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- About Us

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• Glossary
• Información en Español
  
  - Introduction to Investing - Starting - Five Questions to Ask Before You Invest
• Understanding Fees
• Asset Allocation
• Assessing Your Risk Tolerance
• Spending for Your Own
• Working with an Investment Professional
• Researching Investments
  
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• Invest For Your Goals
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  Breadcrumb
  
  1. Home.
• Introduction to Investing.
• Investment Products
  
  Main navigation
  
  - Save and Invest - Define Your Goals.
• Diversify Your Investments.
• Find out Your Finances.
• Gauge Your Risk Tolerance.
• Discover Investment Options.
• Settle Credit Cards or Other High Interest Debt.
• Save for a Rainy Day.
• Small Savings Amount To Big Money.
• Understand What It Means to Invest
  
  - Public Companies.
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• Types of Orders.
• Types of Brokerage Accounts.
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  - Auction Rate Securities.
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  - How to Submit Comments to the SEC.
• Researching the Federal Securities Laws Through the SEC Website.
• The Laws That Govern the Securities Industry
  
  Real Estate Investment Trusts (REITs)
  
  What are REITs?
  
  Property financial investment trusts (" REITs") permit individuals to invest in massive, income-producing property. A REIT is a company that owns and usually runs income-producing realty or related possessions. These may consist of office complex, going shopping malls, homes, hotels, resorts, self-storage centers, storage facilities, and mortgages or loans. Unlike other realty companies, a REIT does not develop realty residential or commercial properties to resell them. Instead, a REIT buys and develops residential or commercial properties primarily to run them as part of its own financial investment portfolio.
  
  Why would somebody purchase REITs?
  
  REITs offer a way for specific financiers to earn a share of the income produced through industrial genuine estate ownership - without really having to go out and buy business property.
  
  What kinds of REITs exist?
  
  Many REITs are registered with the SEC and are publicly traded on a stock exchange. These are known as publicly traded REITs. Others may be signed up with the SEC however are not openly traded. These are referred to as non- traded REITs (also called non-exchange traded REITs). This is one of the most important distinctions amongst the numerous type of REITs. Before purchasing a REIT, you must understand whether it is publicly traded, and how this might affect the benefits and dangers to you.
  
  What are the advantages and dangers of REITs?
  
  REITs provide a way to consist of realty in one's investment portfolio. Additionally, some REITs might use higher dividend yields than some other financial investments.
  
  But there are some dangers, particularly with non-exchange traded REITs. Because they do not trade on a stock exchange, non-traded REITs include special threats:
  
  Lack of Liquidity: Non-traded REITs are illiquid investments. They normally can not be offered easily on the free market. If you need to offer a possession to raise money rapidly, you might not be able to do so with shares of a non-traded REIT. Share Value Transparency: While the market rate of a publicly traded REIT is easily accessible, it can be hard to figure out the value of a share of a non-traded REIT. Non-traded REITs usually do not offer a price quote of their value per share until 18 months after their offering closes. This may be years after you have made your financial investment. As a result, for a significant period you might be unable to examine the value of your non-traded REIT financial investment and its volatility. Distributions May Be Paid from Offering Proceeds and Borrowings: Investors may be drawn in to non-traded REITs by their fairly high dividend yields compared to those of openly traded REITs. Unlike publicly traded REITs, nevertheless, non-traded REITs often pay distributions in excess of their funds from operations. To do so, they might utilize offering profits and borrowings. This practice, which is normally not used by publicly traded REITs, minimizes the value of the shares and the money available to the business to purchase extra assets. Conflicts of Interest: Non-traded REITs generally have an external supervisor instead of their own staff members. This can cause potential disputes of interests with shareholders. For instance, the REIT may pay the external supervisor considerable costs based on the amount of residential or commercial property acquisitions and possessions under management. These cost incentives might not necessarily align with the interests of investors.
  
  How to buy and offer REITs
  
  You can invest in a publicly traded REIT, which is noted on a major stock exchange, by acquiring shares through a broker. You can acquire shares of a non-traded REIT through a broker that takes part in the non-traded REIT's offering. You can likewise purchase shares in a REIT shared fund or REIT exchange-traded fund.
  
  Understanding fees and taxes
  
  Publicly traded REITs can be acquired through a broker. Generally, you can purchase the common stock, chosen stock, or debt security of an openly traded REIT. Brokerage fees will apply.
  
  Non-traded REITs are normally offered by a broker or monetary consultant. Non-traded REITs normally have high up-front costs. Sales commissions and upfront offering costs normally total 9 to 10 percent of the financial investment. These costs lower the value of the financial investment by a substantial quantity.
  
  Special Tax Considerations
  
  Most REITS pay out at least 100 percent of their taxable income to their investors. The shareholders of a REIT are responsible for paying taxes on the dividends and any capital gains they receive in connection with their investment in the REIT. Dividends paid by REITs usually are dealt with as ordinary earnings and are not entitled to the minimized tax rates on other kinds of corporate dividends. Consider consulting your tax consultant before investing in REITs.
  
  Avoiding fraud
  
  Be careful of any individual who attempts to sell 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 also use EDGAR to review a REIT's yearly and quarterly reports in addition to any offering prospectus. For more on how to use EDGAR, please see Research Public Companies.
  
  You must likewise check out the broker or investment adviser who advises acquiring a REIT. To find out how to do so, please see Dealing with Brokers and Investment Advisers.
  
  Additional info
  
  SEC Investor Bulletin: Real Estate Investment Trusts (REITs)
  
  FINRA Investor Alert: Public Non-Traded REITs - Perform a Careful Review Before Investing
  
  Featured Content
  
  School's Out, Investing for Your Future Remains in!
  
  Now is a fantastic time for university student and current graduates to begin considering conserving and investing.
  
  Free Financial Planning Tools
  
  Access savings goal, compound interest, and needed minimum distribution calculators plus other investing tools.
  
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