I- REIT , okanye i- trust ye-investment real estate , luhlobo oluthile lotyalo-mali oluneenkalo zombini isitokethi kunye ne-investment real estate.
Eli qela lotyalo-mali elikhethekileyo linikeza amathuba okufumana iindleko ezinkulu kwiimakethe zendawo yokuhlala kunye nokuzinikela okuncinci kwinqanaba lakho.
Qalisa Ngokuzibophelela Okuphantsi
Ngokungafani nepropati yotyalo-mali, ungaqalisa ukutshala imali kwi-REIT ngokuzinikela kwezemali kakhulu. I-REIT iyakuthengiswa ngorhwebo njengesitokethi esiqhelekileyo, ngoko ungathenga kwi-akhawunti yakho nge-akhawunti yakho ye-brokerage nayiphi na i-brokerage enkulu.
Omnye owaziwayo i-REIT yiSitoreji soLuntu, owenza umsebenzi kwiNew York Stock Exchange phantsi kwesimboli se-PSA. Izabelo ze-PSA ngoku zihamba malunga ne-200 zamaxabiso ngeesabelo ngasinye. Ungathengela isabelo esisodwa kwisantya samanje sorhwebo kunye naliphi na ikhomishini yokuthengisa. Thelekisa ukuba utyalo-mali ngokuthe ngqo kwi-real estate efunwa ngamashumi amawaka eedola ukuba uqalise, ukuba kungenamakhulu amawaka.
Ngokuqinisekileyo, unokubeka okungakumbi kwi-REIT njengoko wenzayo kwiipropati eziphathekayo, kodwa kukho iingeniso ezininzi ezinikezelwa yi-REIT ngaphandle kwendawo yokungena kweendleko eziphantsi.
Musa ukukhathazeka malunga nokulungiswa kwexesha eliphuthumayo okanye ukuqokelela iRhafu
Ukuba uthe utyalomali ngqo kwipropati yokuqashisa, kuku kuwe ukuqokelela irenti, ukujongana nabaqashi beengxaki, nokujongana neminye imiba ephakamileyo. Ngokuqinisekileyo, unokuqesha umphathi wepropati ekhutshwe ngaphandle kwiipropati zakho, kodwa oko kuthatha iipesenti ezili-10 zemali yakho engenayo.
Nge-REIT, akudingeki ukuba uxhalabe malunga nokuba usebenza njani nomqashi.
Abanikazi bezindlu bafunwa yimithetho karhulumente kunye neendawo zendawo ukwenza isicwangciso esithile sokugcina. Okubaluleke ngakumbi, ezinye izondlo kufuneka zenzeke ngokukhawuleza ukukhusela umonakalo omkhulu. Phantse wonke umnini-mnini-mncinci unenkalipho yokumelana ne-usiku phakathi kokulungiswa kwimeko engxamisekileyo. Njengomtyalo-zimali we-REIT, akudingeki ujongane naluphi na ukulungiswa.
Njengombono wokwenza imali kwiindawo zokuqashisa ngaphandle kokujongana neentloko? Enye ikhetho yi-Camden Property Trust (CPT), i-REIT yase-Texas ehlala kwiindawo zendawo yokuhlala e-United States. Ukuba uqhuba ngeenxa zonke nayiphi na idolophu okanye indawo engundoqo, uya kufikelela kwenye yeendawo ezingama-180 ze-Camden kunye neendawo ezingama-26,000. Xa uthengisa isisimboli eCamden, uthengela kwi-Camden REIT. Kwimeko yeCamden, leyo yinkampani enabasebenzi abalinganiselwa kuma-2,000.
Okwangoku, i-Innovation Homes (INVH) i-REIT igxile kwizindlu zokuhlala zentsapho. Amakhaya amasha anemizi engaphezu kwama-48,000 kummandla asithoba.
Diversification Instant
Enye yezona ndlela ezinkulu kakhulu ezithintela abatyalo-mali ngabangaphantsi kwepropati yolondolozo, ukwakhiwa, okanye ukulungiswa kweendleko.
Ngokomzekelo, ukuba unokuba neendawo ezinhlanu kunye nomnye unokulungiswa okukhulu, kunokutshatyalalisa ukubuyiswa kwakho kotyalo-mali kulo lonke iphothifoliyo. Ukulungiswa kweedola ezi-5,000 akuyona into enkulu kwiipotfoliyo ezinkulu zezindlu, kodwa ukuba unayo ipropati okanye ezimbini, ezinokususa iingeniso zakho.
Njengoko ungeke ubeke onke amaqanda akho kwikhasikiti enye kwiimarike zamasheya, akufanele ukwenze njalo nge-estate. Kodwa ngenxa yexabiso eliphezulu lokuthenga ipropati, ukufumana ukuhlukahluka akubizi okanye kulula. Nangona kunjalo, kwi-REIT ephethe amakhulu okanye amawaka epropati, iindleko apha kwaye akukho nto ininzi kwaye ayiyi kusula inzuzo eyenziwe ngamanye amayunithi.
Fumana i-Cut of Real Estate Inzuzo ngeZahlulelo
Ukusuka oko ufunda ngoku kude, i-REIT ibukeka njenge-stock ejwayelekile kwimarike yemasheya. Ngandlela-ndlela, le pesenti ichanekileyo.
Nangona kunjalo, kukho imigaqo ethile malunga nee-REIT ezenza zibe zikhangele ngakumbi kuneempahla eziqhelekileyo.
Inzuzo enkulu kunawo wonke ngumthetho ofuna ii-REIT ukuba zisasaze i-90 ekhulwini yengeniso ehlawulwayo kubanini-zimali njengezabelo. Ngelixa ezinye izitokisi zingabhatali isabelo kuwo onke, i-REIT enenzuzo ihlala ihlawula igalelo. Ngokomzekelo, i-Medical Property Trust (MPW) ihlawula i-dividends yield 7.5, i-WP Carey ihlawula i-dividend ye-5.9 yepesenti kunye ne-American Tower ihlawula i-1,9 pesenti. Izivuno zesahlulo zibalwe ngokusekelwe kwintengo ekhoyo yamashishini kunye negalelo elitsha.
Njengoko kulula njengokuthenga iSitokethi
Uyazi oko kwenza ukuba i-REIT iyingqayizivele, kodwa indlela oyithenga kuyo ilula. Ngokungafani nokuthenga ipropathi efuna ukuba negalelo kwi-agents agents, abameli kunye nabagcini-zimali, ukuthenga i-REIT kuyinto elula njengokuthenga isitokisi. Ukuba unayo imali ehlezi kwi-akhawunti yakho, unako ukutyalomali kwifowuni kwimizuzu embalwa!
UKUTHETHA utyalo-mali kuza nemingcipheko efana ne-stock market, kodwa ingozi ephantsi kakhulu kunotyalo-mali oluthe ngqo. Ngethuba lokufumana ukubuyiswa okukhulu ngaphandle komsebenzi wotyalo-mali othe ngqo, ukuthenga i-REIT yindlela efanelekileyo yokwenza utyalo-mali lwakho lokuqala lwezindlu.