AmaTrasti aphezulu e-UK yokuThengisa iiarhente (REITs) 2021

17 April 2020 | Ukuhlaziywa: 11 Juni 2021

IiTrasti zoTyalo mali zeZindlu (REITs) zikuvumela ukuba ufumane ukubonwa kwintengiso yezindlu kunye nomphathi wengxowa mali. I-REIT inokutyala imali kwiipropathi zorhwebo, amakhaya eentsapho ezininzi, iiofisi, indawo yokuthengisa, okanye izibonelelo zononophelo lwempilo.

Kwiimeko ezininzi, ingxowa-mali iya kuthenga isiseko sokuthengisa izindlu nomhlaba ngokuthe ngqo, okanye ityale imali kwityala ngokhuseleko lokugcina imali. Nokuba yeyiphi na indlela, isibonelelo esihamba phambili sokutyala imali kwi-REIT kukuba uya kuba nelungelo lokufumana ingeniso efunyanwa yiarhente yokuthenga izindlu nomhlaba, kunye nenzuzo eyinkunzi ngoxabiso.

Kule nqaku, sichaza i-ins kunye nokuphuma kwendlela i-REIT esebenza ngayo, indlela owenza ngayo imali, kunye nento ekufuneka uyenzile ukuze uqalise ngotyalo-mali namhlanje. Siphinda sihlolisise ezinye ze-UK REIT eziphezulu kwiimarike.

Qaphela: Ngokungafaniyo notyalo mali bendabuko bezindlu nomhlaba- ii-REIT zinamanzi kakhulu. Njengoko uninzi lweemali zidweliswe kwintengiso yoluntu, ungaphuma endaweni yakho xa ubona kufanelekile.

Uluhlu Yemixholo

     

    I-Eightcap-Iqonga elilawulwayo eliSasazekileyo

    Isilinganisi sethu

    • Ubuncinci bediphozithi ye- $ 250 nje
    • Iplatifomu ye-100% yasimahla kunye nokusasazeka okuqinileyo
    • Intlawulo yasimahla ehlawulwa nge-debit / amakhadi etyala kunye ne-e-wallets
    • Amawaka eemarike zeCFD kubandakanya i-Forex, iZabelo, iiRhwebo, kunye neeCryptocurrencies
    Qala uhambo lwakho lokufikelela kuzo zonke iinjongo zakho zezemali apha.

     

    Yintoni iTrasti yoTyalo mali kwiReal (REIT)?

    Njengoko igama libonisa, i-REIT ikuvumela ukuba ufumane ukubonwa kwindawo yokuthengisa izindlu nomhlaba. Nangona kunjalo, endaweni yokuthenga iipropathi ngokwakho, uya kuba utyala imali kunye nomboneleli ngengxowa-mali. Ingxowa-mali ekuthethwa ngayo iya kudibanisa imali yakho kunye namawaka abanye abatyali mali, kwaye emva koko yongeze iintlobo ngeentlobo zepropathi kwipotfoliyo yayo. Kwiimeko ezininzi, ii-REIT ziya kugxila kwicandelo elithile lendawo yokuthengisa izindlu nomhlaba.

    Umzekelo, umboneleli unokujolisa ngokukodwa kumakhaya ahlala abantu abaninzi, okanye kwiindawo ezinkulu zokuthenga ezinkulu. Ii-REIT ziya kutyala imali kwi-equity nakwityala. Ngokumalunga neyokuqala, kulapho ingxowa-mali iya kuthenga khona ikhaya, ibhloko yeofisi, okanye indawo yokuthenga ngokuthe ngqo. Kwaye eyokugqibela-i-REIT inokuthenga ukhuseleko oluxhaswe ngemali mboleko, oko kuthetha ukuba utyalomali lusekwe kwityala.

    Kungakhathaliseki ukuba kwenziwe utyalo-mali, i-REIT, inzuzo kwiindlela ezimbini zengeniso. Okokuqala, ingeniso ivela kwiintlawulo zerenti. Umzekelo, oku kunokuba yindawo yokuthengisa apho iinkampani zihlawula irente ngokuqeshisa ixesha elide. Okwesibini, ixabiso le-REIT liya kunyuka xa ipropathi ixabisa ixabiso. Oku kwahlukile ekubeni ngumnini wendlu ngokwakho, nangona uzakuxhamla kwipotifoliyo eyahlukeneyo yezakhiwo.

    Ngokweenkqubo zotyalo-mali, ii-REIT zihlala zidweliswe kwi-stock exchange njenge-LSE okanye i-NYSE. Ayikuvumeli kuphela ukuba wenze utyalomali ngokulula, kodwa ikwathetha ukuba utyalomali lulwelo. Ngokwemigaqo kaLayman, oku kuthetha ukuba ungaphuma kutyalo-mali lwakho nangaliphi na ixesha-nto leyo ongenakukwazi ukuyenza njengomninikhaya oqhelekileyo.

    Zithini i-Pros and Cons of REITs?

    • Zuza kumzi mveliso wokuthengisa izindlu nomhlaba ngaphandle kokuthenga indlu
    • Utyalomali ngokulula kwiimarike zepropathi zamanye amazwe
    • Utyalo-mali lwakho alwenzi nto njengoko i-REIT iza kuthenga ithengise iipropathi egameni lakho
    • Akukho sidingo sokukhathazeka malunga nokufumana kunye nokujongana nabaqeshi
    • Qala ngemali encinci
    • Ii-REIT zihlala zidweliswa kutshintshiselwano lwesitokhwe- ke ukuphuma kwemali ngalo naliphi na ixesha
    • Gcina imali yakho yendlela yokubhatala yemihla ngemihla njengekhadi ledebhithi / lekhredithi
    • Zuza iindlela ezimbini zengeniso-yentlawulo kunye nexabiso

    • Akufanele ukhethe ukuba zeziphi iipropathi otyala kuzo
    • Ezinye ii-REIT zibiza iifizi eziphezulu

    Isebenza njani iREIT?

    I-REIT zilungele umtyalomali we-newbie, njengoko awuyi kucelwa ukuba wenze nawuphi na umsebenzi onzima ohambelana nokufumana iipropati, ukufumana nokulawula abaqeshi, ukuqokelela iintlawulo, okanye ukuhlalutya imarike yezorhwebo.

    Ngokuchasene noko, kufuneka ukhethe i-REIT oyithandayo ngenkangeleko, uthenge isitokhwe ngasinye, kwaye wonwabele umvuzo ongenanto. Kuya kufuneka ufumane isabelo sakho sentlawulo yerenti rhoqo ngenyanga ngezahlulo, kunye neenzuzo ezinkulu ngokunyuka kwexabiso lesitokhwe leREIT.

    Iindidi zeERIT

    Okokuqala nokuphambili, kufuneka uvavanye uhlobo lwe-REIT otyale imali kulo. Ngelixa abanye ababoneleli beza kwahluka kuluhlu lwamacandelo epropathi ahlukeneyo, abanye baya kugxila kwelinye.

    Oku kunokubandakanya:

    ✔️ Indawo yokuThengisa izindlu

    Xa sibhekisa kwindawo yokuhlala nomhlaba kwimeko ye-REITs, oku kuhlala kugxile kwiipropati ezininzi zosapho. Esi isenokuba sisango elinezindlu eziyi-100 - zonke ziqeshiselwe abaqeshi ngokubanzi. Ngenye indlela, oku kunokuba yindawo ephezulu yokuphakama kunye namakhulu ee-condos.

    Nokuba yeyiphi na indlela, ezi zizinto ezingenakufunyanwa kuwe ngumtyali mali wemihla ngemihla, hayi ubuncinci kuba ixabiso learhente yokuthengisa izindlu nomhlaba kulindeleke ukuba ibe ngamashumi ezigidi zeepawundi. Ii-REIT zinokufikelela kolu rhwebo luhlawula imali eninzi ngenxa yesigidi sesigidi semfazwe. Ungalibali, umboneleli uya kuba namawakawaka abatyali mali phantsi kwebhanti - ezinye zazo ziya kuba nemali yeziko.

    IiNtengiso zearhente yokuThengisa

    Njengoko igama libonisa, ukuthengisa izindlu nomhlaba kubhekisa kwizakhiwo zorhwebo eziqeshiweyo kwiinkampani zentengiso. Cinga kwimigca yevenkile enkulu enamakhulu eevenkile, iikhefi, iivenkile kunye nemivalo. Nganye kwezi nkampani iya kudinga ukuhlawula irente ukuze isebenze kwiivenkile - eziya ngqo kwi-REIT ebuzwayo.

    Esinye sezibonelelo eziphambili zokukhetha i-REIT egxile kwindawo yokuthengisa kukuba izivumelwano zokurenta zisayinwa ixesha elide. Ngenxa yoko, umboneleli uya kuxhamla kumqeshi oqingqiweyo kangangeminyaka eliqela. Ngaphandle kokuba ishishini elisisiseko liyasokola, kunqabile ukuba bajonge ukufudukela kwenye indawo xa uqeshiso kufuneka luhlaziyiwe.

    Kwiphepha le-flip, ukuba iivenkile ngaphakathi kwevenkile yokuthenga ziqala ukuhla kwintengiso, oku kungakhokelela kukungakwazi ukuhlangabezana neentlawulo zerenti. Ukuba le yimeko, inokuba nefuthe ngqo kwi-REIT, ubuncinci kuba iya kufuna ukufumana abaqeshi abatsha.

    ✔️ Intengiso yeNtengiso yeNtengiso

    Ezinye ii-REIT ziya kugxila kwintengiso yezindlu. Ngokwesiqhelo amaziko kwizakhiwo eziqeshwe ngamashishini. Umzekelo, i-REIT inokuthenga icandelo lezemveliso kwaye emva koko iqeshise indawo yokugcina nganye iye kumvelisi omkhulu. Ngenye indlela, umboneleli unokutyala imali kwindawo ephezulu yeofisi.

    Nokuba yeyiphi na indlela- kwaye kakhulu njengendawo yokuthengisa izindlu nomhlaba, abaqeshi baya kuhlala betyikitya ixesha elide eliya kuhlala iminyaka eliqela. Oku kuthetha ukuba i-REIT inayo imithombo eqinisekisiweyo yengeniso de kuqeshwe ngenxa yokuhlaziya. Kwakhona, umboneleli we-REIT uhlala ejongene nomngcipheko wokungahlawuli ukuba umqeshi uwela kubunzima bemali.

    ✔️ Ukhathalelo lwempilo kwiarhente yokuthengisa izindlu

    Ii-REIT ezijolise kumaziko ezempilo zinokubamba iphothifoliyo yezibhedlele, amakhaya okhathalelo, kunye namancedo ophando kwezonyango. Oku kunjalo ngakumbi kwicandelo labucala lokhathalelo lwempilo, apho abaqeshi bevela ngaphandle kwenkonzo yesizwe yezempilo.

    Ngokufana nenye i-REIT, umqeshi uya kuhlawula irente kumboneleli. Nangona kunjalo, uya kuhlala ufumanisa ukuba uqeshiso lukhona kwinani leminyaka-ngakumbi ukuba libotshelelwe kwisibhedlele esikhulu.

    Ukwenza imali nge-REIT

    Ke ngoku ukuba uyazi iindidi zezindlu nomhlaba abathe ababoneleli beREIT batyala imali kuzo, ngoku kufuneka sijonge indlela onokuthi wenze ngayo imali. Ngale ndlela, uya kuzuza ngokusebenzisa imijelo emibini engundoqo yengeniso-yentlawulo kunye nexabiso.

    Iintlawulo zokurenta (izabelo)

    Enye yezona zinto zinomtsalane zotyalo-mali kwi-REIT kukuba uya kuxhamla kumsinga wengeniso ohleliweyo. Nokuba i-REIT iyabandakanyeka na kwezorhwebo, indawo yokuhlala, ukuthengisa, okanye iipropathi zokhathalelo lwempilo- ipropathi nganye ibekwe kwimarike yerente.

    Ngamanye amagama, abaqeshi baya kuhlawula ngenyanga okanye ngekota intlawulo kumboneleli we-REIT- kwaye njengomtyali mali, uya kufumana isabelo sakho. Ngokwendlela onokuthi wenze ngayo, oku kuxhomekeke kuluhlu lwezinto - ezinje ngendawo kunye nobungakanani bepropathi, kunye nobude besivumelwano.

    Kuya kufuneka ujonge kwimirhumo enxulumene nokufumana kunye nokulawula abaqeshi, kunye nokuqokelela nokusasaza iintlawulo. Nangona kunjalo, apha ngezantsi sidwelise umzekelo osisiseko wendlela isabelo sakho sentlawulo yerenti esiya kusebenza ngayo xa utyala imali kwi-REIT.

    1. I-REIT ine- £ 1 yezigidigidi zeepropathi kwiipotifoliyo zayo
    2. Utyalomali isigaxa se- £ 5,000 kwi-REIT
    3. Kuwo onke amawaka eepropathi, i-REIT ifumana i-avareji yesivuno sonyaka we-6% kwiintlawulo zokurenta- kubandakanya nemirhumo
    4. Oku kuthetha ukuba ekuhambeni konyaka, ufumene i- £ 300 kwizabelo (£ 5,000 x 6%)
    5. Iintlawulo zesahlulo zihlala zihlawulwa rhoqo ngenyanga

    Njengoko ubona apha ngasentla, ukwazile ukwenza ukubuya okumnandi nge-6% ngonyaka ngaphandle kokufuna ukwenza nawuphi na umsebenzi. Oku kwenza utyalomali lwe-REIT a i-passive umsinga wengeniso.

    Uxabiso (iinzuzo ezinkulu)

    Njengongeniso njengentlawulo yerenti engaguqukiyo, iindaba ezimnandi zezokuba nawe uyama ukwenza imali xa iipropathi ezingaphantsi zisonyuka ngexabiso. Eyaziwa ngokuba 'luxabiso', oku kukuvumela ukuba unyuse ixabiso lotyalo-mali lwakho ekuhambeni kwexesha. Inani elithile lokuxabisa eliza kuxhamla kwi-REIT liya kuxhomekeka kwintengiso apho iipropathi zikhona.

    Umzekelo, ukuba i-REIT ityala imali kwiipropathi zokuhlala, kwaye ubunzima busekwe kwindawo enoqoqosho olomeleleyo lwasekhaya, iarhente yokuthengisa izindlu nomhlaba inokuxabisa nge-5-10% ngonyaka. Kwesinye isiphelo se-spectrum, ukuba i-REIT ibambe indawo enkulu yokuthenga-kodwa kuphela iipesenti ezingama-60 zevenkile ngoku ziqeshwayo, oku kunokuba nefuthe elikhulu kwixabiso le-real estate.

    Nangona kunjalo, nanku umzekelo wendlela oza kuxhamla ngayo kuxabiso xa usenza imali kwi-REIT.

    1. Utyala imali kwi-REIT egxile kwizakhiwo zorhwebo
    2. Ipotifoliyo yayo yeepropathi ixabisa i-2 yezigidigidi zeerandi ngoJanuwari 2020.
    3. Ugqiba ekubeni utyale imali eyi- $ 10,000 ngesitokhwe esidweliswe esidlangalaleni
    4. Ukwenza ingcinga yokuba akukho zinye iipropathi zithengiwe okoko utyale imali, ngoJanuwari 2021 iphothifoliyo yayo ngoku ixabise i-2.1 yezigidigidi
    5. Oku kuveza ukwanda kweepesenti ezi-5, esekwe kwiipropathi ezisisiseko ezixabisa ixabiso
    6. Ukonyuka kuya kubonakala kwixabiso lesitokhwe le-REIT, ke izabelo zakho ze- $ 10,000 ngoku inexabiso lentengiso le- $ 10,500
    7. Ukuba ufuna ukuqonda le nzuzo, kuya kufuneka uthengise izabelo zakho

    Njengoko sixoxa kwicandelo elilandelayo, ukuba i-REIT ityale imali kwityala elibanjiswe ngempahla, ayizukuzuza luxabiso. Endaweni yokuba yenze imali ngenzala etyaleni.

    IINKCUKACHA: Equity vs Ityala

    Kukwabalulekile ukuba uqonde isiseko sotyalo-mali lwakho lwe-REIT ngokwe-equity kunye namatyala.

    Equity

    Ukuba i-REIT ithenga ipropathi ngqo-utyalo-mali lusekwe kubulungisa. Oku kuthetha ukuba umboneleli ungumnini wepropathi eyi-100% ngokuthe ngqo, kungekho mboleko okanye imali mboleko ebotshelelwe kwipropathi. Ngenxa yoko, uyakuxhamla kwiintlawulo zerhafu ezisisigxina njengoko zihlawulwe ngumqeshi.

    ityala

    Ezinye ii-REIT zityala imali kwityala. Kwiimeko ezininzi, umboneleli uya kuboleka imali kumashishini amakhulu anqwenela ukuthenga izindlu nomhlaba ngokwawo. Le inokuba yinkampani efuna ukuthenga indawo entsha yokuvelisa, okanye umboneleli wezempilo wabucala ofuna ukuthenga indawo entsha yesibhedlele.

    Nokuba yeyiphi na indlela, i-REIT ayizukubangumnini wepropathi ephantsi, njengoko bexhasa ngemali isivumelwano semali mboleko. Kananjalo, i-REIT iya kufumana imali ngenzala ehlawulwe kwimali mboleko.

    Ngokombono wotyalo-mali lwakho, uya kuhlala ufumana umvuzo wenyanga xa umntu obolekayo esenza iintlawulo zakhe. Nangona kunjalo, njengoko i-REIT ingeyompahla ekuthethwa ngayo, awuyi kuzuza luxabiso.

    Izibonelelo zokuTyala imali kwi-REIT

    Ukuba usahleli ocingweni lokuba ingaba i-REIT ilungile na kwiinjongo zakho zexesha elide zotyalo-mali, apha ngezantsi sidwelise izizathu ezintandathu zokuba kutheni ungafuna ukuthathela ingqalelo.

    ✔️ Akukho sidingo sokuthenga iPropathi ngqo

    Okokuqala, ukuzama ukufumana unyawo lwakho kwileli yepropathi akukho lula i-UK - ngokukodwa ukuba uhlala eLondon. Ayisiyomfuneko yokuba ulwe namaxabiso epropathi ahlala ekhula, kodwa kuya kufuneka unikele ngediphozithi ye-10% -20%. Ngapha koko, kuyakufuneka ubeneprofayili elungileyo yetyala, kwaye uya kuba uzivalela kwimali mboleko yexesha elide ukuya kuthi ga kwiminyaka engama-35.

    Oku kwahluke ngokupheleleyo kwindlela i-REIT esebenza ngayo. Ngokubalulekileyo, njengoko ababoneleli be-REIT beququzelela utyalo-mali ngokusebenzisa uluhlu lokutshintshiselana ngesitokhwe, unokutyala ngokufanelekileyo ngokufanelekileyo okanye kancinci njengoko unqwenela. Oku kunjalo ngakumbi ukuba usebenzisa i-stockbroker ekwi-Intanethi efana ne-eToro- ekuvumela ukuba utyale imali kwii-REITs ukusuka kwi- $ 25 (malunga ne- £ 20).

    Ukwahluka

    Ukuba unayo indlela yemali yokuthenga ipropathi ngokuthe ngqo, ubeka onke amaqanda akho kwibhasikithi enye. Umzekelo, masithi uthenga ipropathi eLondon ixabisa i- £ 450,000. Nangona imarike yepropathi yaseLondon ngaphambili ibilelinye lawona macandelo aqhuba kakuhle kwindawo yokuthengisa izindlu nomhlaba, akukho siqinisekiso sokuba oku kuya kuhlala kunjalo.

    Ngapha koko, kukholelwa ukuba iBrexit iya kuba nefuthe elibi kwimarike yepropathi yaseLondon, kunye nabanye abahlalutyi bexela ukwehla okungaphezulu kwe-30%. Oku kuya kuba yintlekele kuwe njengomtyalo-mali, njengoko ungenako ukuhlawula umngcipheko kunye nezinye iipropati.

    Xa kuthethwa oko, ii-REIT ziya kutyala imali kumakhulu, ukuba akunjalo ngamawaka ezinto ezizodwa. Oku kuyakukunika elona thuba lilungileyo lokwahlulahlula ukubamba kwakho kwimeko apho intengiso ethile yepropathi iye ime. Unokwandisa isicwangciso sakho sokwahlula ngokuqhubekayo ngokutyalomali kwii-REIT ezininzi kuwo onke amashishini, indawo yokuhlala, ukhathalelo lwempilo, kunye necandelo lokuthengisa.

    Ukufumana ukuBoniswa kwiiMakethe zamanye amazwe

    Ukuba uhlala e-UK, kusenokwenzeka ukuba ujonge ukufumana ukubonwa kwintengiso yasekhaya. Nangona kunjalo, kufanelekile ukuba uqikelele ukwandisa ii-horons zakho ngokubamba iipropathi phesheya. Ngoku, ukuzama ukwenza oku ngesiseko se-DIY kuya kuba yinto yamalungiselelo amabi. Kuya kufuneka ukuba ube nokuqonda okuqinisekileyo kwemithetho yendawo kunye nemigaqo.

    Kwakhona, ayisiyiyo indawo REIT esebenza ngayo. Ngokuchasene noko, unokufumana ukubonwa kwiimarike zamanye amazwe zokuthengisa izindlu nomhlaba ngaphandle kokufuna ukwenza nawuphi na umsebenzi. I-REIT ekuthethwa ngayo iya kuba nobuchule kwimarike yeli, ukuze ujolise kutyalo-mali lwangaphandle kwezindlu ngokulula.

    ✔️ Imijelo emibini yeNgeniso

    Njengoko besibonile ngokufutshane ngaphambili, uya kuxhamla kwimithombo emibini yengeniso xa utyala imali kwi-REIT. Qaphela, oku kunjalo kuphela ukuba i-REIT ityale imali ngokulingana, ngokuchasene namatyala. Ukuba iyakwenza oko, uya kuyikhulisa imali yakho inyanga nenyanga ngokusebenzisa izabelo.

    Oku kunxulunyaniswe nesabelo sakho sentlawulo yerenti eqokelelwa yiREIT- imirhumo engaphantsi. Njengokuba kwaye xa izabelo zakho zihlawulwe, ungaphinda uzibuyise kwi-REIT ukuze uzuze kumdla wenzala.

    Ngaphezulu kweentlawulo zokurenta, uya kufumana isabelo sakho nakuphi na ukuxabisa. Oku kuhlawulwa rhoqo ngonyaka.

    ✔️ Utyalo mali

    Esinye sezibonelelo ezixhaphakileyo zokusebenzisa i-REIT kukuba yonke inkqubo yotyalo-mali ayenziwanga. Ngaphandle kokuthenga nokuthengisa izabelo zakho, yonke enye into iyakhathalelwa.

    Emva kwayo yonke loo nto, ngubani ofuna ukuhamba nobunzima bokuvavanya amathuba otyalo-mali, ukufumanisa, ukuhlola kunye nokulawula abaqeshi, emva koko aqokelele kwaye ahambise iintlawulo zerenti? Endaweni yokuba le misebenzi ichazwe ngasentla iya kugqitywa yiREIT otyale imali ngayo.

    Kukwabalulekile ukuba ukhumbule ukuba i-REIT inokuba neqela leengcali ezinamava kakhulu kwezorhwebo nasemva kwayo. Ezi ngcali ziya kujonga ekufumaneni ezona ntengiso zibalaseleyo kwintengiso. Ngokubalulekileyo, njengoko ii-REIT zisenza imali xa ixabiso lesitokhwe sazo lonyuka, bakhuthazeka ngokwasemalini ukuze bandise umvuzo wakho.

    ✔️ Ulwelo kakhulu

    Ekugqibeleni-kwaye mhlawumbi kubaluleke kakhulu, ii-REIT zinamanzi amaninzi. Oku kwahluke ngokupheleleyo kutyalo-mali lwepropathi yemveli, nokuba yeyiphi na ngaphandle kolwelo. Umzekelo, masithi uneepropathi ezimbini e-UK.

    Ukuba uqhubeka phantsi umgca ugqibe ekubeni ufuna ukuthengisa iipropathi zakho ukuze ukwazi ukutyala imali kwiphulo elitsha, ucinga ukuba oku kungathatha ixesha elingakanani? Ngaphandle kokuba ulungele ukuthengisa iipropathi zakho ngezantsi kwexabiso lemarike, inkqubo yokuphela kwayo ingathatha iinyanga ezininzi.

    Ngokuchasene noko, ngokutyala imali nge-REIT, ungaphuma kwindawo yakho kwaye xa ubona kufanelekile. Kufuneka uye ngqo kumrhwebi othenge kubo izabelo, uzithengise, emva koko urhoxise iiponti kwi-akhawunti yakho yebhanki!

    Uqala njani nge-REIT namhlanje

    Njengengxolo yiphi i-REIT enikezela ngeenjongo zakho zexesha elide lotyalo-mali? Ukuba kunjalo, ngoku siza kukubonisa ukuba ungalwenza njani utyalo-mali namhlanje. Ngapha koko, ngokulandela izikhokelo zenyathelo nenyathelo ezichazwe ngezantsi, unokufumana izandla zakho kwi-REIT stock kwisithuba esingaphantsi kwemizuzu eli-15!

    Inyathelo 1: Khetha i-REIT yokuTyala imali

    Okokuqala nokuphambili, kufuneka uchithe ixesha elithile uphanda nge-REIT ehlangabezana neemfuno zakho zotyalo-mali. Umzekelo, ngaba ujonge ukufumana ukubonwa kwindawo yepropathi yorhwebo, okanye ngaba unomdla ngakumbi kwiiyunithi zokuhlala kweentsapho ezininzi ezise-US?

    Ukuba awuqinisekanga ukuba yeyiphi i-REIT yokutyala imali kuyo, sidwelise ezona zikhetho zintathu ziphakamileyo zika-2021 ukuya esiphelweni seli phepha.

    Inyathelo 2: Fumana uMrhwebi odwelisa i-REIT yakho ekhethiweyo

    Nje ukuba ufumene i-REIT oyithandayo inkangeleko yayo, kuyakufuneka ufumane umrhwebi okwi-intanethi ayidwelise. Qaphela, awusoze uvule iakhawunti kunye nomthengisi okwi-Intanethi kuba ixhasa i-REIT oyikhethileyo.

    Ngokuchasene noko, oku kuya kubandakanya uluhlu lwezinye izinto eziguquguqukayo- ezinje ngommiselo, iifizi, iindlela zokuhlawula, kunye nenkxaso yabathengi.

    Inyathelo 3: Vula iAkhawunti kwaye uQinisekise ubuNgcacisi bakho

    Nje ukuba ufumane umthengisi ofanelekileyo kwi-Intanethi ophethe i-REIT oyikhethileyo, uya kucelwa ukuba uvule iakhawunti. Inkqubo ayifane ithathe ngaphezu kwemizuzu embalwa, kwaye ifuna nje ulwazi oluthile ngawe.

    Oku kubandakanya:

    • Igama lokuQala kunye lokugqibela
    • Umhla wokuzalwa
    • Idilesi yasekhaya
    • Inombolo ye-Inshurensi kaZwelonke (okanye inombolo yerhafu yaphesheya)
    • Iinkcukacha zoqhakamshelo

    Ukuze uthobele abalawuli abanjengo FCA, umrhwebi okwi-Intanethi uya kucelwa ukuba aqinisekise isazisi sakho. Kwiimeko ezininzi, abarhwebi abakwi-Intanethi bayakuvumela ukuba wenze oku ngokufaka ikopi yepasipoti yakho okanye ilayisensi yokuqhuba. Iiplatifomu zobudala obutsha njengeCapital.com zinokuqinisekisa uxwebhu ngokuzenzekelayo.

    Inyathelo 4: Iimali zeDeposithi

    Nje ukuba uyiqinisekisile iakhawunti yakho yomthengisi, kuyakufuneka ufake imali. Uninzi lwabarhwebi luphumeza isixa esincinci sedipozithi, ke qiniseka ukuvavanya ukuba yintoni le.

    Ngokweendlela zokuhlawula ezixhaswayo, oku kuya kwahluka kubarhwebi. Nangona kunjalo, kwiimeko ezininzi, uya kukhetha kwezi zilandelayo:

    • Ikhadi ekufakwa imali
    • Ikhadi letyala
    • Paypal
    • Skrill
    • Neteller
    • Udluliselo lwebhanki

    Ngaphandle kokuba ufaka iakhawunti yebhanki, iimali kufuneka zifakwe ngephanyazo.

    Inyathelo 5: Yabela iiNgxowa-mali kwi-REIT yakho ekhethiweyo

    Kule nqanaba lesikhokelo sinyathelo-nge-nyathelo, ngoku kufuneka ube neakhawunti yomthengisi eqinisekisiweyo exhaswa ngemali. Kananjalo, ngoku unokwaba imali eseleyo kwiakhawunti yakho kwiREIT yakho oyikhethileyo.

    Nokuba yeyiphi na umrhwebi oyisebenzisayo, uyakufuna ukuseta 'iodolo'. Oku kuxelela umthengisi ngokuchanekileyo ukuba loluphi na utyalomali onqwenela ukulwenza.

    Umzekelo, kuyakufuneka ufake inani elipheleleyo onqwenela ukulityala kwiiponti kunye neepeni. Unokhetho lokusebenzisa ubungakanani kurhwebo lwakho. Umzekelo, ukuba usebenzisa i-3x kwi-REIT oyikhethileyo kwaye une- £ 500 kwiakhawunti yakho, ungathengisa nge- £ 1,500.

    Inyathelo 6: Ukwenza iinzuzo ngokuHanjiswa kwezahlulo kunye noxabiso

    Nje ukuba utyale imali kwiRIT, uya kuthi ke ube nelungelo kwisabelo sakho sentlawulo zisahlulo. Oku kuhambelana nengeniso yerenti eqokelelwa ngumboneleli we-REIT kubaqeshi bayo. Kwiimeko ezininzi, umboneleli uya kuyisasaza le broker inyanga nenyanga. Xa besenza, iimali ziya kubonakala kwiakhawunti yakho yomthengisi njengemali.

    Njengengcebiso esecaleni, kufanelekile ukuphinda ubuyise iintlawulo zakho zesahlulo ubuyisele kwi-REIT (okanye nakuluphi na udidi lweeasethi zento leyo). Ngokwenza njalo, uyakukuxhamla kwiziqhamo zomdla wekhompawundi.

    Xa kuziwa ekuqondeni izibonelelo zakho zoxabiso, oku akuyi kuhlawulwa kuwe ngemali. Ngokuchasene noko, iinzuzo ziya kubonakala kwixabiso lesitokhwe le-REIT. Kananjalo, ekuphela kwendlela onokufumana ngayo izandla zakho kwiinzuzo zokuxabisa kukuthengisa utyalo-mali lwakho.

    AmaTrasti aphezulu e-UK yokuThengisa iiarhente (REITs) -Iikhethi zethu ezi-3

    Ngamakhulu ama-REIT ajikelezayo kwiimarike ezinkulu ze-stock ezifana ne-LSE kunye ne-NYSE, ukwazi ukuba ngubani umboneleli oza kuhamba naye kunokuba ngumngeni. Unoko engqondweni, apha ngezantsi uza kufumana ezona zikhetho zethu zintathu zi-3.

    Aba bathengisi baphambi kokuphononongwa baya kukunika ukufikelela kwisithuba sepropathi yase-UK, okanye kwiimarike ezibekwe phesheya kolwandle. Kananjalo, kufanelekile ukuba uqwalasele isicwangciso sobubanzi bokusasazeka ngokutyala imali kwii-REIT ezininzi!

    SPDR Dow Jones REIT ETF zitshintshi e zeedola imbali yamanani, ishati ukususela ekuqaleni kokuthengisa

    SPDR Down Jones REIT ETF (RWR) zitshintshi e zeedola imbali yamanani, ishati kuba EyoMdumba XNUMX Ngamafutshane, umboneleli utyale imali phantse kuzo zonke iintlobo zepropathi onokucinga ngazo. Oku kubandakanya yonke into ukusuka kumakhaya ahlala kwiintsapho ezininzi, izakhiwo zorhwebo, iindawo zentengiso, kunye nakwindawo zononophelo lwempilo.

    Ngokubalulekileyo, oku kuqinisekisa ukuba unolwazi kumzi-mveliso obanzi wepropathi, ngokuchasene nokujongela phantsi icandelo elithile. Qaphela, iRWR REIT ityale imali kwindawo yaseMelika, ngenxa yoko awuzukufikelela kwiipropathi zase-UK. Ngexesha lokubhala, umboneleli we-REIT unee-asethi ezixabisa i-1.7 yezigidigidi zexabiso phantsi kolawulo, ngomlinganiselo weendleko we-0.25% kuphela.

    Oku kuthetha ukuba uyakufuneka uhlawule kuphela i-25p kuyo yonke i- $ 100 oyityalayo, eli lixabiso elikhulu. Ngokumalunga nokwenza utyalomali, eyona ndlela ilula yokwenza oku kukulawulwa okurholileyo okwenziwa kwi-Intanethi eToro. Iqonga alihlawulisi naziphi na iikhomishini zorhwebo kwi-REIT ETFs, ke kukusasazeka kuphela ekufuneka ujonge kuko.

    Ngaphaya koko, i-eToro ikuvumela ukuba ubeke imali ngedebhithi / ikhadi lekhredithi, i-e-wallet, okanye iakhawunti yebhanki. Ubuncinci beakhawunti buqala kwi- $ 250 (malunga ne- £ 200). Ngale nto ithethwayo, iqonga likuvumela ukuba utyale imali eyi- $ 25 nje nge-REIT, ukuze ukwazi ukwahluka ngakumbi ngokongeza ababoneleli abaninzi kuluhlu lwakho. Okokugqibela, i-eToro ngumrhwebi olawulwa kakhulu. Okwangoku iphethe iilayisensi ezivela kwimizimba emithathu yenqanaba elinye- kubandakanya ne-FCA yase-UK.

    Isilinganisi sethu

    • Ixhasa zonke iintlobo zekhredithi / zekhadi letyala
    • Akukho ntlawulo yokurhweba ngaphandle kokusasazeka
    • Ubhaliso olukhawulezayo kunye nenkqubo ye-KYC
    • Iiakhawunti zidityaniswe nge-USD kuphela
    I-75% yabatyali zimali abathengisayo baphulukana nemali xa bethengisa iiCFD kunye nalo mboneleli

    2. iShares Cohen & Steers REIT ETF kunye ne-Plus500

    Ngonyaka kunye neminyaka emithathu, ixabiso lezabelo ze-iShares Cohen & Steers REIT ETF zatshintshela kuma- + XNUMX%. Ngamafutshane, umboneleli wenza imali kwi-REITs, ke iphothifoliyo ye-REIT-portfolios-ukuba iyavakala.

    Ngamanye amagama, ii-iShares ziya kutyala imali kwi-REITs ezininzi ezidadayo kwiimarike zesitokhwe, nto leyo ethetha ukuba inezigidi zeepropathi phantsi kwebhanti. Kananjalo, uya kuxhamla kwimithombo yengeniso rhoqo ngezahlulo zanyanga zonke, kunye nokukhula kokuxabisa. Ngokufana ne-REIT yangaphambili esixoxe ngayo, oku kuza ngohlobo lwamaxabiso ezabelo anyukayo.

    Malunga neepropathi ezisisiseko, oku kugubungela uninzi lweentlobo zeepropathi. Kwakhona, uya kutyala imali kwindawo yase-US yokuthengisa izindlu nomhlaba. Ukuba uyasithanda isandi se-iShares Cohen kunye ne-Steers REIT ETF, eyona ndlela ilula yokwenza utyalomali kukusebenzisa i-UK-based broker Plus500.

    Uyakwazi ukuvula iakhawunti ngemizuzu, emva koko ufake imali ngedebhithi / ikhadi lekhredithi, iakhawunti yebhanki, okanye iPaypal. Iidipozithi ezincinci ziqala kwi- $ 100 (malunga ne- $ 80), kwaye iqonga lilawulwa yi-FCA. I-Plus500 ikunika ukhetho lokusebenzisa amandla, kunye nokuthengisa okufutshane.

    • Urhwebo ngaphandle kweKhomishini
    • Iimfumba zamaphepha mvume
    • Amawakawaka eCFD adweliswe
    • Izixhobo zokuphanda ezingekho mgangathweni
    I-75% yabatyali zimali abathengisayo baphulukana nemali xa bethengisa iiCFD kunye nalo mboneleli

    3. SEGRO UK REIT kunye IG

    Ukuba intliziyo yakho isethwe kwi-REIT echazwe kwicandelo lepropathi yase-UK, ndingacebisa ukuba siqwalasele i-SEGRO UK REIT. Umboneleli yinkampani yotyalo mali yokuthengisa izindlu nomhlaba eseLondon engathengi kuphela izakhiwo zase-UK, kodwa neepropathi kwilizwekazi laseYurophu.

    Ubuninzi bamaziko ayo eepotifoliyo kwiiyunithi ezinkulu zemizi-mveliso, ke uya kuxhamla kuzo zombini iintlawulo eziqeshisayo kunye noxabiso. Ngokumalunga nexesha langaphambili, iindawo zokuhlala zihlala zitshixelwe kwizivumelwano zokuqeshisa kangangeminyaka eliqela, ekunikezela ngento yokhuselo lwexesha elide.

    Imizekelo yokubanjwa kwezindlu nomhlaba i-SEGRO okwangoku iphantsi kwebhanti ibandakanya amazibuko amakhulu, izikhululo zothutho zikaloliwe, kunye neendawo zokugcina izikhululo zeenqwelo moya. Yaziswa ngo-1974, umrhwebi unedumela elihle kwindawo yokurhweba kwi-Intanethi.

    Iphethe iilayisensi kumazwe amaninzi-kubandakanya ne-UK ye-FCA. Iidipozithi ezincinci ziqala nge- $ 250, kwaye ungayixhasa ngemali iakhawunti yakho ngekhadi ledebithi / lekhredithi okanye iakhawunti yebhanki. Ngobunzima, i-IG ayihlawulisi naziphi na iikhomishini.

    • Eyilwe kwi-1974
    • Ukusasazeka okuqinileyo
    • Indawo yokuthengisa igolide kwii-0.3 iipipsi nje
    • Ubuncinci bediphozithi ephezulu kakhulu kwi- £ 250
    I-75% yabatyali zimali abathengisayo baphulukana nemali xa bethengisa iiCFD kunye nalo mboneleli

    isiphelo

    Ukuba ufunde isikhokelo sethu yonke indlela, ngoku kufuneka ube nokuqonda okuqinisekileyo malunga nokuba ziphi i-REIT, zisebenza njani, nokuba ngaba zilungele iinjongo zakho zokutshala ixesha elide. Ngokweqile, ii-REIT zifunwa kakhulu ngabatyalomali abafuna ukufumana ukuthengiswa kweemarike zezindlu ngendlela eyahlukeneyo.

    Kwiimeko ezininzi, uya kuba utyala imali ngomboneleli onamakhulu, ukuba ayingamawaka ezakhiwo kunye nezakhiwo phantsi kwebhanti. Oku kuthetha ukuba uyakuxhamla kwingeniso ngeendlela ezimbini - izabelo eziqeshisayo kunye noxabiso. Mhlawumbi, okona kubaluleke kakhulu, ii-REIT zilungile kwabo bafuna utyalomali lotywala, hayi ubuncinci kuba ungaphuma kwindawo yakho ngonqakrazo lweqhosha.

    Siye saxoxa nangee-REITs zethu ezi-3 eziphezulu zika-2021. Aba baboneleli benze ngokungaguquguqukiyo kule minyaka ilishumi idlulileyo, kunye nembuyekezo eyodlula leyo yeempahla zesintu kunye neebond.

    I-Eightcap-Iqonga elilawulwayo eliSasazekileyo

    Isilinganisi sethu

    • Ubuncinci bediphozithi ye- $ 250 nje
    • Iplatifomu ye-100% yasimahla kunye nokusasazeka okuqinileyo
    • Intlawulo yasimahla ehlawulwa nge-debit / amakhadi etyala kunye ne-e-wallets
    • Amawaka eemarike zeCFD kubandakanya i-Forex, iZabelo, iiRhwebo, kunye neeCryptocurrencies
    Qala uhambo lwakho lokufikelela kuzo zonke iinjongo zakho zezemali apha.

     

    FAQs

    Yintoni iREIT?

    IiTrasti zoTyalo mali zeZindlu (REITs) zikuvumela ukuba ufumane ukubonakaliswa kwipotifoliyo yeepropathi ezahlukeneyo. Ababoneleli bengxowa-mali baya kuthenga bathengise iipropathi egameni lakho, ke inkqubo yotyalo-mali yi-100% nje.

    Ndiyenza njani imali kwi-REIT?

    Ukuba i-REIT yeyakho ipropathi, uya kufumana isabelo sakho sentlawulo yerenti. Oku kuhlawulwa kanye ngenyanga. Uyakufumana isabelo sakho senzuzo yokuxabisa, ebonakaliswa kukonyuka kwexabiso lesitokhwe leREIT.

    Ndifuna malini ukutyala imali kwiREIT?

    Oku kuxhomekeke kumthengisi okwi-Intanethi ogqiba kwelokuba uvule iakhawunti. Umzekelo, nangona i-REIT broker yomgangatho ophezulu i-eToro ifuna idiphozithi encinci ye- $ 200 (malunga ne- £ 200), ungatyala imali ukusuka kwi-25 yeedola (malunga ne- £ 20) nge-REIT nganye.

    Ngaba iREIT brokers ilawulwa?

    Ewe, abathengisi abakwi-Intanethi ababonelela nge-REIT ngohlobo lwezitokhwe okanye ii-ETFs kufuneka babambe ilayisensi yokulawula. Kule UK, oku kufuneka kube ne-FCA.

    Nguwuphi umahluko phakathi kokulingana kunye netyala xa utyala imali kwi-REIT?

    Ukuba umboneleli we-REIT uthenga ipropathi ngokuthe ngqo, uya kuxhamla kwiintlawulo eziqeshisayo kunye nokukhula kokuxabisa. Oku kwaziwa njengokulingana. Ukuba umnikezeli we-REIT uboleka imali kumntu wesithathu ngenjongo yokuthenga iarhente yokuthengisa izindlu nomhlaba, ke oku kwaziwa njengelityala. Ngokwenza njalo, uya kwenza imali ngenzala kwimali mboleko, ngokuchasene nentlawulo yerenti okanye uxabiso.

    Ngaba ndingasifaka isibonelelo sokutyala imali kwi-REIT?

    Ngokuqinisekileyo unako. Xa usebenzisa i-CFD broker, uya kuba nakho ukusebenzisa amandla okurhweba kwi-REIT.

    Zeziphi iindlela zokuhlawula eziXhaswa ngabaRhwebi?

    Ngokwesiqhelo unokukhetha kwikhadi ledebhithi, kwikhadi letyala, kwi-wallet, okanye kwiakhawunti yebhanki.