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- About Us

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• Glossary
• Información en Español
  
  - Introduction to Investing - Getting Started - Five Questions to Ask Before You Invest
• Understanding Fees
• Asset Allocation
• Assessing Your Risk Tolerance
• Investing on Your Own
• Working with an Investment Professional
• Researching Investments
  
  - Save and Invest
• Invest For Your Goals
• How Stock Markets Work
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  Breadcrumb
  
  1. Home.

2. Introduction to Investing.
3. Investment Products
   
   Main navigation
   
   - Save and Invest - Define Your Goals.

• Diversify Your Investments.
• Determine Your Finances.
• Gauge Your Risk Tolerance.
• Learn About Investment Options.
• Pay Off 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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• Kinds 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 investment trusts (" REITs") permit individuals to purchase large-scale, income-producing property. A REIT is a business that owns and typically runs income-producing property or associated assets. These might include office complex, going shopping malls, homes, hotels, resorts, self-storage facilities, warehouses, and mortgages or loans. Unlike other genuine estate companies, a REIT does not develop property residential or commercial properties to resell them. Instead, a REIT purchases and develops residential or commercial properties mainly to operate them as part of its own financial investment portfolio.
  
  Why would someone invest in REITs?
  
  REITs provide a way for individual financiers to earn a share of the earnings produced through business realty ownership - without actually needing to go out and purchase business realty.
  
  What types of REITs exist?
  
  Many REITs are signed up with the SEC and are openly traded on a stock market. These are known as publicly traded REITs. Others may be signed up with the SEC but are not openly traded. These are referred to as non- traded REITs (also called non-exchange traded REITs). This is one of the most crucial differences among the different sort of REITs. Before buying a REIT, you ought to understand whether or not it is publicly traded, and how this might affect the benefits and risks to you.
  
  What are the advantages and dangers of REITs?
  
  REITs provide a way to include genuine estate in one's investment portfolio. Additionally, some REITs may use greater dividend yields than some other investments.
  
  But there are some dangers, specifically with non-exchange traded REITs. Because they do not trade on a stock market, non-traded REITs involve unique threats:
  
  Lack of Liquidity: Non-traded REITs are illiquid investments. They typically can not be offered readily on the open market. If you require to sell a property to raise cash quickly, you might not be able to do so with shares of a non-traded REIT. Share Value Transparency: While the market cost of an openly traded REIT is easily available, it can be difficult to figure out the value of a share of a non-traded REIT. Non-traded REITs typically do not supply an estimate of their value per share up until 18 months after their offering closes. This may be years after you have actually made your financial investment. As a result, for a considerable period you may be unable to examine the worth of your non-traded REIT financial investment and its volatility. Distributions May Be Paid from Offering Proceeds and Borrowings: Investors may be brought in to non-traded REITs by their reasonably high dividend yields compared to those of openly traded REITs. Unlike openly traded REITs, however, non-traded REITs often pay circulations in excess of their funds from operations. To do so, they might utilize offering earnings and borrowings. This practice, which is usually not used by openly traded REITs, lowers the value of the shares and the cash readily available to the business to acquire additional possessions. Conflicts of Interest: Non-traded REITs typically have an external manager rather of their own employees. This can lead to possible disputes of interests with investors. For instance, the REIT may pay the external supervisor substantial costs based on the amount of residential or commercial property acquisitions and properties under management. These charge rewards might not necessarily line up with the interests of investors.
  
  How to purchase and sell REITs
  
  You can invest in an openly traded REIT, which is listed on a significant stock market, by acquiring shares through a broker. You can acquire 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 shared fund or REIT exchange-traded fund.
  
  Understanding charges and taxes
  
  Publicly traded REITs can be purchased through a broker. Generally, you can buy the typical stock, preferred stock, or debt security of an openly traded REIT. Brokerage charges will apply.
  
  Non-traded REITs are generally sold by a broker or financial adviser. Non-traded REITs usually have high up-front fees. Sales commissions and in advance offering costs generally amount to around 9 to 10 percent of the financial investment. These expenses lower the worth of the financial investment by a considerable quantity.
  
  Special Tax Considerations
  
  Most REITS pay a minimum of 100 percent of their gross income to their investors. The investors 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 typically are treated as common income and are not entitled to the minimized tax rates on other types of corporate dividends. Consider consulting your tax consultant before investing in REITs.
  
  Avoiding fraud
  
  Be cautious of anyone who attempts to sell REITs that are not signed up with the SEC.
  
  You can validate the registration of both openly traded and non-traded REITs through the SEC's EDGAR system. You can also use EDGAR to examine a REIT's annual and quarterly reports in addition to any offering prospectus. For more on how to utilize EDGAR, please go to Research Public Companies.
  
  You must also take a look at the broker or investment consultant who advises buying a REIT. To discover how to do so, please go to Working with Brokers and Investment Advisers.
  
  Additional information
  
  SEC Investor Bulletin: Real Estate Investment Trusts (REITs)
  
  FINRA Investor Alert: Public Non-Traded REITs - Perform a Careful Review Before Investing
  
  Featured Content
  
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