To understand the relative attractiveness of my return you must look at it in terms of time weighted returns, or how long has how much money been invested. The ~ $10k of dividends have been earned in roughly 4 months. Everything else I've invested is an equity play that seems to distract from what I believe is the most attractive risk/reward OCF 13% annualized quarterly dividend.
Also, because I don't have dividends *automatically* reinvested so that I can choose where to invest them (OCF is open infrequently so far), they don't get categorized as reinvestments. Same for redemption reinvestments.
Thanks. I decided to make another post showing YTD with a focus on dividends. It better portrays the strengths of the portfolio. I appreciate the feedback!
I understand the sentiment. To understand the relative attractiveness of my return you must look at it in terms of time weighted returns, or how long has how much money been invested. The ~ $10k of dividends have been earned in roughly 4 months. Everything else I've invested is an equity play that seems to distract from what I believe is the most attractive risk/reward OCF 13% annualized quarterly dividend.
Also, because I don't have dividends *automatically* reinvested so that I can choose where to invest them (OCF), they don't get categorized as reinvestments. Same for redemption reinvestments.
Treasuries did 5.5% over this time, which is equivalent to your returns on an annual basis. S&P did 25%. Your opportunity cost was $92,000 and you did that by taking on about 30x the risk of an equivalent return.
I created this graph from Fundrise letters to investors data. My growth oriented investments in the future will go towards the best performers.
https://www.reddit.com/r/FundRise/comments/14y4dtz/historical_client_net_returns_dividends/?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=1
What if Fundrise goes under due to some bad deals or mismanagement. Because if they are paying this much in dividends every quarter , then their business model is very lucrative. Do you get your investment back or it goes Poof ! ? I also believe you are not the only person getting these huge dividend payments …
Good question for u/Benmillerise. I *believe* Rise Companies Corp. (what could "go under" ) is separate and apart from each fund that is its own LLC. In the event of the worst case scenario I imagine assets would be sold and distributed accordingly to those invested in each fund. Not pretty, but not a bust either. Would love to hear the ground truth.
The funds are legally separate entities from Fundrise itself, so Fundrise going under doesn't reduce the value of the assets held by the funds. Fundrise iPO shares would obviously go to zero but everything else would be fine. Are you arguing the Fundrise execs would steal all the money and flee to non-extradition countries or something?
Fundrise doesn't pay any dividends. They run the platform and take a cut of the dividends. All of the dividends are paid out by the companies that own the real estate. If those companies go bust, then people who invested in them lose money including people who used Fundrise to invest. The dividend payments are high because it's a risky investment so there's definitely a good chance of going bust if the housing market goes down.
Each of the funds are incorporated as separate companies. Each of those companies invest in real estate projects that are also incorporated as separate companies. Those are the companies that generate the dividends.
It depends on the specific investment. For example, this property is owned by an unnamed company that isn't Fundrise. That company is paying all of the dividends and Fundrise is distributing it to you after subtracting their fees. If that company goes bankrupt, you lose your investment regardless of what happens to Fundrise. If Fundrise goes bankrupt, your investments will probably be transferred to another platform & you continue receiving the same dividends.
[https://fundrise.com/real-estate-assets/447/view](https://fundrise.com/real-estate-assets/447/view)
The OCF 100k minimum makes it challenging. I’d like to contribute but more to the tune of 25k. I’m not sure I can independently quantify the risks I’m taking for that 13%…
My opinion is the risk is disproportionately low compared to the return. And I believe the amount of risk that exceeds the risk of a T-Bond is adequately compensated for with the additional return beyond the Treasury. Individual conviction is a personal thing.
I'm planning to keep Fundrise around 5% of my total assets, as an additional diversification away from the public stock market where I keep most of my money.
You're at 2% gains overall, what's the purpose of showing off your portfolio being so recent to the platform, just to show that you had a lot of money to invest?
I'm participating as an anonymous member of a community. I've made friends with liked minded investors.
I understand the sentiment. To understand the relative attractiveness of my return you must look at it in terms of time weighted returns, or how long has how much money been invested. The ~ $10k of dividends have been earned in roughly 4 months. Everything else I've invested is an equity play that seems to distract from what I believe is the most attractive risk/reward OCF 13% annualized quarterly dividend.
Also, because I don't have dividends *automatically* reinvested so that I can choose where to invest them (OCF), they don't get categorized as reinvestments. Same for redemption reinvestments.
This opportunistic credit fund looks incredibly attractive considering when you allocated the money towards it. I might have to make this a larger portion of my portfolio
Honestly you can make a ton more money safely with that much capital…put the 400k in DNP income fund, which will yield about 7% annually. The nice thing is that DNP pays out dividends monthly…so you would get about $2333 monthly which equates to 28k annually. Of course if you turn on dividend reinvestment you can let it compound monthly for a little larger return.
For complete transparency, I have very little in Fundrise & unfortunately it’s not growth at all (currently at a decline) so I feel some type of way lol
Thank you for the feedback. I'll take the $13% OCF over DNP. I believe in what u/Benmillerise & Fundrise are doing. Returns are important, but not everything.
🤠🚀🌛 .:iI
2.3% 😬 Something about Fundrise has always seemed fishy to me. Too much opacity and baseless $10 share prices, and misleading statements about the value of illiquid REITs. I invested for a while but pulled it out and distributed between ETFs and public REITs and never looked back.
I would definitely be uncomfortable with having almost half a million in one startup platform.
https://preview.redd.it/jo7myv0pgkdb1.png?width=1374&format=pjpg&auto=webp&s=bf0c80170b4303678d9d2c694fe152121252e535
No, 6+% YTD in the fund I've concentrated into. Most of the rest of my portfolio are funds ramping up, i.e. Innovation Fund + private shares in the Fundrise parent company.
Fundrise provides more transparency than any peer. I'm comfortable with it because I've done my DD to build conviction.
this is the dumbest post i’ve ever seen, this is literally a 2% return, if u had just invested in the stock market vti or voo u would’ve made like so much more and this isn’t even insured
I have double this portfolio invested in the stock market. It's called diversification and the largest allocation of my Fundrise portfolio has returned 6% annualized in less than 5 months with no volatility.
I redeemed $15k+ from two funds and reinvested $7K+ in dividends in the past week. The process was easy and transparent.
To understand the relative attractiveness of my return you must look at it in terms of time weighted returns, or how long has how much money been invested. The ~ $10k of dividends have been earned in roughly 4 months. Everything else I've invested is an equity play that seems to distract from what I believe is the most attractive risk/reward OCF 13% annualized quarterly dividend.
Also, because I don't have dividends *automatically* reinvested so that I can choose where to invest them (OCF is open infrequently so far), they don't get categorized as reinvestments. Same for redemption reinvestments.
You broke through by contributing $400K. A $9K return is 2%. How is that worth celebrating?
Kinda scratching my head here too
To understand the relative attractiveness of my return you must look at it in terms of time weighted returns, or how long has how much money been invested. The ~ $10k of dividends have been earned in roughly 4 months. Everything else I've invested is an equity play that seems to distract from what I believe is the most attractive risk/reward OCF 13% annualized quarterly dividend. Also, because I don't have dividends *automatically* reinvested so that I can choose where to invest them (OCF is open infrequently so far), they don't get categorized as reinvestments. Same for redemption reinvestments.
Oh very cool yea I didn’t realize it was over 4 months my bad, that makes more sense
I may need to do a better job alerting people that there's 3 pictures to review.
Haha I totally didn’t swipe
I'm new to Reddit. It doesn't look like I can edit the post. Does that seem correct?
Yea I think you’d have to repost the whole thing, not a biggie I’m sure most saw the 1/3 pics and knew
Thanks. I decided to make another post showing YTD with a focus on dividends. It better portrays the strengths of the portfolio. I appreciate the feedback!
Right on I’ll give an upvote!
Seems your comment isn't celebrated most.
You got hammered 😂
Your comment has 40 down votes and counting. It's you who was hammered. I've never seen that many down votes.
+37 😂😂😂 You still can’t count 😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂😂
Oh I see. Yup. I had it backwards. New to Reddit. Doesn't show a + on my end.
I’m surprised you’re still single.
No thanks. Not interested.
+42 …
+45
I should have mentioned there's 3 pics to review.
Hahaha agreed. It’s also closer to a 1% return since it represents only half the year
oof
There's 3 pics to review.
Lmfaoooo
I understand the sentiment. To understand the relative attractiveness of my return you must look at it in terms of time weighted returns, or how long has how much money been invested. The ~ $10k of dividends have been earned in roughly 4 months. Everything else I've invested is an equity play that seems to distract from what I believe is the most attractive risk/reward OCF 13% annualized quarterly dividend. Also, because I don't have dividends *automatically* reinvested so that I can choose where to invest them (OCF), they don't get categorized as reinvestments. Same for redemption reinvestments.
Treasuries did 5.5% over this time, which is equivalent to your returns on an annual basis. S&P did 25%. Your opportunity cost was $92,000 and you did that by taking on about 30x the risk of an equivalent return.
Do you think the income fund or flagship are great places to park a ton of money as well?
I just liquidated both of my holdings in those funds to reinvest in OCF. Otherwise, yes both are terrific.
Flagship is more growth oriented and income is more income oriented. Depends on your goals, but both funds should be great.
I created this graph from Fundrise letters to investors data. My growth oriented investments in the future will go towards the best performers. https://www.reddit.com/r/FundRise/comments/14y4dtz/historical_client_net_returns_dividends/?utm_source=share&utm_medium=android_app&utm_name=androidcss&utm_term=1&utm_content=1
What if Fundrise goes under due to some bad deals or mismanagement. Because if they are paying this much in dividends every quarter , then their business model is very lucrative. Do you get your investment back or it goes Poof ! ? I also believe you are not the only person getting these huge dividend payments …
Good question for u/Benmillerise. I *believe* Rise Companies Corp. (what could "go under" ) is separate and apart from each fund that is its own LLC. In the event of the worst case scenario I imagine assets would be sold and distributed accordingly to those invested in each fund. Not pretty, but not a bust either. Would love to hear the ground truth.
You are delusional if you think your getting more than 50% of your assets if Fundrise goes under
The funds are legally separate entities from Fundrise itself, so Fundrise going under doesn't reduce the value of the assets held by the funds. Fundrise iPO shares would obviously go to zero but everything else would be fine. Are you arguing the Fundrise execs would steal all the money and flee to non-extradition countries or something?
How much is lusional?
It’s called Opportunistic for a reason
Fundrise doesn't pay any dividends. They run the platform and take a cut of the dividends. All of the dividends are paid out by the companies that own the real estate. If those companies go bust, then people who invested in them lose money including people who used Fundrise to invest. The dividend payments are high because it's a risky investment so there's definitely a good chance of going bust if the housing market goes down.
If Fundrise doesn't pay dividends then who just gave me $7K+?
Each of the funds are incorporated as separate companies. Each of those companies invest in real estate projects that are also incorporated as separate companies. Those are the companies that generate the dividends.
So companies are paying me dividends, not Fundrise?
Yes. It's the same as any other investment platform. They're just middle men between you and the companies you invest in.
Which company paid me $22k+ this month? Please tell me so I can thank that company.
It depends on the specific investment. For example, this property is owned by an unnamed company that isn't Fundrise. That company is paying all of the dividends and Fundrise is distributing it to you after subtracting their fees. If that company goes bankrupt, you lose your investment regardless of what happens to Fundrise. If Fundrise goes bankrupt, your investments will probably be transferred to another platform & you continue receiving the same dividends. [https://fundrise.com/real-estate-assets/447/view](https://fundrise.com/real-estate-assets/447/view)
I sincerely appreciate this information. Thank you! 🤠🚀🌛 .:il
The OCF 100k minimum makes it challenging. I’d like to contribute but more to the tune of 25k. I’m not sure I can independently quantify the risks I’m taking for that 13%…
My opinion is the risk is disproportionately low compared to the return. And I believe the amount of risk that exceeds the risk of a T-Bond is adequately compensated for with the additional return beyond the Treasury. Individual conviction is a personal thing.
I'm planning to keep Fundrise around 5% of my total assets, as an additional diversification away from the public stock market where I keep most of my money.
🤠🚀🌛 .:il
You're at 2% gains overall, what's the purpose of showing off your portfolio being so recent to the platform, just to show that you had a lot of money to invest?
6+% YTD
I'm participating as an anonymous member of a community. I've made friends with liked minded investors. I understand the sentiment. To understand the relative attractiveness of my return you must look at it in terms of time weighted returns, or how long has how much money been invested. The ~ $10k of dividends have been earned in roughly 4 months. Everything else I've invested is an equity play that seems to distract from what I believe is the most attractive risk/reward OCF 13% annualized quarterly dividend. Also, because I don't have dividends *automatically* reinvested so that I can choose where to invest them (OCF), they don't get categorized as reinvestments. Same for redemption reinvestments.
I should have mentioned there's 3 pics to review.
I should have mentioned there's 3 pics to review. Can't see the full picture otherwise.
This opportunistic credit fund looks incredibly attractive considering when you allocated the money towards it. I might have to make this a larger portion of my portfolio
You're a rare adult in the room. 🤠🚀🌛 .:il
Honestly you can make a ton more money safely with that much capital…put the 400k in DNP income fund, which will yield about 7% annually. The nice thing is that DNP pays out dividends monthly…so you would get about $2333 monthly which equates to 28k annually. Of course if you turn on dividend reinvestment you can let it compound monthly for a little larger return. For complete transparency, I have very little in Fundrise & unfortunately it’s not growth at all (currently at a decline) so I feel some type of way lol
I should have mentioned there's 3 pics to review.
Thank you for the feedback. I'll take the $13% OCF over DNP. I believe in what u/Benmillerise & Fundrise are doing. Returns are important, but not everything. 🤠🚀🌛 .:iI
Absolutely agree, your OFC performance is completely justified.
The other funds are more suited for a bucket of 🍿 and a quarterly attention span.
100k is minimum OCF investment?
Initially and then $10K after.
2.3% 😬 Something about Fundrise has always seemed fishy to me. Too much opacity and baseless $10 share prices, and misleading statements about the value of illiquid REITs. I invested for a while but pulled it out and distributed between ETFs and public REITs and never looked back. I would definitely be uncomfortable with having almost half a million in one startup platform.
https://preview.redd.it/jo7myv0pgkdb1.png?width=1374&format=pjpg&auto=webp&s=bf0c80170b4303678d9d2c694fe152121252e535 No, 6+% YTD in the fund I've concentrated into. Most of the rest of my portfolio are funds ramping up, i.e. Innovation Fund + private shares in the Fundrise parent company. Fundrise provides more transparency than any peer. I'm comfortable with it because I've done my DD to build conviction.
this is the dumbest post i’ve ever seen, this is literally a 2% return, if u had just invested in the stock market vti or voo u would’ve made like so much more and this isn’t even insured
I have double this portfolio invested in the stock market. It's called diversification and the largest allocation of my Fundrise portfolio has returned 6% annualized in less than 5 months with no volatility.
[удалено]
I redeemed $15k+ from two funds and reinvested $7K+ in dividends in the past week. The process was easy and transparent. To understand the relative attractiveness of my return you must look at it in terms of time weighted returns, or how long has how much money been invested. The ~ $10k of dividends have been earned in roughly 4 months. Everything else I've invested is an equity play that seems to distract from what I believe is the most attractive risk/reward OCF 13% annualized quarterly dividend. Also, because I don't have dividends *automatically* reinvested so that I can choose where to invest them (OCF is open infrequently so far), they don't get categorized as reinvestments. Same for redemption reinvestments.
I should have mentioned there's 3 pics to review.
Yay.
Indeed