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- About Us

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• Glossary
• Información en Español
  
  - Introduction to Investing - Getting Going - Five Questions to Ask Before You Invest
• Understanding Fees
• Asset Allocation
• Assessing Your Risk Tolerance
• Investing on Your Own
• Working with a Financial Investment Professional
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  1. Home.
• Introduction to Investing.
• Investment Products
  
  Main navigation
  
  - Save and Invest - Define Your Goals.
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• Understand What It Means to Invest
  
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  - How to Submit Comments to the SEC.
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• The Laws That Govern the Securities Industry
  
  Real Estate Investment Trusts (REITs)
  
  What are REITs?
  
  Real estate investment trusts (" REITs") allow individuals to buy massive, income-producing realty. A REIT is a company that owns and normally operates income-producing property or related possessions. These might include office buildings, shopping malls, homes, hotels, resorts, self-storage centers, storage facilities, and mortgages or loans. Unlike other genuine estate business, a REIT does not develop genuine estate residential or commercial properties to resell them. Instead, a REIT buys and develops residential or commercial properties mainly to run them as part of its own investment portfolio.
  
  Why would someone invest in REITs?
  
  REITs offer a way for specific financiers to earn a share of the earnings produced through industrial real estate ownership - without really needing to go out and purchase commercial genuine estate.
  
  What types of REITs exist?
  
  Many REITs are registered with the SEC and are openly traded on a stock market. These are known as publicly traded REITs. Others might be registered with the SEC however are not publicly traded. These are called non- traded REITs (likewise understood as non-exchange traded REITs). This is among the most important differences among the numerous type of REITs. Before investing in a REIT, you should comprehend whether or not it is openly traded, and how this might impact the advantages and threats to you.
  
  What are the advantages and risks of REITs?
  
  REITs offer a way to include realty in one's investment portfolio. Additionally, some REITs may use higher dividend yields than some other investments.
  
  But there are some threats, especially with non-exchange traded REITs. Because they do not trade on a stock market, non-traded REITs involve unique risks:
  
  Lack of Liquidity: Non-traded REITs are illiquid investments. They usually can not be offered easily on the free market. If you need to offer a possession to raise money rapidly, you may not be able to do so with shares of a . Share Value Transparency: While the marketplace price of a publicly traded REIT is easily available, it can be tough to identify the worth of a share of a non-traded REIT. Non-traded REITs normally do not offer a price quote of their value per share till 18 months after their offering closes. This may be years after you have actually made your financial investment. As a result, for a significant time period you may be unable to assess the worth of your non-traded REIT financial investment and its volatility. Distributions May Be Paid from Offering Proceeds and Borrowings: Investors might be brought in to non-traded REITs by their fairly high dividend yields compared to those of openly traded REITs. Unlike openly traded REITs, nevertheless, non-traded REITs frequently pay distributions in excess of their funds from operations. To do so, they may utilize providing earnings and loanings. This practice, which is typically not used by openly traded REITs, minimizes the value of the shares and the cash readily available to the company to buy extra possessions. Conflicts of Interest: Non-traded REITs usually have an external supervisor rather of their own workers. This can cause potential disputes of interests with investors. For example, the REIT may pay the external supervisor substantial fees based on the quantity of residential or commercial property acquisitions and possessions under management. These charge rewards might not always line up with the interests of investors.
  
  How to purchase and offer REITs
  
  You can purchase an openly traded REIT, which is listed on a significant stock market, by buying shares through a broker. You can buy shares of a non-traded REIT through a broker that gets involved in the non-traded REIT's offering. You can also purchase shares in a REIT mutual fund or REIT exchange-traded fund.
  
  Understanding charges and taxes
  
  Publicly traded REITs can be bought through a broker. Generally, you can purchase the common stock, chosen stock, or debt security of an openly traded REIT. Brokerage costs will use.
  
  Non-traded REITs are usually sold by a broker or financial adviser. Non-traded REITs normally have high up-front fees. Sales commissions and upfront offering charges typically total around 9 to 10 percent of the investment. These costs lower the value of the financial investment by a substantial amount.
  
  Special Tax Considerations
  
  Most REITS pay out at least one hundred percent of their taxable earnings to their shareholders. The shareholders of a REIT are accountable for paying taxes on the dividends and any capital gains they get in connection with their investment in the REIT. Dividends paid by REITs generally are dealt with as common earnings and are not entitled to the decreased tax rates on other kinds of corporate dividends. Consider consulting your tax consultant before investing in REITs.
  
  Avoiding scams
  
  Watch out for anyone who tries to offer REITs that are not signed up with the SEC.
  
  You can confirm the registration of both openly traded and non-traded REITs through the SEC's EDGAR system. You can likewise utilize EDGAR to examine a REIT's yearly and quarterly reports in addition to any offering prospectus. For more on how to use EDGAR, please check out Research Public Companies.
  
  You ought to likewise take a look at the broker or investment adviser who recommends purchasing a REIT. To find out how to do so, please check out Working with Brokers and Investment Advisers.
  
  Additional details
  
  SEC Investor Bulletin: Real Estate Investment Trusts (REITs)
  
  FINRA Investor Alert: Public Non-Traded REITs - Perform a Careful Review Before Investing
  
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