crowdfunding company. However, Fundrise does not offer FDIC or SIPC insurance and there is a chance that you may also lose your full investment, should the tenants default.

How much can you make with Fundrise?

While everyone’s profit potential may vary, in general, you can expect to earn annualized returns between 7.31% to 22.99%, according to Fundrise.

Can you lose money with Fundrise?

You have the potential to lose money should a renter default on their payments, for example. As with almost any investment, returns are never guaranteed.

Is Fundrise a good investment?

Fundrise could be a good investment, as long as you’re comfortable taking some risk in the illiquid and rather high fee world of private real estate investing.

Is Fundrise insured?

No, your investments with Fundrise will not be insured under SIPC or FDIC rules, which are commonly seen for banking or traditional investment clients. Fundrise is registered with the Securities and Exchange Commission.

Is Fundrise worth investing in?

It could make sense to invest in Fundrise if you are looking to diversify your investment portfolio, want to earn passive quarterly income, and if you want to take a calculated risk for a potential higher return – down the road. Just keep in mind that investing your money in Fundrise could mean increased risk, illiquidity, and fees.

Can you make money on Fundrise?

Yes, you can make money on Fundrise in 2 ways:First, you can earn passive income through rents paid, which you’ll receive every quarter in the form of dividends. Second, you can make a profit from the sale of rental properties once they are sold.

Fundrise Review:The Bottom Line

Fundrise makes it possible for virtually anyone to start investing in the real estate world.

Instead of spending $100,000’s or even millions of dollars to buy investment properties, you can start investing for a $10 minimum.

While you can certainly make money investing with Fundrise , it’s important to recognize that there are risks involved with crowdfunding and investing in real estate, some of which include:

• High costs and fees
• Long lock-up periods 
• Higher chance you’ll lose your money

As you can see, investing in private real estate deals may not be for everyone.

If you feel like commercial real estate investing isn’t your best bet, you may want to check out other alternative investments , instead.

Think about your investment options today, because your bank accounts will thank me tomorrow.

Now I’d like to hear from you:

What are your thoughts on Fundrise?

Would you consider investing in the platform?

Let me know in the comments section below.