I-REICG-FAL ESTATE ISIMEMO SENGXOWA-MALI

Ukuthengisa izindlu nomhlaba kwakhona

Indlela eNtsha yokutyala imali kwiNtengiso yeNtengiso yaseMelika (i-CRE)
IsiCwangciso sexesha elide sokuKhula

Ukunikezelwa kweethokheni ezimbini zoKhuseleko lweZindlu (ii-STO)
Kukhuselwe nguRhulumente weZindlu eziRhwebo

I-1-Ukulingana kwe-STO yokuKhula
I-2-Ityala le-STO yeNgeniso

Izibonelelo zoMnikelo wethokheni yokhuseleko (STO)

Yintoni i-STO okanye i-DSO?

Ziikhonkrithi kwi "Ukunikezelwa kweToksi yoKhuseleko" kunye "noKhuseleko lweDijithali." I-STO "ngumnikelo wokhuseleko" obonisiweyo. I-DSO "ngumnikelo wokhuseleko" oboniswe ngokudijithali. Zombini zithetha into enye, olu luphawu lwedijithali “lokhuselo” njengoko kuchaziwe yi-US SEC (yeKhomishini yeSecurity kunye neNtengiselwano). I-STO ASIYIIMALI yedijithali! Imali yedijithali ayixhaswanga ziasethi "zokwenyani". Intengiso yearhente yokuthengisa izinto nomhlaba yinto ekhutshelweyo exhaswa yiasethi "yokwenyani".

IziBonelelo eziSetyenziselwa ukuCofwa uKhuseleko

Isibonelelo sokuqala sokwenza uphawu ngokukhuselekileyo kwimfihlo yangasese kukuphucula umtyali mali. Ngelixa kuthatha iminyaka embalwa ngaphambi kokuba isambuku sihambelane neemakethi zikarhulumente, ayingombuzo wokuba, kodwa nini. Enye inzuzo yokwenza uphawu kukuqhuba ngokulula kwemida enqamlezayo. Nanamhlanje kunzima kubatyalomali abancinci behlabathi ukuba bathathe inxaxheba kwiimarike zikarhulumente zase-US kwaye akunakwenzeka ukuba bathathe inxaxheba kwiimarike zabucala.

Enye inzuzo kukhuseleko lwe-cyber kunye nokungafihlisi okucwangcisiweyo kwisabelo ngasinye esikhutshelweyo se-STO. Ubunini bakho obuyinzuzo "bokhuseleko" olukhutshiweyo alunakubotshwa, belahleko okanye bubiwe.

Yasekwa nguMbono woRhwebo ngeeNdawo

" Umbono we-blockchain ebesitsho kwasekuqaleni ukuba obu buchwephesha buza kwenza "ulawulo lwentando yesininzi lwezorhwebo lwase-US" kwaye luya kuyenza. Kodwa ke ukuze oku kwenzeke ukusuka kwixabiso elongeziweyo le-STO. Kakhulu ngendlela efanayo naleyo yokungeniswa kwesakhiwo se-REIT ngo-1960, okwesihlandlo sokuqala ivumela abatyali mali abancinci ukuba bafumane utyalomali kwezorhwebo.

U-ALAN BLAIR, WOKUGQIBELA UKUKHULA NGOKUGQIBELA

Ixabiso lokuLingana ngeXabiso lihlala linyuka!

Abarhwebi beNtengiso yeArhente yeNtengiso beqikelela ukuba amaxabiso okurhweba ngokuthengisa izindlu aya kuhlala ethe tyaba okanye ephantsi ngekamva elinokubonwa kwangaphambili.

- Nangona kunjalo -

I-REICG Izabelo zoLingano ziya kunyuka kwixabiso kuzo zombini indawo kunye nokuncipha kwamaxabiso. Kuba ukukhula kwexabiso lesabelo akuxhomekekanga kukonyuka kwamaxabiso alo naliphi na ipropathi lomntu.

Ixabiso le-REICG yokuLingana ngokwexabiso lisekwe kwiVenkile yexabiso le-Net Asset (NAV) yephothifoliyo yonke yepropathi; kwaye ipotifoliyo yeepropathi ziya KULULA njengoko sizuza iipropathi ezongezelelweyo unyaka nonyaka! Bona eyethu Imodeli yeShishini yokuLingana kunye nevidiyo...

Yisiqinisekiso sezibalo…

Utywala ngaphandle kokuqina

Ngokwembali, abantu benza utyalomali lwezorhwebo kunye nokuthengisa, ngokuthengisa izinto zikawonkewonke nezabucala, zokwenza ingeniso eqingqiweyo. Kwiklasi ngokubanzi "A" ukurhweba ngepropathi kunye nabaqeshi betyala kuya kubonelela ngokuzinza okuqinisekileyo kwemali yokuhamba kwexesha.

Ukuza kuthi ga ngoku, ziindawo zentengiso zikawonke-wonke kuphela ezinokunikezela ngeearhente zotyalo mali kwi-reITs.

- Nangona kunjalo -

Ukusukela ukuba ii-reITs ezithengiswe esidlangalaleni kufuneka, "uphawu-kuthengise", uxabiso lwamaxabiso luya kutshintsha mihla le notshintsho kumazinga emali yenzalo, imiba yezopolitiko, urhwebo olukhawulezayo kunye notyalo-mali. Isiphumo sokunyuka kwamaxabiso esabelo esingaguqukiyo, nangona amaxabiso aphantsi asezantsi ethengiso atshintsha kancinci kancinci ngokuhamba kwexesha.

Ulwakhiwo lweshishini lwe-REICG lwenziwe "njengeNgxowa-mali yeThutyana 'eyambethe" Isithuthi esiDala esiGcweleyo "(PCV) esitsho ukuba intsingiselo yexabiso lezabelo isekwe kwiVenkile yeVenkile yexabiso (NAV) yephothifoliyo yonke yepropathi; Kananjalo ngenkcazo kuya kubakho inkqubo yokuhlangula yezabelo zokuthenga ngamanye amaxesha izabelo zexabiso ze-NAV. Ixabiso elipapashwe esidlangalaleni le-NAV kunye nokuqiniseka kwenkqubo yokuhlenga kuya kubonelela ngesikhokelo samaxabiso kunye nokuzinza kworhwebo lwesibini kwinani elikhulayo lotshintshiselwano lwe-STO kwihlabathi liphela.

Ngaphaya koko, into yokuba ubume benkampani ikwayeSithuthi esiNgxowanisiweyo esiPheleleyo sithetha ukuba i-REICG iya kuhlala inemali yokuthenga izabelo, nto leyo enyusa ixabiso lezabelo ezisaleleyo.

Yisiqinisekiso sezibalo…

Funa Ingeniso ... Yiba nguMxhasi wethu

Xa abantu befaka imali ebhankini, iibhanki zibahlawula kancinci okanye bangabinamdla kwimali yabo. Ibhanki iya kuthi emva koko ithathe imali yedipozithi kwaye iboleke kwabanye abantu njengemali mboleko yokufumana izindlu nomhlaba. Iibhanki azikubhatali lutho kwaye bafumana iipesenti ezi-2.5% //- ngelungelo lokuboleka imali yakho.

-Uthini malunga nokuBoleka iSibonelelo seNgeniso -

Ukukhula kwe-capital ye-Rei (i-REICG) kuqalile indlela entsha "yokuqokelela" kunye nokutshintsha ityala lemali mboleko yemali kwi-US Commerce Real Estate Fund.

Ngale Tyala STO, i-REICG inokuhambisa 4.00% Ingeniso yenzala kubatyali-mali abavela kwihlabathi liphela.

Le ndlela intsha isekwe kwindibaniselwano ye- “Corporate Bond” kunye ne- “izakhiwo zeTyala lePropathi eliHleliweyo”, ezirekhodwe kwi-blockchain njenge- “Security Token Offering” (STO).

Esi siQinisekiso ASISEKHO "Inqanaba lokuthenga ngetyala" njengoko iqhelekile kwiibhondi ezithengiswa kwiimarike zikarhulumente.

- Nangona kunjalo -

Iibhanki azifumani “iiRhafu zeTyala” ukuze ziboleke imali mboleko. Babambelela “kwimigangatho ebhalwe phantsi” ukumisela umngcipheko onxulumene nemboleko nganye.

Ibhondi ye-REICG iya kuba "nenqanaba lokubhala" elibhaliweyo kwimvumelwano yebhondi. Le mvumelwano yebhondi ingqongqo ngakumbi emva koko imigangatho yokubhala ibhanki eqhelekileyo.

I-REICG iya kuba nakho ukuthengiselana okuthengayo, okuphicothwe umphicothi zincwadi ozimeleyo, kwisithuba seenyanga ezintathu okanye ezine emva kokufunyanwa, ukuqinisekisa ukuba yonke imithetho iyalandelwa. Iziphumo zophicotho lwentengiselwano nganye ziya kufumaneka kubanini bebhondi.

Ukuthathela ingqalelo Abatyali-mali baseMelika abangabasebenzi e-US: I-STO yethu yamatyala yenzelwe ngokukodwa ukukwazi ukwenza iintlawulo zenzala kubatyali-mali ecaleni kwe-US ngaphandle kweemfuno eziqhelekileyo zokubambisa irhafu! Nceda ubone ezethu Imodeli yeshishini yamatyala kunye nevidiyo...

Ngaba le ngxowa-mali yichibi eliphofu?

Impendulo emfutshane yile: Ewe. Ngokwenkcazo, ichibi elingaboniyo lixa abatyali-mali bengazi, ngaphambi kokwenza utyalo-mali, ukuba zeyiphi na indawo abatyala kuyo. Ukwazi kwangaphambili kuyacetyiswa xa kutyalelwa imali kwingxowa mali enye, ngesicwangciso sokukhulisa ixabiso Ipropathi kwisithuba seminyaka emi-3 ukuya kwemi-5. Ukuze uhlulele ngokwakho, ukuba ipropathi kunye necebo "lokwongeza ixabiso" kunokwenzeka ukuba liphumelele, kwaye ukuba umngcipheko ufanelekile ukuzuza.

- Nangona kunjalo -

Le ngxowa-mali kunye nokudibanisa okuhlanganisiweyo yenzelwe ukusuka emhlabeni ukuya phezulu, ukunciphisa umngcipheko kuwo onke amanqanaba. Xa ujonga "indlela yokufumana ulwazi" uya kuqaphela ukuba sifuna ukuthenga iipropathi esele ziphumelele. Kwishishini lokuthengisa izindlu babizwa ngokuba zizakhiwo ezinzisiweyo. Ezi ziipropathi apho abaphuhlisi kunye nabatyali-mali babo bethathe yonke imingcipheko, kwaye banomtsalane kwaye baqeshisa ngepropathi kubo bonke abaqeshisi abalungileyo. Baye baphumelela, kwaye ngoku bafuna ukuthengisa kunye nokuthatha inzuzo yabo.

Ngokombono wethu sifuna ukuba ngumnini esele uphumelele, uzinzile, imali ethengisayo ethengiswayo. Kuba singakwazi ukufunda lonke uqeshiso kwaye sivavanye ukufaneleka kokuhlawulwa kwekhredithi yomqashi ngamnye kunye neshishini labo, jonga indawo kuyo yonke indawo enabantu, ngaphambi kokuba sithenge. Singawuthintela umngcipheko wethu ngokucacisa okungakumbi kunoko abanini bangaphambili babenako, xa bekungekho nto ininzi.

Nceda ubone "Icebo leCre InvestmentIphepha lesalathiso kunye nezinto ekubhekiswa kuzo kwindawo ethi "Gap". Xa umthengisi enepropathi ethengiswayo ngaphakathi kwe- $ 5M ukuya kwi- $ 25M yamaxabiso. Into yokuqala umthengisi afuna ukuyazi xa efumana isipho sokuthenga yile: “Ngubani uMthengi kwaye ndazi njani ukuba unemali kunye nokukwazi ukuvala?” Abathengisi abafuni ukungena kwisivumelwano sokuthenga seentsuku ezingama-90 emva koko kuya kufuneka baphinde baqalise kwakhona, ukuba umthengi akanako ukuvala.

Akunakwenzeka ukuba kuphakanyiswe ukulingana kweepropathi zobukhulu obunjalo, ipropathi enye ngexesha, yonke ngaphakathi kweentsuku ezingama-90 zewindow, uthethathethane kanzima nomthengisi ngexabiso elifanelekileyo kwaye umthengisi akholelwe ukuba ungavala. Siyayazi le nto kuba yile nto kanye siyenzileyo, kwiipropathi ezincinci ezinamaxabiso, kule minyaka ilishumi idlulileyo. Jonga eyethuIrekhodi lokuqhubekayoIphepha kunye neyethuIimpawu zeSampulu"Iphepha.

Kananjalo siye safunda kule minyaka idlulileyo ukuba iimali ezizezinye ezizindlu zinobungozi kakhulu kuneemali ezininzi zepropathi. Ke ...

-INgxowa-mali le kufuneka ibe yichibi elingaboniyo -

We KUFUNEKA babe nokulingana ebhankini kunye netyala elikhuselweyo, ukuze bafumane ezona zinto zibalulekileyo “zikhala” ngexabiso elifanelekileyo.

Besisifumana, sivavanya, sihlalutya, kwaye sifumana olu hlobo lwepropathi ngqo yabathengi abazimeleyo nakwabalingane bethu be-REI Equity Funds, isithuba seminyaka engaphezu kwe-10.

I-COVID-19 iza kuyichaphazela njani le Ngxowa-mali?

Le ngxowa-mali kunye nokudibanisa okuhlanganisiweyo yenzelwe ukusuka emhlabeni ukuya phezulu, ukunciphisa umngcipheko kuwo onke amanqanaba. Ayikuko ukuba nabani na angalindela umcimbi weBlack Swan, esidibana nayo ngoku.

- Nangona kunjalo -

Ngokusekelwe kumava ethu akhoyo, aneepropathi ezili-9 eziphantsi kolawulo. Ingxowa-mali ye-REICG ingavuya kakhulu!

Iipropathi zangoku eziphantsi kolawulo zonke zazakhiwe ngemodeli yeshishini yendabuko. Ingxowa-mali enye yepropathi, eyakhelwe ukubonelela ngezahlulo kwaye ihlawulwe kwiTyala leBhanki.

Umngcipheko we-COVID-19 (Corona virus) ubeke ilizwe kwimeko engazange ibonwe ngaphambili. Eyona njongo yethu kukunceda abaqashi bethu abathengise kwimizamo yabo yokukhusela impilo yabasebenzi, abathengi kunye noluntu lwase-US ngokubanzi. Ngoku sifikelele kwinqanaba lokuba sifike kwindawo evaliweyo yokuvalwa kwezikolo, iiofisi zikarhulumente kunye namashishini, kubandakanya uninzi lweevenkile zethu, ngokunjalo nokwehliswa okukhulu kwezithuthi ezihamba ngeenyawo kwiivenkile ezihlala zivulekile.

Abaqashi banxibelelana nathi becela kwaye kwezinye iimeko becela ukuba sibanike imali yokuqeshisa, ngelixa benyanzeliswa ukuba bavalwe okwethutyana ngurhulumente. Iyaqondakala ngokupheleleyo ..

Ngokwembono yethu sisigqibo elula. Ukuze silondoloze ixabiso lweeaseti zethu zepropathi egameni labatyali kunye nababolekisi kufuneka sibekho kwimeko yokuvumela abaqashi bethu ukuba bahlale kwishishini, ukuze xa thina njengelizwe siphume kwelinye icala lale ngxaki. Bonke abaqeshi bethu baya kuba nakho ukubuyela kuqoqosho oluhlumayo kwakhona.

Nangona kunjalo, okwangoku asinakwenza eso sigqibo sodwa ngaphandle kokufumana imvume kunye neemvume ezivela ezibhankini, ukumisa iintlawulo zokubambisa ngalo lonke ixesha lokudakumba okanye ukubikwa komngcipheko. Siqinisekile ukuba iibhanki ziya kubambisana, kodwa ayisosigqibo sethu ..

Phantsi kwemodeli yeshishini ye-REICG, iya kuba sisigqibo sethu. Ungaze ube semngciphekweni wokuvezwa kwangaphambili. Ixabiso alizukuhla kakhulu ngobusuku, kuba ixabiso le-NAV alitshintshi ngobusuku.

Kwimeko apho kuye kwafuneka sinqumamise iintlawulo zenzala kubaninimzi beBond, iintlawulo ezilahlekileyo ziya kongezwa ngokuzenzekelayo kwimilinganiselo eseleyo kwaye abo banokugcina imali bayakufumana inzala kwixabiso eliphakamileyo xa sele uqoqosho luqalisile kwakhona.

Phumelela, phumelela, phumelela…

Nini kwaye phi?

- Nini -

Silindele ukuba iMemorandam yokuBekwa kwaBucala (PPM) efunekayo ilungiswe, kunye nayo yonke itekhnoloji “yeLebhu emhlophe” yokufumana inkxaso-mali ngexesha elithile ngoNovemba 2020.

- Phi-

Apha!

Kuya kubakho i “Tyala imali ngoku” iqhosha phezulu kweli phepha lewebhu. Nje ukuba ucofe, iwindow iya kuvula kwaye ikuthathe yonke inkqubo yotyalo-mali, inyathelo ngenyathelo, ngokuhambelana ngokupheleleyo nemigaqo ye-SEC. Ngokudlulisela ekudluliseleni imali yakho kunye nokufumana iiTeks zakho zoKhuseleko.

Nceda ukhuphele eyethu IPhepha leMhlophe kwaye urhumele kwi-NewsLetter yethu okanye ungene kuluhlu lwethu lokugcina akukho zibophelelo. Siza kukuthumela ngaphambi kwexesha lomhla wokuphehlelelwa.

Umndilili wokuKhula kwePotifoliyo yoNyaka = 9.21%

*I-CAGR, okanye ireyithi yokukhula konyaka, lilinyathelo eliluncedo lokukhula ngaphezulu kwexesha elininzi. Ingacingelwa njengezinga lokukhula okukufumanayo ukusuka kwixabiso lokuqala lotyalo-mali ($ 40 M) ukuya kwixabiso lokugqibela lotyalo-mali ukuba ucinga ukuba utyalomali luqokelelene ngaphezulu kwexesha.