Investment

Co-working Space Investment

Is Co-working Space Investment Worth Giving a Chance?

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    Co-working, since recent times, has started to become an alluring concept because back when it first started to appear. It counted the disparaging views of the traditional office. If we look back to just a few years ago. Co-working space investment was considered to be a “movement” or a trend, with many thinking it to be quite odd and unrealistic.    This article will help you explore all the aspects as to why it has become the new normal today and why it is an investment worth giving a chance. What is Co-working?     Co-working is the arrangement in which several workers from different companies share an office space. This allows cost savings and convenience as they use common infrastructures such as equipment, utilities, refreshments, and a lot more. Co-working Spaces in India     Co-working spaces are now one of the unparalleled and newest trends in India.     The places with the highest demand for such co-working spaces in India are metro cities like NCR-Delhi, Mumbai, Bangalore, and Hyderabad.         Need for Co-working Spaces For Employees Generally, most people can be productive in places where they find some quietness. It helps them focus more and concentrate on the work. But, with this being said, it doesn’t mean they are required to stay back in that dull and isolated room of theirs and become lonely. In such situations, co-working spaces come as a rescue. Here, they’d be offered a perfect working environment, i.e. the quietness while working. The discussion space when in need to collaborate with others (as it involves several kinds of people associated with different work nature), etc. Also, a good deal of individuals visits co-working spaces so that they may be motivated by other employees of different companies. Working together with motivated individuals also helps to scrap loneliness. According to studies, approximately 45% of co-working members reported that they found it as a valid option against the isolation. And situations where they found it difficult to finish work in a standard, traditional office space or home office. Primary users of these co-working spaces are the startups. The flexibility that co-working spaces provide to experiment and take risks makes them ideal for startups.  For Tenants / Employers Co-working space asks only for minimum deposits yet provides abundant amenities at a cost less than what’s required to pay for traditional office space-thus making it a cost-effective and desirable option for the employers. But, until there’s someone to build these spaces, there is no other way that employees or employers get to enjoy this newest type of working space. Co-working Space Investment     Owing to the increase in demand in India, co-working is now one of the fastest-growing markets. This segment has also leaped the commercial real estate sector, and it is has occupied more than 12-13% of CRE investments in India, as per reports suggested by FICCI. The scenario being such in India, it is already at its peak of growth in countries like the US, UK, Australia, etc.     With this history of high growth rate in the past and looking at the way it is booming. It proves that this trend is for sure going to take us by storm in the future.    This phase, thus, is the right time for the investors to march into this field. Reason for the Escalating Demand for Co-working Space as an Investment     The main reason why co-working is gaining importance as an investment option is that it saves a lot on the investor’s part. Real estate costs can be 9 to 12% of the operations cost for an established corporate and even more for a startup. But with shared work spaces, they can save around 20 to 25% of the total real estate costs, and that is a lot of money for the big companies to count upon. How do Investments in Co-working Spaces Work? Investors can invest in co-working spaces in several ways. Directly invest, i.e. invest in a building to further develop into co-working space Through REITs investment Through online platforms Establish a partnership[ with another investor Then they lease or rent their spaces to startups or established companies. Finally, investors get to enjoy the enormous cash flow that the co-working spaces generate. Key Considerations if you want to invest in Co-working Spaces     There are a few things that you need to consider before you directly barge into the investment Location    Location is of prime importance in co-working, just like any other real estate investment. The first step in selecting a co-working space is to find out the place that’s high in demand. The location should be easily commutable, a bit close to market places like those of suburbs or any prime urban areas. Create Your Financial Model    Once you are done with the selection of the location, the next step is to calculate the costs and finalize the budget plans by making some assumptions and approximations. You will have to reconsider additional costs such as building codes and city permits, all things that can quickly add up to other charges.    Building codes will vary from state to state, so you must do careful research beforehand to ensure the co-working space complies with all building and fire safety codes. Code of Construction and Housing (CCH) sets standards for such co-working spaces, and they all must be built accordingly. Co-working Space Design and Attractive Amenities    Space must be designed in quite an innovative way with good architecture so that it will make the workers there feel very much at ease and alive, unlike what the professional workspace makes them think.     Although it does not apply to everyone, many employees in co-working spaces are involved in technology or startup companies. Therefore, it becomes essential that you provide technology that is up to date and reliable for them to conduct their business. Additional amenities like lounges, recreational spaces, spaces for entertainment, etc. have the potential to lure new clients and tenants to your

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9 Most Common Mistakes

9 Most Common Mistakes Made by Investors

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    Not everyone strikes the gold all the time. Many successful investors and traders undergo downfalls as a consequence of their bad decisions. It’s practically impossible to avoid mistakes altogether. Even the most successful investors learn from their failures to mitigate them in the future. So, here are some most common mistakes made by investors. Most Common Mistakes Made by Investors Showing Interest in One Particular Company or Stock:     Many investors tend to invest in companies they are passionate about for personal reasons. This is not advisable because falling in love with a company or stock may make it very difficult to sell (since you would be reluctant), and investors end up holding onto the stock for a longer time.     This problem may not impact the professional asset managers, but the experienced investors are susceptible under some circumstances. Also, many types of research stated that selling a stock is rather challenging than buying one. Missing a Plan:    A familiar dictum for any investment is “Plan your trade, trade your plan.” Before investing even a single penny, investors should ideate their investment objectives, necessities, and if they are willing to confront the risks.     Make a plan and stick towards the plan throughout the investment. Also, follow up some essential practices and strategies that lead to success and lead to a fair trade. Not Financially Analyzing Potential Property:    The most common mistake any investor or even a potential investor makes is not analyzing the property’s financial status. This will reflect a great loss to the investors. Lack of keen observation will immensely enhance a serious financial problem.    So, it’s all in the analysis!. Investors should make sure to collect accurate data that eventually helps them to succeed in the business. More patience is required to get the expected result for the investor. Unrealistic Expectations:     There’s nothing wrong with hoping for the ‘best’ from our investments, but we could be heading for trouble if our financial goals are based on unrealistic assumptions. We hope that our bills, buying a few of those “wants”, and other expenses should be afforded easily and our investments should yield good results.     Forget your Dreams! We can’t win everything. To achieve our financial goals, it is critically important to assess our risk appetite first. Keep the end goal in mind and don’t expect above and beyond. Don’t Chase The Yields!     “Chasing yield” is one of the most common investment mistakes. It means buying an investment, as it offers a good yield rather than a fundamental analysis of the underlying investment. This way of investing in playing with fire because it may cause a considerable risk in most cases.     The regular yield managers who try hard to get high returns for the customers are susceptible to chasing yields. Even some individuals tend to differ when they see the highest number. Although we all want to witness and enjoy those high yields, investing solely for high yields is where we commit a blunder. Doubling Down:     One common mistake that many potential investors make is making the problem even worse. For example, if our investment returns are suffering a loss, we sink in more money to stabilize the investment, expecting that we may get a profit. But we also fail to remember that a considerable loss may incur, aggravating our current returns.     Although doubling down might work once in a while, we can’t rely on it always. It’s just a matter of luck when it comes to investments like the stock market. Be cautions: don’t make hasty and risky decisions. Take advice from senior investors. Also, you can instead try to double the returns. Not Understanding what you Purchase:     Warren Buffett and many experienced people in the stock market say that buying shares of something you don’t understand is like paving the way to dig your o, “grave. So, invest in a company only when you understand all their business plans and models.     An excellent way to avoid confusion is by establishing a portfolio that varies with mutual funds. Purchasing stocks in a company can be enriching. But only when you get to know all the details of a company and understand them. Buying All at Once:     Be it any field or task, making hasty decisions does not get you any reward. Similarly, if you buy many investments or stocks all at once, thinking you can become rich overnight, then you re highly mistaken. You are putting yourself in prone, since you can’t dedicate time and attention to every single one, out-turning all the investments in vain.     An investor is said to be successful only if he is patient. One should not rush their way into investing in many at once. There is no need to buy every single share at the time. Average the price by purchasing shares at different times in a week or a day because it would smoothen any short-term fluctuations. Doing so will ensure that the investor is not getting the worst price of the day. Also, you can focus on long-term investments. Not Following the Current Market Trends:     It is so naïve to believe that once you understand the basics of investing, all you have to do is construct a portfolio and let it do its work. Although it’s a proven fact that trading rarely produces better yields rather than trading frequently, yet no portfolio remains static. Even the well-administered organizations hit rough patches at times, and the markets also experience dynamic changes from time to time.     Always stay up to date with the market trends and the economy and maintain your portfolio vibrantly.     Failures are inevitable. We cannot get rid of them always. Yet we could learn about some common behavioral tendencies that help us to cloud our judgement. You can also contact or seek help from reputed investment platforms or stock trading platforms (in whichever field you want to invest) to clear your

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Course of an Investment

What to Except Throughout the Course of an Investment

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    Let’s assume that you just invested some amount in an investment offering. What will happen with that investment is the big question. Also, over the course of an investment, you may see money reverting into your account. Not only in different amounts but also at varying times. How does this happen and what events revolve behind the investment are few other questions.    This article will certainly shed light on all of those questions and give you actual clarity over what exactly happens through the Course of an Investment. Stages in Investment Lifecycle Earn Interests     To start with, once your investment gets marked active in your portfolio, it begins to earn interest. Accrued interest is an interest that the investment yields. But is not paid out yet. Depending on the investment plan, you would be paid your accrued interest right up front, or monthly, or quarterly, or on an event-based basis. Payout of Fund Expenses     Depending on the offering structure of an investment, a flat annual fund expense will be paid out from the interest that you’ve earned. (For example, annual fund expenses in real estate investments would be tax deductions. Expenses associated with repairs and maintenance, etc.) Once this expense is fulfilled, future interests will be made directly to your account. Pre-Defined Payment Schedule     Some of the investment plans have pre-defined payment schedules that pay interest monthly or quarterly. Although your investment is earning interest every day. It is only distributed to you at definite intervals (like weekly, monthly, or quarterly, for example, all depending upon the offering terms).     Further, a monthly payment schedule does not necessarily mean that payments will for sure be made on the first of each month. Owing to the processing time it takes i.e., As funds must flow through a long chain of the borrower, originator, the investment company, and then to the investors. Event-based Payment Schedule     Some offerings pay interests on an event-based payment schedule. ‘Event-based’ means that investors receive payments post to an ‘event’ i.e. When individual cases within a portfolio settle (also called a ‘settlement event’). Their payment dates and amounts cannot be pre-decided. For instance, take the legal settlements. The time when they’d settle at court cannot be predicted.     When investing in a portfolio of several cases, an investor can presume to receive multiple different payments throughout the aimed length of the investment. Depending on the settlement activity rate. Instances might be like; Sometimes several settlements may be made in the same month and trigger multiple payments. Other times there may be longer periods where there’d be no settlements at all. Therefore no payment distributions would be made.    Further, few investments, most often the short-term Marine investments. May make one single upfront interest payment for the term of the loan. It’s quite important to go through the details of each individual investment to comprehend the expected payment schedule. Usually, this kind of upfront interest investment with a 6-month term has a maturity date that is 180 days (6 months) from the initial funding date. Return of Principal Amount     Depending on the structure of investment, you may also obtain principal payments during the course of an investment. It is significant to note that interest is paid out on the whole outstanding principal vs. interest paid. However depend on how much interest has been paid on the overall portfolio at that point in time when a case (or cases) settle.     In a real estate offering that consists of a portfolio of several loans, each individual loan often has differing maturity dates. For instance, if there are two different loans in the portfolio. Loan X may mature in 12 months and Loan B may mature in 18 months. Therefore, investors should except to obtain a portion of their principal back into their accounts after 12 months and the leftover outstanding principal after completion of 18 months. Few Important Considerations It is salient to note that there is a chance that the borrower could return the portion of the loan earlier or later than its presumed maturity. The maturity dates of every loan that a portfolio encloses is always mentioned in detail in the offering’s Investment Memorandum. It is also important to note that once the principal is returned, it will no longer reap interest. However, all the other outstanding principals will continue to generate interest at the scheduled rate of interest associated with the offering until the time it is repaid.    Knowing what you are about to reap all through the course of your investment makes the investment life easy for you rather than make you worry about what would happen in the next point in time. This accounts for a good and valid reason as to why you must know all about your investment before proceeding any further with it.    Asset Yantra & GAK Group is an online platform that offers various investment plans which are customized based on the common investor objectives. Do check them out to obtain maximum benefits out of the investment. Course of Investment FAQs What are the stages in the investment lifecycle?       The stages include: Earning Interests Payout of Fund Expenses Return of Principal Amount What are two ways of paying out interest?  They are:              Pre-defined payment schedule –             Some of the offerings have pre-defined payment schedules that pay                         interest weekly, monthly, or quarterly, for example, all depending upon the offering terms.              Event-based payment schedule –              Some offerings have event-based payment schedules that pay the interest post to an ‘event’ i.e. when individual cases within a portfolio settle (also called a ‘settlement event’).

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6 Reasons Why Investing In Fractional Property Ownership is the Best Retirement Plan

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    The internal rate of return (IRR) on fractional assets ranges from 13 to 20 percent, which is greater than most retirement plans.     While there are numerous passive income sources and retirement corpuses. Investing property is the key. Commercial real estate (CRE) fractional ownership is one such asset class that offers an ideal opportunity when analyzing a long-term and reliable investment. In combination with a sound investment plan, commercial real estate (CRE) can be a reliable asset class. That provides capital security, regular income (often between 10 and 12 percent). And portfolio diversification, all while reducing possible risks. This article will address all your concerns regarding fractional ownership for senior citizen investors. Understanding Fractional Ownership     In the world of investment, commercial real estate has been a closely guarded secret. In comparison to other solid asset classes, it has provided returns ranging from 8 to 15 percent each year for decades. However, due to the large ticket size, lack of knowledge, data, and transparency. It has only ever been available to HNIs, private equity companies, and family offices.     Fractional ownership divides a single asset into pieces, allowing investors to gain ownership of a piece or more dependent on their investment. It’s up to the investor to determine what type of asset they want to put their money into. Which allows them to craft an investment strategy that fits their risk tolerance. Fractional investment is becoming increasingly popular in the United States and the United Kingdom as a profitable way. For individuals to invest a little portion of their money instead of significant quantities in real estate. Why is fractional ownership an excellent resort for my retirement corpus? Regular Source of Monthly Income:                 After retirement, your finances become more of a problem if your regular monthly income quits. As a result, one of the most critical elements of retirement planning is guaranteeing a steady stream of income. That will provides sufficient finances long after you retire. Investing in fractions provides a reliable monthly or quarterly stream of passive income, as well as potential for long-term capital gain. Stable Asset Class:               Younger investors may afford to take chances with their assets, but retires must be cautions. Capital appreciation and rental income are 2 ways fractional CRE investments pay off. There are several advantages to investing in commercial real estate (CRE), including consistent profits and regular cash flow. Uncomplicated Investments:                It may appear difficult and complicated to include CRE in your investment portfolio because of the complexities involved. But owing to new-age tech players who provide an easy-to-use one window platform, investing in real estate across the country has been easier. Data-driven selection, strict financial and legal due diligence, and thorough selection criteria ae used to eliminate all asset-related risks besides paperwork and site visits. Security of Capital:               Property has long been regarded as one of the safest forms of investment sue to its tangible, physical aspect. As a result, it’s worth is directly tied to the building’s ongoing operations. Its value does not fluctuate according to the performance of the market like equities or mutual funds do. Goldilocks asset:                Fractional property is organized such that it’s neither prohibitively expensive (like buying a house by yourself) nor limitingly small, like the Senior Citizens Savings Schemes (SCSS), which cap investments at 15 lakh. The fractional property allows investors to pick and choose how much they wish to invest up to Rs.25 Lakh. Liquidity alternatives and smooth operations:                 With fractional ownership, it’s easy to move between different assets. In addition to the benefit of entering CRE investment at a lower investment bracket, investors are not troubled by any overheads. Exiting the building is just as simple and quick. How much money should retirees put into fractional ownership?      Fractional Ownership is considered a low-risk, high-return investment by industry professionals who believe it should be included in everyone’s retirement portfolio. Seniors can put up to 25% of their retirement funds into fractional ownership, which can provide a consistent stream of rental income while also increasing their wealth. The balance, according to experts, can be placed in secure vehicles such as debt mutual funds, money market funds, and government-backed savings plans. According to experts, investors that prefer fractional ownership should only invest in pre-leased Grade A assets to protect their capital. Conclusion     There is a lot of uncertainty in retirement planning because of the pandemic, and investors have had to rethink their investment possibilities as a result. If investors want to reach their financial goals in the post-Covid world, they’ll have to think hard about how to deal with financial shocks. CRE is a billion dollar business in India, and it’s only going to keep growing. The developing formal economy, as well as high-end commercial buildings, make it an attractive place to invest, allowing you to achieve your financial goals over the long term. Fractional ownership and crowdfunding investors can find high-quality A-grade investment options with Asset Yantra & GAK Group India’s fastest-growing real estate platform. We guarantee great liquidity, transparency, and an IRR between 14 and 21 percent. Comer visit us and start your investment! 6 Reasons Why Investing In Fractional Property Ownership is the Best Retirement Plan FAQs Why is Fractional Ownership a great retirement asset class?               Fractional ownership is one of the finest investment options for senior citizens because of the monthly rental income, capital security, hassle-free investment, and lower capital needs. What are the benefits of fractional ownership for senior citizens?               Up to 25% of retirement assets can be invested in fractional ownership, resulting in a constant stream of rental income and capital gains. The rest of the money can be put into secure products like debt mutual funds, FDs, and government – backed savings plans according to experts.

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Investment Management Company

Everything you need to know about Investment management companies in India

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    An asset management company (AMC) is a financial services firm that invests in a variety of mutual fund schemes. The money invested in these schemes is often obtained from the AMC’s clients and then invested in assets that are consistent with the AMC’s financial objectives. As a result, it is critical to invest with an Asset Management Company that offers a diverse range of investing option with excellent returns on investment. What is an asset management company? And functions of Asset Management Company     Asset Management Companies manage their clients’ money. They select the best assets from fast-growing, riskier equities to safe but slow-growing bonds. The goal is to achieve the desired return while maintaining a level of risk that is acceptable to the client. Asset management firms handle the entire process of developing an investment portfolio for their clients and provide access to new investment opportunities that would not be available otherwise. The 4 primary responsibilities of asset management firms are as follows: Determine your financial goals and risk tolerance: Asset Management companies require critical information. These are how much the customer is willing to risk losing, how much return they want when they need access to their money, and how much they want to invest. Maintain a record of potential investments: Cash deposits and government bonds are 2 types of investments in young companies with uncertain futures. An asset management firm must be aware of all available options and evaluate investment risks and rewards. Create investing strategies: Each customer requires a portfolio of assets to their specific goals. A diverse portfolio with investments spread across a wide range of assets reduces risk. It’s akin to not putting all of your eggs in one basket. Performance Evaluation: investment management firms are required to provide unitholders with information that has a direct impact on their mutual fund holdings. It must also provide frequent updates to investors on sales and repurchase, NAV, portfolio data, and so on. In layman’s terms, investment management firms must respond to mutual fund investors and protect their interests. They must also address customer concerns about their mutual fund schemes. What is the difference between investment management and asset management?     The investment strategy is brimming with jargon and superfluous titles, which have implications for holding the money. As a result, effective investment management becomes a daunting challenge for investors. However, there are significant differences between investment management and asset management. The terms’ definitions: The power of an investor’s assets, such as equity, fixed income securities, and real estate, is referred to as asset management. Investment management is primarily concerned with overseeing the property’s day-to-day operations. Objectivity: The asset management service is primarily concerned with maximizing the investor’s returns from various real estate projects. Investment management seeks to balance all possible uses of an investor’s money. Either by preserving or maximizing wealth over time. Investment management has a broad scope. Clients: A distinction between asset management and investment management is the clientele. Asset management frequently works with individuals or businesses with large sums of money, whereas investment management works with individuals or firms of all sizes. Need: Most investors prefer to diversify their portfolios by including various types of asset property. However, no one is interested in displaying all of the assets on the market at once, especially, those that lack substantial insurance coverage. Hiring asset managers can be beneficial in providing expert advice on asset allocation and asset selection that is compatible with the investment strategy. Performed Functions: Asset management entails asset allocation, analyzing historical and current data, identifying new investment opportunities, risk-return analysis, portfolio diversification strategy, and asset identification. Assigned Responsibilities: The primary responsibilities of asset management include maximizing total ROI, financial analysis and projections, cash flow direction, capital and resource allocation, determining the holding period of each property, and so on. In-charge: You must hire and pay asset managers to find and offer suitable assets that align with your goals for asset management. If you hire investment management, you must pay investment managers to provide you with long-term investment prospects. What is the difference between asset management & wealth management?     In recent years, the concept of asset management and wealth management has grown in popularity. Although they sound similar, there are some distinctions between them. The differences between wealth management and asset management are as follows: Criteria Wealth Management Asset Management Meaning Wealth management is the management of a client’s entire financial situation, not just investments. Asset management is the management of assets that are only for investment purposes. Focus Wealth management encompasses both asset management and financial planning. Asset management is a subset of wealth management with a narrower focus. Functions It’s functions include investment management, asset management, portfolio management, tax planning, education planning, legacy planning, estate planning, insurance, charitable giving & retirement planning It encompasses a variety of management functions related to investments or assets, such as analyzing past and current data, risk-return analysis, projection, asset management, strategy formulation, and identification of suitable assets. Registration Wealth management advice gets given by people who are investment advisors. A broker-dealer is someone who provides advice in the field of asset management. Responsibility The relationship between the wealth manager and the client is one of the “Fiduciary” responsibilities, which means that the client’s interests come first. An asset manager’s responsibility is to offer products suitable for the client based on his financial situation. Management approach Entails coordinating financial experts, lawyers, accountants, insurance agents, and other professionals. Asset management is a more sophisticated and creative approach, as asset managers offer products based on their financial expertise and direct market involvement. What is Property Investment Management? How do you pick the best property investment management method?     Property Investment Management is the act of managing money invested in real estate, often to maximize earnings and capital growth. It also entails monitoring the performance of all invested assets and developing long and short-term strategies to ensure good capital growth and portfolio performance. As a property

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9 Investment Habits to Develop for High Passive Income

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     In terms of financial management and earning potential. Millennials are the most privileged generation. They can now invest, save, spend, and do a variety of other things that were unthinkable only a few years ago with the click of a few buttons. Or in a matter of minutes that were unthinkable only a few years ago. However, with each new financial benefit comes a new set of financial requirements, which change on a regular basis. Millennials’ financial needs, in particular, are rapidly changing. As a result of this, their business practices have shifted.     For example, before the commencement of the Covid-19 epidemic in March 2020, millennials in India were famous, for splashing on a new-age lifestyle that entailed high expenditures. However, unlike previous generations, millennials were not afraid to spend big, even if it meant entering into debt through credit card bills or personal loans.     India has one of the world’s largest millennial populations, accounting for approximately 34% of the total population. Millennials have grown up with rapid technology advancements. As a result, like the convenience of digital platforms. Even when it comes to investments and money, people increasingly prefer digitally acquired assets that fir into their fast-paced lives and objectives. Top Habits to develop to earn higher returns on your passive income investments       Being at home during lockdowns and having easy access to trading apps have given wings to millennials new money-making habits, which are not limited to stock markets or Cryptocurrencies. Rather, they are gleefully investigating a slew of other possibilities. 10 new money-making habits among millennials are as follows: Possession of Fractional Properties                Property fractional ownership has arisen as a new financial concept in which millennials are interested. Fractional ownership is an investment toll that is best suited for young people since it provides greater and more secure returns than commercial real estate (CRE). It provides a consistent stream of income that can supplement existing revenue significantly. Long lease contracts and rent escalation ensure a consistent supply of inflation – adjusted income, allowing them to be financially self-sufficient. It has also been found that millennials invest approximately 30% of their income in fractional assets, and this figure is rising Day trading, stock market investing, and initial public offerings (IPOs)                Lockdowns and working from home have provided many millennials with adequate time to monitor stock market events. Day trading has become a lucrative side income option for millennials thanks to the availability of simple-to-use mobile apps. Investing in and Exchanging Cryptocurrencies               Even though Cryptocurrencies are not regulated in India, millennials are the driving force behind the adoption of these new-age digital assets in the country. In general, millennials are lured to a culture of earning passive income from their time and investments. Crypto investments are particularly popular among this age group. In fact, millennials account for more than half of our investors. Another factor is that millennials are eager to learn about this new technology (Block chain) and the new opportunities that it brings – decentralized finance or Defi, staking, liquidity pools, and NFTs are all new and trending options. Professional Development                It is most likely the optimum time for people to demand a salary commensurate with their abilities. Rapid technological advancements are rendering college education obsolete with each passing pay period, creating a high demand for qualified workers in the labor market. Millennials have seen this potential and are upskilling themselves in any way they can. Influencing the financial habits of others             Many millennials have turned to internet platforms such as YouTube, Twitter, and LinkedIn, as well as blogging, to influence the financial habits of others. They have not only earned hundreds of thousands of regular consumers of every piece of content they have published online, but they have also made actual money in the process. Adding value to the gig economy     Multiple internet platforms enable Millennials to supplement their regular income by making the greatest use of their skills through freelancing work. While millennials must improve their spending, saving, and long-term investing behaviors, they must also become more financially conscious. One thing they can teach us is how to maximize our earning potential. Automating the generation of riches              Millennials are instilling a new money-making habit by automating the process of investing or wealth development. They are now doing so by setting up auto-debit for their mutual fund investments closer to the day their salary is credited. They will be able to set up triggers for automated investment throughout the month depending on transactions in their linked savings account in the future. Online Financing                Digital lending via various online platforms is one of the many new money-making opportunities for millennials. In fact, according to a recent survey, millennials dominate both digital lending and borrowing on its platform. Due to its technological prowess, simplicity of the platform, and immunity to market volatility, peer-to-peer lending is one of India’s fastest-growing financial industries. The need to constantly educate themselves on new investing options and all things digital drives today’s millennials. Digital Gold Investing                Digital gold is quickly becoming the asset of choice for millennials looking to build and safeguard wealth. Millennials seek ease of investment and higher returns, but they also seek assets that help them meet their aspirations and serve as an emergency fund. This technology savvy generation places a premium on time-saving applications. Because digital gold is available on your smartphone 24 hours a day, 7 days a week, millennials are drawn to the convenience and security it provides – especially in light of the pandemic. Conclusion        It’s not easy to start a side business or figure out how to invest your money when you’re short on time, but the results is well worth it. The money you generate from passive income will surely put you well on your way to meeting your financial objectives and bringing you one step closer to ultimate financial freedom. Find out where

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Top 5 Indicators of a Good Commercial Office Space Investment

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    Evaluating the commercial office space market is the first step in developing a strong commercial real estate portfolio. When looking for office space to invest in, there are a few things to bear in mind.     Investing in commercial real estate provides several advantages. Whatever asset you are considering, commercial real estate provides unrivaled stability and growth among modern investment possibilities. Commercial real estate will always be a rising route because new firms emerge all the time, and their needs expand in tandem. Whether it’s for supply and logistics support via warehouses, growing production via assembly lines, or extending corporate presence via offices, the demand for greater space is always there in the corporate sector, much more so than in the residential one. 5 Indicators of a Good Commercial Office Space Investment      It is not a given that an office space accessible anyplace is always a good investment option. A commercial real estate office space investment might make or break your portfolio depending on where the asset is, how the market demand is, and the type of rentals in the location. Bearing this in mind, let us look at the top 5 factors to consider while looking for an investment opportunity The Asset’s age:             Although old is gold, this is not always the case. Older office buildings are more difficult to maintain and might incur significant repair and upkeep costs. These can cut into your profits. Exiting a commercial real estate investment is much more difficult, so you don’t want to lock up your assets with a property that requires maintenance and care regularly. Older assets will also be less profitable for clients since they cannot accommodate numerous new features. Location:             The location of commercial office space is quite important depending on the tenant’s company. While headquarters’ or corporate offices favor cities’ Central Business Districts, alternative locations may be available based on other businesses in the region. MNCs and bigger firms, in general, want modern facilities and structures that can expand well. Builder:             Larger builders have access to superior plans, designs, and expertise, all of which contribute to the creation of some of the most interesting workplaces, whether for a single firm or as a co-working space. Keeping track of who is in charge of the building’s construction and design can help you determine the kind of tenants you may expect in the long run. Aesthetics:            This aspect is related to the builder as well as the assets location. Designer spaces are frequently influenced by adjacent structures and demographics. In a neighborhood dominated by traditional architecture, you’d be hard-pressed to discover minimalist or industrial interiors. There may be exceptions, but they do not constitute the norm. Leases & Rents:             The market’s average going rent, vacancy rate, and lease term length will be the norm for any new office space that opens. It is not advisable to expect any significant appreciation in contrast to market opinion. If you want to invest in assets that are becoming available in the region, you need first learn about the market. It is also worth noting that the addition of any key connecting route to any location would assist enhance appreciation in a very short period. Conclusion     Keeping the mentioned tips in mind will allow you to search for better office space investment alternatives and narrow down your selections more efficiently.     If you are seeking Grade A properties in the office sector for investment, choosing fractional ownership through Asset Yantra & Gak Group will allow you to get started on creating your commercial real estate portfolio quickly. Asset Yantra is India’s premier and preeminent commercial real estate investment organization, with a presence in the cities. It provides a full range of tailored and end-to-end commercial investments and advisory services to its clients, backed by its experience in real estate and market information. It allows you to invest in commercial real estate via fractional ownership starting at Rs.25 lacs. IRRs range from 14 to 21%. To learn more about how we may assist you with your commercial real estate investing journey, please click on the link above. Top 5 Indicators of a Good Commercial Office Space Investment FAQs Is a commercial office a good investment?                Purchasing a commercial office space is a wise investment. Commercial workplaces are in high demand as more individuals invest in their enterprises for the sense of security they bring. The future of commercial real estate is bright. What type of commercial property is most profitable?                 Properties with the greatest potential for return on investment are often those with the greatest number of renters. Multifamily complexes, student housing, office space, self-storage facilities, and mixed-use are examples of commercial real estate properties.

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Real Estate Investment Property

Understand what it takes to Refinance Real Estate Investment Property

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    When you own an investment property, the ultimate goal is to earn a substantial rate of return. If you find your return after several years of ownership is not what you expected. You may probably decide to refinance real estate investment property.     Refinancing a property can be a very beneficial investment strategy especially, for a property investor. Therefore, whether you own half a dozen rental properties of you’re a first-time real estate investor. It’s essential to understand what it takes while refinancing an investment property.     There are several steps you should consider before qualifying for a refinance. In this article, you will learn as an investor on how to comprehend the purpose of refinancing and how to weigh the risks versus rewards. When do you need to refinance your Investment Property? Lower Monthly Mortgage Payment     One of the main reasons investors intend to refinance their properties is to lower the interest rate on the loan interest. The satisfaction of this, the monthly mortgage payments will be reduced. Leaving you with more money in your pocket each month. This money that you saved can be used or invested somewhere else. Purchase New Investment Properties     Another reason for refinancing is taking out the Equity in your investment property to buy additional properties. It allows you to use the money to fund other investment opportunities or upgrade a current investment property with the changing pace. Pay off Your Loan Faster     By refinancing the current capital. An investor can pay off the loan at a faster rate. Thereby enabling the investors to get a loan with better terms. An investor can also negotiate a mortgage with less money down or a loan with a longer or shorter term. Depending on their needs through refinancing. How can you refinance your Investment Property?  Determine how much Equity you have     Before learning how to refinance a property, you need to know how much property you have already managed to build up. As per facts, developers or any financial institutions typically require a cushion of 25% or more to refinance a loan secured by a non-owner-occupied house. Determine the Value of the Property you owned     Determining the value of the investments is crucial for a qualified refinancing. It helps investors to get on with better terms. You can determine the value of the property by either:     Referring to online, for instance, if you own any commonly traded investment, such as a condo, single-family, etc., You can refer to the reputed sites online for conducting a search in the area for the determination of the value of the property.     You can also seek a broker’s opinion; if you own an investment that is difficult for the self-appraisal, such mixed-use property. You can contact a local realtor and seek the broker’s price opinion. Acquaint yourself with the Mortgage Rules     Acquainting yourself with the mortgage rules can help in negotiation and deciding on the loan terms. Knowing the loan-to-value ratio (LTV) can help while refinancing. It is the mortgage amount divided by the appraised value of the property. Showing developers or the financial institutions how much Equity you own.     Once you set the property’s value, you can compare it to the current mortgage rate to determine the general LTV range. On calculating, if you find the value of the property ranges between 50% and 80%. You can proceed to the further steps for refinancing. Choosing the Right Financial Institutions or Any Real Estate Platforms     For this, you need to reach out to any financial institutions or real estate agents and request quotes. Different developers or financial institutions have different requirements and terms for the investments, making it necessary to shop around. You need to get at least three quotes from different developers or the funding institutions.     You will also need to request rates for at least 15 or 30 years on either a fixed mortgage or adjustable-rate mortgages. In addition to the rates, you need to review the aspects like the length of the ownership, closing costs, credit score, and timeframe for receiving the loan, etc.     Regarding this, an investor will be required to showcase some of the documents about refinancing an asset. Such types of propositions include proof of personal and rental income, proof of assets owned, proof of any individual ownership, references relating to any debts and obligations, and a copy of the property appraisal if any. Do the Break-Even Calculation     Before refinancing any property, you should calculate and analyze the break-even point of the transaction. It would help if you were sure that the investment property refinances rates are lower than the purchase cost of the asset being made initially.     For calculating the break-even point, you need to consider all the upfront costs of the refinancing loan with any closing costs plus any other costs and estimate how much you can save each month. Comparing, you can determine how much time you will take before you reach break-even and begin to save money. Refinancing     After receiving several quotes, it’s time to choose the suitable financial institutions or the right estate platforms for refinancing your investment properties. However, these financial institutions may further process some of the documents relevant while loan sanctioning and might include statements about tax returns, financial statements, mortgage statements, etc., for loan approval. Pass of Loan Approval     Once you’ve done with the process of applying, the financial institutions or any other developers where you have applied will review the loan application, thereby passing the order for the appraisal of your investments, if satisfied. Also, if the finances look good and your investment properties appraise, you can schedule a closing loan, at last. Benefits of Refinancing Real Estate Investment Property Changing the type of interest     Refinancing and investment is highly advantageous for an investor. It allows investors to switch from a variable interest rate to a fixed rate of interest.     As seen, Interest able

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You Need To Buy Property To Invest In Real Estate A Misconception Or The Truth

You Need to Buy Property to Invest in Real Estate: A Misconception or the Truth?

Leave a Comment / Investment, Real Estate Investment /

      There are several myths regarding real estate investing that should not affect your decision to engage in the business. This is especially difficult if you are new to the game. It may be difficult to discern reality from fiction in the real estate sector. With numerous myths blooming from various holes. While certain misconceptions may appear to be innocuous, they might nonetheless prevent you from succeeding in real estate.     Due to the market situation and political attention on real estate. The general public is frequently perplexed about the business. People who are unable to distinguish between myths and realities are prone to a variety of misunderstandings. Asset Yantra attempts to clarify the industry’s perplexing notions.     Real Estate is frequently viewed with skepticism and contempt. Doubts and half-truths have spread several misunderstandings regarding this industry in the general public’s thinking.    Asset Yantra examines the top 7 Myths regarding the real estate sector. Can you invest in real estate without investing in property? Real Estate Investment Trusts (REIT)         A REIT is a specialized company that invests in commercial real estate through debt and equity. Introduced in 1960 to provide investors with the chance to participate in real estate as an asset class. REITs are recognized to provide a minimum 7-8% annual return to small & medium investors.       According to the REIT requirements, at least 80% of the value must be invested in revenue-generating properties. With the remainder invested in under-construction projects. Wholesale Real Estate          Real Estate wholesaling is an excellent option for people to get started in the real estate sector without investing a lot of money. It is a type of property flipping in which the investor, also known as wholesaler, agrees to purchase a property that they feel in underpriced. The wholesaler gets money through a charge tied to the transaction, which is generally a percentage of the total property cost. Mutual Funds for Real Estate           Real estate mutual funds are an excellent strategy to diversify your real estate portfolio. The principle is similar to that of a mutual fund in that the investor owns a piece of the mutual fund while the corporation owns the investment. Earnings are distributed in the form of a dividend or a portion of share appreciation. Platforms for Online Investing            Online real estate investment platforms aggregate funds from several individuals and invest on their behalf in possibilities that would otherwise be too expensive to pursue. The medium, on the other hand, is best suited for people who can afford to leave their assets unbroken for a lengthy period. Loans made with hard money            A hard money loan is a loan made by a person for a real estate investment. Hard money loans, often known as bridge loans, are short-term loans used to fund an investment project. Typically, the lender lends up to    65-75% of the property’s value and receives interest, which is often greater than on traditional property loans. Myth vs Facts in Real Estate       Real estate investment may be both exciting and complicated for first-time investors. Even after significant investigation, it is difficult to separate the truth from the false material that circulates on the internet. Here are a few typical fallacies to avoid as a real estate investor. Myth: Developers purposefully postpone projects Fact: One of the most prevalent concerns consumers have about the real estate market is that projects are being delayed. Distressed customers frequently claim that developers purposefully delay developments to increase profits. “Developers never postpone projects by choice,” says Rohit Gera, MD of Gera Developments.    The efficiency of urban municipal and civic agencies. Which manage constraints on project development through approvals, has a significant impact on the process of real estate construction in India. Development projects in Indian cities are subject to a lengthy clearance procedure. Which typically takes 24-36 months before construction & 6 months to a year after completion. Myth: Your purchasing choice should be influenced by market conditions Fact: While the assertion is largely fair, many first-time investors do not consider their affordability before making a purchase selection. When people can afford it, they should enter the market. If you secure a house loan early in life, you will be able to purchase your home sooner than those who wait.     Using one can aid you in assessing your present financial health by reviewing your current income, existing assets, obligations such as other debts, insurance, investments, and house purchase plans. Myth: Real estate investing is exceedingly dangerous Fact: The real estate market is frequently seen as exceedingly dangerous. The current state of the market, with delayed projects, sluggish demand, and rising prices, does not assist to validate the fallacy. Real estate investments reach their full potential when kept for an extended period.     Short-term real estate investments are more likely to result in losses. “The wise thing to do is to take measured risks and keep onto investments for a longer length of time,” Rohit Gera says. Myth: Real estate is always profitable Fact: On the other hand, some people think that property values constantly rise and the real estate investments should always provide big returns. While the property does not lose value over time, making a limitless profit is not a realistic expectation. Real estate prices and profits fluctuate as well, and there have been cases where values have plummeted owing to a lack of demand. Myth: Big brands always provide the greatest results. Fact: According to experts, it has emerged as the most common misperception in the real estate market, since major companies have failed to meet their claims of quality and timely delivery. On the other hand, there are many mid-and small – scale developers that are devoted to delivering the best in terms of quality and amenities. Myth: Developers want prices to continue to rise Fact: Constantly growing prices

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